Services - Experienced, Professional, Long Island Bankruptcy Lawyer

The Law Offices of Adam C. Gomerman is proud to be considered a federally designated debt relief agency assisting our clients in filing for consumer bankruptcy under the federal bankruptcy laws. Our experience in bankruptcy law is extensive; we have filed thousands of bankruptcy cases. We are friendly, knowledgeable and affordable and offer easy payment plans.

Our Services Include The Following:

The Law Offices of Adam C. Gomerman
807 E Jericho Turnpike, Huntington Station, NY 11746
Phone: 631-549-1111, 631-BANKRUPT • Fax: 631-759-2925• E-mail: agomerman@optonline.net
Business Hours: Monday to Friday 9 a.m. - 5 p.m., Wednesday 9 a.m. - 8 p.m.

CHAPTER 7- WIPE OUT YOUR DEBTS TO GET A FRESH START

Chapter 7 bankruptcy is a process provided for under United States federal law which allows you to obtain a "fresh start".

Chapter 7 can eliminate most kinds of unsecured debt. Some examples of unsecured debts are credit cards; medical bills; most personal loans; judgments as a result of automobile accidents; and money due as a result of a repossessed or surrendered vehicle.

In a Chapter 7 case, in addition to wiping out your debt, you typically can keep all of your property. As long as your car and mortgage payments are current, and there is no significant equity in your property, you should be able to eliminate your debt and keep everything that you own. The goal of a successful Chapter 7 bankruptcy is to allow you to keep all of your belongings and wipe out the majority, if not all, of your debt.

You may also keep a credit card or two and not have your bankruptcy apply to those debts. This is called "reaffirmation" because you are reaffirming that you will pay back the debt.

Most clients keep at least one credit card and/or a debit card linked to a bank account.

A Chapter 7 can be prepared within a few days and can usually be concluded quickly and painlessly.

Chapter 7 and 13 Bankruptcy
Foreclosure Defense
Expert Loan Modifications

Save Your Car and Home
Stop Wage Garnishments
Get a New Start

Do not forget to ask our office about immediate actions that you can take after your bankruptcy to begin re-establishing your good credit quickly. Our office has a dedicated and experienced "credit repair" department and can assist you with all issues dealing with your credit history.

We have filed thousands of Chapter 7 cases over the years and can answer all of your questions at any time.

Please give us a call for a free confidential consultation. We would like to assist you in any way possible. You may reach us at (631)BANKRUPT or (631)549-1111.

Why should you contact our office to wipe out your debts?

We have a great deal of experience and have filed thousands of Chapter 7 bankruptcy cases. We are friendly, knowledgeable and affordable and have easy payment plans. We genuinely care about helping you with your situation and will help you succeed every step of the way. In addition, we do not believe that the client should have to fill out long questionnaires. We do virtually all of the work for you! Just follow our simple instructions and you will be successful.

Please give us a call for a free confidential consultation. We would like to assist you in any way possible. You may reach us at (631)BANKRUPT or (631)549-1111

CHAPTER 13 - SAVING YOUR HOME FROM FORECLOSURE

If your home is about to go into foreclosure, or you are in foreclosure, a Chapter 13 is what can be used to save your home.
A Chapter 13 is a bankruptcy that lasts from 3 years (36 months) to 5 years (60 months). During that time, you pay your regular mortgage and car payments in addition to a monthly payment to the Bankruptcy Trustee assigned to your case.
The check to the Bankruptcy Trustee includes a small amount of money which goes toward catching up on your mortgage arrears, tax arrears and car payment arrears, if any. In addition, a portion will be applied to your unsecured debt (typically credit cards, personal loans and medical bills).
This is done by filing a "Plan" with the Court which shows the Court how long it will take for you to catch up, and how much money you will be paying to the Bankruptcy Trustee each month.
The mortgage company is forbidden by the Court from taking your home, or taking any legal action against you during this time. In fact, they can't even write to you or call you on the phone!
Once you have caught up, your bankruptcy ends and you go back to paying your mortgage as you did prior to falling behind. The mortage company cannot discriminate against you or take any action against you for having filed for Chapter 13.
In a Chapter 13, you keep all of your assets! You will not loose anything as long as you keep up with your Chapter 13 plan payments, current monthly mortgage payments, and automobile payments (if any).

Why should you contact our office to save your home?

We have a great deal of experience and have helped thousands of people in your situation. We are friendly, knowledgeable and affordable and have easy payment plans. We genuinely care about helping you with your situation and will help you succeed every step of the way. In addition, we do not believe that the client should have to fill out long questionnaires. We do virtually all of the work for you! Just follow our simple instructions and you will be successful.

Please give us a call for a free confidential consultation. We would like to assist you in any way possible.

You may reach us at (631)BANKRUPT or (631)549-1111 or simply fill out the information below.