Practice Areas

Staten Island Bankruptcy Lawyer

I have guided hundreds of individuals and families out of financial distress by filing personal bankruptcy. With nearly forty years of experience, I can help you, too. To find out more about your debt relief options, contact the Law Offices of Charles R. Tropp for a free consultation.

Bankruptcy Practice Overview

My law office's main focus is consumer bankruptcy. I help clients who face the following related issues:

Foreclosure

If you are behind on your mortgage payments and your home lender is about to begin foreclosure proceedings, I can help. With a Chapter 13 bankruptcy, I can stop foreclosure. I will show you how you can establish an interest-free payment plan to pay back your mortgage arrears and reinstate your mortgage. Call me today to find out how.

Garnishment

Often, people forget that they have a debt--until part of their paycheck disappears. If a wage garnishment is crippling you and your family financially, I can help you restore your paycheck. Call me today to find out how.

Bank Account Freeze

As with garnishment, oftentimes people do not realize that they have a debt until their funds are frozen. Even if they owe nothing, people who share joint accounts can suffer as well. A Chapter 7 or Chapter 13 bankruptcy can unfreeze your bank account and give you less painful way to repay your debts. Call me today to find out how.

Medical Bills

If you are in financial distress because of unpaid medical bills which are not covered by insurance, you are not alone. Medical expenses are one of the chief reasons people declare bankruptcy in this country. A bankruptcy filing can discharge your unpaid medical bills. I can walk you through the process. Call me today to find out how.

Credit Card Debt

In today's economy it is easy to become overburdened with credit card debt. Slowly and inevitably, the minimum payments take more and more of your salary. Even a temporary job loss due to illness or a decline in accustomed overtime can leave you struggling to make ends meet. If you are drowning in credit card debt, I can throw you a lifeline. Call me today to find out how.

Car Repossession

Having your car suddenly disappear because you were late with your car payments can be a traumatic experience. To add insult to injury the car lender may sue you to recover the difference between what the car sold at auction and the balance you owe. This type of debt can be discharged in a Chapter 7 bankruptcy. If you file a Chapter 13, it may be possible to avoid repossession by reducing your car payments to fit your budget. Call me today to find out how.

Tax Arrears

You may owe taxes because not enough withholding was taken from your pay. Your tax return may have been audited because you inadvertently omitted income or you or your accountant made some other error. Whatever the reason, my law office has assisted many clients who owed back taxes. If the taxes are old they can often be discharged in a Chapter 7 case. Often a Chapter 13 filing may offer you a better installment payment option than the State or Federal government will give you. Call me today to find out how.

Creditor Harassment

If you are behind in your credit card payments you have experienced the annoying and repetitive calls from the bank. Once your account goes into collection, the collection agent can get down right abusive. If you have been receiving so many collection calls that you are afraid to pick up the phone, I offer you a way out. Call me today to find out how.

Business Debt

If you are self-employed, or the owner of a small business which is failing, you may become personally liable for business debts that you have guaranteed. If you are worried about what will happen if you are forced to close the doors or if you need to develop a business plan to repay your creditors, I can assist you and help you make the right decision.

Contact the Law Offices of Charles R. Tropp for a free consultation.