Get A Fresh Start

Bankruptcy is fraught with many misconceptions about both the process and the outcome. The process exists to create a fresh start for individuals.

The Law Office of Rick S. Cowle P.C. assists New York and Connecticut residents with filing Chapter 7, Chapter 13 and Chapter 11 bankruptcy. While all types of bankruptcy can freeze foreclosure, remove liens and eliminate debt, there are differences.

Chapter 7 Bankruptcy: Getting A Fresh Start

Chapter 7 bankruptcy is a financial "do-over" for people facing significant debt. Those who qualify for this discharge obtain a clean slate without losing their house, car or other assets.

Rather than destroying credit, Chapter 7 is the first step in rebuilding it. In fact, many see improvement in their credit scores after one year. We will work efficiently to take the stress of a heavy debt load off your shoulders. We believe that filing for bankruptcy is not about failure, but rather the first step toward a brighter future.

Chapter 13 Bankruptcy: Getting You Back On Track

Chapter 13 bankruptcy is designed for a variety of situations. If an individual makes too much money or there are too many assets to qualify for Chapter 7, a repayment plan can help.

In many situations, Chapter 13 can rid consumers of second mortgages. Mortgage debt can also be modified through a special program in bankruptcy court so the debtor can get back on track with mortgage payments.

Additional Information

Contact a bankruptcy lawyer at The Law Office of Rick S. Cowle P.C. in Carmel to schedule a free initial consultation. Contact us by calling 845-225-3026 or sending us an email.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Directions to Bankruptcy Courts