A Chapter 7 bankruptcy lawyer in New York City helps individuals eliminate most unsecured debts — credit cards, medical bills, personal loans — through liquidation bankruptcy. The process typically takes 3–4 months and provides a complete fresh start. An experienced New York City Chapter 7 attorney will determine if you qualify through the means test, maximize your exemptions to protect assets, and guide you through the entire process.
Chapter 7 lawyers typically charge flat fees ranging from $1,000 to $3,500. Court filing fee: $338. Credit counseling courses: ~$30–$50. Many attorneys offer payment plans. Total out-of-pocket: typically $1,500–$4,000.
Typical fee structure: Flat fee: $1,000 – $3,500
Average settlement/outcome: N/A (debt discharge)
Cases in New York City are typically heard in the following courts. Your attorney will advise on the correct venue for your case.
60 Centre St, New York, NY 10007 · 📞 (646) 386-3600 · Mon–Fri 9am–5pm
500 Pearl St, New York, NY 10007 · 📞 (212) 805-0136 · Mon–Fri 8:30am–5pm
Flat fees range from $1,000 to $3,500 plus a $338 court filing fee. Total out-of-pocket is typically $1,500–$4,000.
Most unsecured debts: credit cards, medical bills, personal loans, utility bills, and some older tax debts. It does not eliminate student loans, child support, or recent taxes.
Most filers keep their home and car through exemptions. If you're current on payments and equity is within exemption limits, your property is protected.
From filing to discharge: typically 3–4 months. The automatic stay stops collections immediately upon filing.
You must pass the means test — if your household income is below your state's median, you likely qualify. An attorney can analyze your specific situation.
You can start rebuilding immediately with secured credit cards and responsible credit use. Many people see significant credit improvement within 12–18 months.
We connect clients throughout New York City with top-rated chapter 7 bankruptcy lawyers, including Manhattan, Brooklyn, Queens, The Bronx, Staten Island, Harlem, and surrounding communities.
Serving ZIP codes: 10001 · 10002 · 10003 · 10004 · 10007 · 10014 · 10019 · 10036 · 11201 · 11215 · 11355 · 10451