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Posts by Michelle Labayen

Yes, You Can Get Credit After Your NY Bankruptcy

If you’re afraid to file bankruptcy, you’re not alone. Most of the people we talk to say they’re scared they’ll never be able to get credit again. And they say it because they’re aware that it’s very difficult to function without credit in our society. Fortunately, we don’t have to hesitate when we say that…

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Is There New Hope for Student Borrowers in NYC?

Student loans have been a sticky problem for borrowers for a long time. And even though the Law Offices of Michelle Labayan have been helping people with their loans for some time, our abilities to help you get your loan discharged through bankruptcy have always been limited. In the past, it was all about proving…

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Why You Should Not File Your NYC Bankruptcy Pro Se

One of the biggest fears clients in NYC have about filing for bankruptcy is the cost of the bankruptcy lawyer. It’s easy to see why a lot of people are tempted by Internet sites that try to make it seem like filing is as easy as printing out a form. But hiring a bankruptcy lawyer…

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8 Myths About Bankruptcy in NYC

Bankruptcy is probably one of the three most common legal procedures an NYC resident will ever go through. The other two are divorce, and estate matters. It’s also one of the most misunderstood legal proceedings. Myths abound, and those myths can get people into a lot of trouble. The way you handle your finances before…

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7 Great Questions to Ask During Your Free Consultation

This isn’t a post about choosing the right bankruptcy lawyer. But here in New York City, most bankruptcy firms do offer some manner of free consultation. It’s a chance to review your case. It’s also a chance for you and the lawyer to find out if you’ll be comfortable working together. But if you don’t…

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Priority? What Does It Mean for Bankruptcy in NYC?

Throughout the proceedings for bankruptcy in NYC, you’ll hear lawyers and trustees refer to priority claims and taxes. It is apparent from these conversations and occasionally debates, that the determination of priority versus non-priority is important for the court and creditors. In fact, the trustee taking your case could spend substantial time reviewing your finances…

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How Do You Pay for Your New York Bankruptcy?

Are you considering New York bankruptcy, but uncertain how you can pay for court fees and a New York bankruptcy lawyer? At the Law Offices of Michelle Labayen, we understandably receive a lot of questions about payment plans, court costs, and general expenses related to filing for Chapter 7 or Chapter 13 bankruptcy. So many…

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Where to Begin When Filing Chapter 7 Bankruptcy in New York?

You don’t simply wake up one morning and file for Chapter 7 bankruptcy – at least, you shouldn’t. First, there are explicit requirements in place by the federal bankruptcy laws that must be met before you are permitted to file under Chapter 7 of the Bankruptcy Act. Second, bankruptcy isn’t the best course of action…

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5 Signs You Should Be Thinking About Filing for Bankruptcy

Bankruptcy isn’t the right choice for everyone. Often, credit card debt and medical bills are temporary debts that will be repaid and forgotten in a matter of months. These debts might be stressful, but they aren’t overwhelming. In these cases, filing for bankruptcy isn’t necessary or appropriate to solve your financial circumstances. Yet, there are…

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How Can NYC Bankruptcy Lead to a Stronger Financial Future?

Most conversations about NYC bankruptcy occur in a negative context. It’s complicated and requires a debtor to follow strenuous procedures. Filing for NYC bankruptcy has repercussions for your credit score and borrowing capabilities. Bankruptcy can even feel like a financial failure. Yet, an NYC bankruptcy lawyer also sees the opportunity that comes after the bankruptcy…

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