New York & New Jersey Law Firm
Attorneys Focused on Bankruptcy, Credit Card & Loan Debt Lawsuit Defense, Real Estate & Personal Injury Matters
Roman & Associates has been providing dependable, skilled, and trusted legal services to residents of New York and New Jersey since 2009. Our lawyers focus on bankruptcy, consumer debt lawsuit defense, real estate, and personal injury matters and have the experience to provide the valuable legal counsel our clients need.
Get Your Fresh Start Today
What Does It Mean to File Bankruptcy in New York & New Jersey?
Bankruptcy is a legal process that provides individuals, married couples, and businesses, protection from their creditors. There are a number of reasons why a person or business may elect to file for bankruptcy protection from their creditors. Some include: reduction of income, loss of job, death, illness, divorce, recession, inflation & the pandemic.
The pandemic has been particularly financially devastating for small businesses, individuals that lost their job, independent contractors, freelance workers, Lyft drivers, Uber drivers, NYC taxi drivers, restaurant workers, and gig / app-based workers.
Thankfully, bankruptcy can provide a financial fresh start.
The United States Constitution provides for the legal right to file bankruptcy to get a fresh start. Filing bankruptcy can immediately stop all collection activities by your creditors, which is also known as a "Bankruptcy Stay". The Bankruptcy Stay will remain in effect until all your debts have been officially discharged by the bankruptcy court.
While the bankruptcy process is legally complex, our highly experienced attorneys can successfully represent you throughout the entire process.
We're Here to Help
Types of Cases We Handle
Bankruptcy
Debt Lawsuit Defense
Personal Injury
Real Estate
What Do the Different Chapters of Bankruptcy Mean?
There are four types of bankruptcy, which are referred to as Chapters.
If you are in need of a financial reset, feel free to contact us to discuss your bankruptcy options & which of the following bankruptcy chapters works best for your current situation:
Also called a liquidation bankruptcy; although filing a Chapter 7 bankruptcy can result in the sale of a person’s assets to pay creditors, Roman & Associates may be able to prevent the sale of your property while simultaneously obtaining an order of discharge for your debt.
Also known as a reorganization bankruptcy; mainly used for businesses.
Reserved only for use by family farmers.
Also referred to as a debt adjustment bankruptcy, a Chapter 13 bankruptcy requires you to file an official court-approved payment plan, which you will use to repay your debts using your current income.
Most individual and business bankruptcies fall under either Chapter 7 or Chapter 13. Give us a call to speak to an experienced attorney to determine which bankruptcy chapter would be best for you.
How Bankruptcy Can Help Freelance Workers, Independent Contractors & Gig / App-Based Workers Get a Fresh Start
Freelance workers and independent contractors often lack access to employer-provided benefits such as health insurance, life insurance, paid sick leave, workers’ compensation, and traditional unemployment insurance. As a result, a sudden loss of income can make it difficult to recover financially—sometimes requiring a fresh start.
If you are an independent contractor, freelance worker, Lyft driver, Uber driver, NYC taxi driver, restaurant worker, or gig / app-based worker in need of a financial reset, contact us today for a free bankruptcy consultation.
Contact Us Today
Call us at (212) 323-7448 or submit an online form today to get in touch with our team and begin exploring your legal options. Hablamos español.
Competent Lawyers & Strong Legal Advocates
If you are facing bankruptcy or a consumer debt lawsuit, have a real estate issue, or need advice regarding a personal injury accident case, it is important that you work with attorneys who can provide effective representation focused on results.
Clients throughout New York and New Jersey choose Roman & Associates because our firm offers:
Affordable Rates
Our rates are reasonable, and we offer flexible payment options of up to 12 months. We accept payments via credit card, debit card, and payment apps.
Flexibility
We offer clients the convenience of evening and weekend appointments.
Bilingual services
Our attorneys and staff are bilingual — hablamos español.
No matter which legal area you need our help with, you can rely on our comprehensive legal approach to address your matter.
To schedule a free consultation, send us a message or call (212) 323-7448 today.
Licensed to Practice in New York & New Jersey for over 20 years
Accessible Evenings & Weekends
Flexible Payment Plans & Payment Options
Over $50 Million+ in Discharged and Settled Debt
Schedule Your Free Consultation
Feel free to contact our firm today online or by phone at (212) 323-7448.
Contact Us for a Free Consultation Today
Locations in New York and New Jersey
