Manhattan Chapter 7 Bankruptcy Lawyer
Overwhelmed by credit cards, medical bills, or personal loans in New York City? See if a Chapter 7 bankruptcy can help you get a fresh start.
At ManhattanChapter7.com, operated by the Law Firm of Howard Williams, you can talk directly with a Manhattan Chapter 7 bankruptcy lawyer about wiping out unsecured debt and stopping collection pressure. If you live or work in Manhattan or the surrounding NYC boroughs, we’re here to help you understand your options under New York and federal bankruptcy law.
What Is Chapter 7 Bankruptcy in New York?
Chapter 7 bankruptcy is a legal process that can wipe out many types of unsecured debt, including:
Credit card balances
Personal loans and lines of credit
Medical bills
Old utility and collection accounts
Certain judgments
When you file a Chapter 7 bankruptcy in New York, the court issues an automatic stay that can temporarily stop most collection lawsuits, wage garnishments, and bank levies while your case is pending.
Chapter 7 does not eliminate all debts (for example, most student loans, recent taxes, and support obligations are treated differently), and it may have consequences for your property and credit. That’s why it’s important to get guidance from an experienced chapter 7 bankruptcy lawyer in Manhattan who understands New York exemptions and local court practice.
Not sure if Chapter 7 is right for you?
Do I Qualify for Chapter 7 Bankruptcy in New York?
Eligibility for a Chapter 7 bankruptcy in New York depends on your income, household size, expenses, and the type of debt you have. The law uses a “means test” to compare your income to New York median income and to see what you can reasonably afford to pay your creditors.
Our quick online tool helps you answer the question “Do I qualify for Chapter 7 in New York?” without trying to do the math yourself.
With our 60‑second eligibility check, you’ll share:
Where you live or work (Manhattan, Brooklyn, Queens, Bronx, Staten Island, or nearby)
Your approximate monthly income and household size
Your estimated total unsecured debt
Any lawsuits, wage garnishments, or bank account freezes you’re facing
You’ll get a clear indication of whether Chapter 7 may be an option and an invitation to speak with a New York Chapter 7 bankruptcy attorney at the Law Firm of Howard Williams for a free case evaluation.
How Much Does a Chapter 7 Bankruptcy Cost in New York City?
A common question we hear is “How much does Chapter 7 cost in New York?” The total cost of a Chapter 7 bankruptcy has two main parts:
Court filing fee: The federal bankruptcy court charges a filing fee for Chapter 7 cases.
Attorney’s fees: What you pay a Chapter 7 bankruptcy lawyer in Manhattan to prepare your case, advise you, file your petition, and guide you through each step.
The exact fee depends on the complexity of your case, the types of debt involved, and how urgent your situation is. At the Law Firm of Howard Williams, we explain all fees in advance and discuss payment options so there are no surprises.
Why Work With a Manhattan Chapter 7 Bankruptcy Attorney?
When you’re searching for a bankruptcy lawyer in Manhattan or a chapter 7 lawyer in NYC, you want more than just a list of names. You want someone who:
Focuses on consumer Chapter 7 bankruptcy
Understands how the process works in Manhattan and the surrounding NYC boroughs
Talks to you like a person, not a case number
At ManhattanChapter7.com, your case is handled by the Law Firm of Howard Williams, a New York law firm dedicated to helping individuals and families find realistic debt relief options.
Local New York experience
We handle Chapter 7 cases in the New York City area and are familiar with local court procedures and trustees.Clear explanations
We take the time to explain how Chapter 7 bankruptcy in New York works, what it can do for you, and what it cannot change.Transparent fees
You’ll know the expected cost of your case before you decide to move forward.Serving Manhattan and all of NYC
From Manhattan to Brooklyn, Queens, the Bronx, Staten Island, and nearby counties, our bankruptcy attorney in New York, NY can review your situation remotely or in person.
What Happens to Your Apartment, Car, and Wages in a Chapter 7 Bankruptcy?
If you’re thinking about filing Chapter 7 bankruptcy in New York, you may be worried about:
Losing your apartment or home
Losing your car or transportation
Having your wages garnished or your bank account frozen
New York law provides exemptions that can protect certain property up to specific limits, but every case is different. A chapter 7 bankruptcy attorney in Manhattan can review your income, assets, and debts to help you understand what property is likely to be protected and what risks you may face.
We’ll also explain how Chapter 7 can be used to try to stop or prevent wage garnishment, collection lawsuits, and bank levies in New York, and what timing issues may affect your decision.
Get answers to your questions in a free consultation with a New York bankruptcy lawyer.
Serving Manhattan and Surrounding New York City Areas
Although our primary focus is Manhattan Chapter 7 bankruptcy cases, the Law Firm of Howard Williams works with clients throughout New York City, including:
Manhattan (Midtown, Downtown, Upper East Side, Upper West Side, Harlem, and more)
Brooklyn
Queens
The Bronx
Staten Island
If you’re searching for a chapter 7 bankruptcy lawyer in Manhattan, a chapter 7 bankruptcy attorney in NYC, or a bankruptcy lawyer in New York, NY, ManhattanChapter7.com is designed to give you clear, local information and an easy way to connect with an attorney.
Live in NYC and drowning in debt?
Frequently Asked Questions About Chapter 7 Bankruptcy in New York
How do I file Chapter 7 bankruptcy in New York?
Filing Chapter 7 bankruptcy in New York involves completing detailed paperwork about your income, expenses, assets, and debts; taking required credit counseling; and filing your petition with the appropriate bankruptcy court. A chapter 7 bankruptcy lawyer in Manhattan can guide you through each step, help you gather documents, and represent you at the required meeting with the trustee.
How long does a Chapter 7 bankruptcy take in NYC?
Most Chapter 7 bankruptcy cases in New York take around four to six months from filing to discharge, although timelines can vary. Your case may take longer if there are complicated assets, lawsuits, or challenges. A New York bankruptcy attorney can give you a better estimate after reviewing your situation.
Will I lose everything if I file Chapter 7 in New York?
No. Many people keep most or all of their property in a Chapter 7 bankruptcy because of New York exemption laws, which protect certain amounts of equity in a home, a vehicle, and personal property. A Manhattan Chapter 7 bankruptcy lawyer will review what you own and explain what appears protected, what may be at risk, and whether Chapter 7 is the right solution for you.
Is talking to a bankruptcy lawyer in Manhattan confidential?
Yes. Your conversation with an attorney at the Law Firm of Howard Williams is confidential. You can discuss your debts, income, assets, and concerns openly so we can help you evaluate whether Chapter 7 bankruptcy in New York makes sense for your situation.
Take the First Step Toward a Fresh Start
If you’re dealing with constant collection calls, lawsuits, wage garnishment, or simply can’t keep up with your minimum payments, it may be time to talk with a Manhattan Chapter 7 bankruptcy lawyer about your options.
You don’t have to guess about whether you qualify or what might happen next. Take a few minutes to share your situation with a New York bankruptcy attorney and get straightforward answers.
ManhattanChapter7.com is operated by the Law Firm of Howard Williams, a New York law firm. Attorney Advertising. This website is for informational purposes only and does not constitute legal advice. Viewing this site or contacting us does not create an attorney‑client relationship. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Quick Links
Contact Us
Legal
© lawofficesofhowardwilliams 2026 All Rights Reserved.