Facing bankruptcy is difficult and overwhelming. However, a bankruptcy doesn’t necessarily mean that an individual is fiscally irresponsible. In fact, the most common reasons people decide to pursue bankruptcy proceedings are debt incurred because of unexpected medical bills, accidents, divorce, and long term unemployment. If you’re facing the prospect of bankruptcy in the New York or Long Island area, you will want to seek advice from a bankruptcy lawyer Long Island or a NY bankruptcy lawyer.

First of all, it is important to note that there are several different kinds of bankruptcy. Chapter 13 bankruptcy involves a repayment plan to repay your creditors, sometimes in full and sometimes in part, depending on what you can afford, while in a Chapter bankruptcy the debtor is discharge from his debt. Though, there are several types of debt that cannot be erased by bankruptcy: student loan debt, debts incurred because of a criminal action, and child support or alimony. A Long Island bankruptcy lawyer can help you figure out which kind of bankruptcy is most appropriate for your specific situation.

If you’re facing Long island foreclosures due to your bankruptcy you will particularly want to contact a foreclosure lawyer Long Island or short sale attorney New York. This type of real estate attorney Long Island, also known as a short sale attorney New York, can help you if you’re facing foreclosure. Overall, if you’re facing bankruptcy make sure you are getting legal advice from a bankruptcy attorney and a short sale attorney new york. A bankruptcy attorney and a s short sale attorney New York can help you to navigate through this difficult, stressful, and overwhelming process. Read more blogs like this.