Chapter 7 & 13 Bankruptcy Lawyers in Garden City, NY
Consumer Bankruptcy for Clients in Nassau & New York Counties
At Snider Law PLLC, we guide individuals, families, and business owners through the complex bankruptcy process. Our firm provides strategic, personalized counsel for both Chapter 7 and Chapter 13 filings, helping clients pursue a fresh financial start with clarity, confidence, and compassion. We understand the legal and emotional weight of these decisions and work closely with you to identify the path best suited to your needs and long-term goals.
For guidance, discuss your financial situation with a Garden City Chapter 7 and 13 bankruptcy attorney at Snider Law PLLC. Call (646) 904-4497 or reach us online. We offer our services in Spanish and Portuguese.
Real Clients. Real Stories. Real Results.
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“Highly Recommend!”
“John is thorough, trustworthy, straight to the point, and your number one advocate.”- Satisfied Client -
“Above and Beyond!”
“John was a pleasure to work with - knowledgeable and quick to answer all my questions.”- Jessica P. -
“Responsive & Knowledgeable”
“He kept us on track through our whole home buying experience and answered ALL of my inquiries.”- Victoria M. -
“Highly Recommend”
“Mr. Snider is highly in tune with residential real estate laws and procedures.”- Chris H. -
“Stress-Free Experience”
“Working with John was an absolute pleasure. He is reliable, trustworthy, and truly puts his clients first.”- Christian C. -
“Amazing Experience”
“John negotiated my deal with professionalism, while keeping my best interests in mind at all times.”- Jeeva S.
Chapter 7 Bankruptcy: A Clean Slate Through Liquidation
Chapter 7 bankruptcy, or liquidation bankruptcy, is designed for individuals or small business owners with limited income who cannot repay unsecured debts such as credit card balances, personal loans, or medical bills. It is typically the fastest form of bankruptcy and often results in a complete discharge of qualifying debts within a few months.
To qualify for Chapter 7, you must pass the “means test,” which compares your income to the median in your area. If eligible, non-exempt assets, if any, may be sold by a court-appointed trustee to repay creditors. However, many clients keep most or all of their holdings through New York’s generous exemption laws.
Chapter 7 is a powerful solution for clients overwhelmed by unsecured debt with little or no disposable income. Upon filing, it halts collection efforts, wage garnishments, and lawsuits immediately. At Snider Law PLLC, we assess your full financial picture and explain the implications so you can confidently move forward.
Chapter 13 Bankruptcy: A Structured Path to Debt Relief
Chapter 13 bankruptcy allows individuals with a regular income to reorganize debt into a manageable repayment plan, typically lasting three to five years. This option is ideal for clients who do not qualify for Chapter 7, are behind on mortgage or car payments, or wish to protect valuable assets from foreclosure or repossession.
Unlike Chapter 7, Chapter 13 does not require the sale of assets. Instead, you propose a court-approved repayment plan based on your income, expenses, and debts. Once the plan is completed, remaining eligible debts may be discharged.
Chapter 13 can stop foreclosures and repossessions and allow time to catch up on missed payments while maintaining property ownership. It is often the best choice for those with home equity, those who earn too much to qualify for Chapter 7, or who are trying to manage tax debts, student loans, or domestic support obligations.
We work closely with you to design a realistic and sustainable repayment plan that meets court requirements while aligning with your long-term financial recovery. Our tech-enabled platform makes document sharing and communication efficient and secure.
