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Benefits of Bankruptcy


Immediately Stop Bank Garnishments, Foreclosure, and other Debt Collection Cases

In most cases, filing for bankruptcy requires mortgage companies, credit card companies, and other debt collectors to immediately stop any pending lawsuit or other debt collection activities. The relevant provision of the Bankruptcy Code that stops these actions is found in Section 362(a) of the Bankruptcy Code, which imposes an immediate automatic stay of most collection actions.

Generally the Following Debts Can Be Discharged in Bankruptcy

  • Credit card debts
  • Medical debts
  • Unsecured lines of credit
  • Most other unsecured debts
  • Personal liability on home loans

Mortgage Modification Review

In most cases in the SDNY and the EDNY, you can request loss mitigation in the bankruptcy court with respect to mortgages secured by your primary residence. The bankruptcy court loss mitigation program provides borrowers with the opportunity to apply for a mortgage modification on mortgages secured by the primary residence. There is no guarantee that a loan modification will be approved but the loss mitigation program provides an avenue to have a loan modification application reviewed.

Propose A Repayment Plan

Debtor's in Chapter 11 and Chapter 13 can propose a repayment plan, in which Debts can be repaid through a bankruptcy plan over time.


This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.


*The above prices do not constitute an offer, prices may vary depending on the complexity of the case. Attorney reserves the right to decline any case and attorney requires a signed agreement prior to representation*
*The above does not constitute an offer, Attorney reserves the right to decline any case and Attorney requires a signed agreement prior to representation.

Bankruptcy and foreclosure defense

Foreclosure Defense


Don't let the bank steal your home, hire an experienced attorney to fight back against  the bank.

Eliminate Credit Card Debt


Sued by a debt collector? Unable to keep up with your debt? Let me assist you in finding a solution to your debt problems.

Experienced Bankruptcy Attorney


Whether you are looking to save your home, your business, or eliminate debt. Let me assist you in navigating the complexities of the bankruptcy code.

Contact Attorney

Contact me today for a free 30 minute consultation

Law Office of Charles A. Higgs

399 Knollwood Rd., White Plains, NY

(917) 673-3768




Meetings are by appointment only

Contact Attorney

Law Office of Charles A. Higgs

115 E. 23rd Street, 3rd FL, New York, NY 10010

(917) 673-3768




Meetings by appointment only

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