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Bankruptcy Facts

At the Law Offices of Edward Papa, Esq. in Newburgh, NY, we know how important it is to hire an attorney who is experienced with the process to advise you of the best course of action for you in order to eliminate unsecured debt, and prevent foreclosure. We are dedicated to saving you time and money because we know that every debt consolidation and forgiveness case is different.

We provide you with a free consultation to determine whether bankruptcy is the best course of action for your situation. We examine all avenues in order to present you with other possible options in handling your financial problems.

Our highly-knowledgeable team is here to educate you on factors that may affect the satisfactory outcome of filing bankruptcy, such as the forfeiture of tax refunds, and major debts that cannot be released.

We also prepare you with information about how liens on property, incorrect value estimates, and other pitfalls of which you should be aware. Our team gives you the knowledge and facts you need to make sound decisions to your best benefit, by explaining in simple, easy-to-understand language.

Our attorneys take the time to make sure you understand the advantages and disadvantages of bankruptcy in your unique case.
Before deciding to file for bankruptcy, you must understand the pros and cons of filing.

Types of Debts

Bankruptcy does not apply to all debts. We advise you as to whether bankruptcy is the best option for your circumstances. Factors such as secured and unsecured debt, student loans, taxes, child support, and alimony are important to understand in making the decision to file for bankruptcy.
Determining if bankruptcy is the right option for you depends on the type of debt you are carrying – secured and unsecured. Bankruptcy typically serves to discharge most unsecured debts – not secured debts. We explain the difference in clear language in order to help you begin the decision-making process.

Debts Remedied by Bankruptcy

Bankruptcy won’t get rid of all debts, but can remedy many financial obligations such as credit cards, utility bills, and wage garnishments. Other debts, including car loans, and mortgages must be satisfied through Chapter 13 bankruptcy.

Debts Not Remedied by Bankruptcy

There are debts that cannot be discharged through bankruptcy, such as child support, alimony, student loans, and taxes.


Representation starts at $649, plus filing fees, and costs for filing of Chapter 7 or 13. 

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The services or benefits which we offer our clients are with respect to bankruptcy relief under Title 11 of the United States Code and the assistance which we provide may involve bankruptcy relief under that Title.

Contact us for a complimentary consultation about bankruptcy today at 845-787-3954.