How Do I Get Debt Free In New York or New Jersey?

By: Robert J. Nahoum

A man in suit and tie with his arms crossed.



Like so many others Americans, the debts have piled up faster than your ability to pay.  As you fall further behind, penalties and higher interest rates making catching impossible.  Whether you lost your job, had you shifts cut back, suffered an injury or just can’t make due, it doesn’t matter what got you here – you need a way out from under.  The good news is that bankruptcy may be the solution you need to live debt free with a fresh financial start.


Chapter 7 bankruptcy is a legal process under which a person whose bills and debts are greater than his or her income is able to eliminate the obligation to pay his or her debts.

In a Chapter 7 bankruptcy, the debtor files a petition asking that the bankruptcy court wipe out (discharge is the technical term) his or her debts.

Bankruptcy makes it possible to:

  • Eliminate the legal obligation to pay most or all of your debts.
  • Stop almost all creditors from taking any steps against you except through the bankruptcy process.
  • Immediately stop foreclosures, tax sales, repossessions, utility shut-offs, lawsuits, and other creditor actions.
  • Catch up on missed payments on home mortgages, property taxes, auto loans and other debts secured by property you wish to keep.
  • Stop debt collection harassment, wage garnishment, and similar creditor actions to collect a debt.


If your bills and debts have become more than you can handle, you may be eligible to eliminate your debts through a chapter 7 bankruptcy.  If you have questions or concerns about how to live debt free through bankruptcy in New York or New Jersey, we urge you to contact The Law Offices of Robert J. Nahoum, P.C. today by calling 845-232-0202.

This Law Offices of Robert J. Nahoum, P.C. is a Debt Relief Agency. We assist individuals in New York and New Jersey to become debt free through Bankruptcy.

The Law Offices of Robert J. Nahoum, P.C
(845) 232-0202

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