Chapter 13 Bankruptcy Lawyer in New York

An Excellent Way to Protect Your Home

Would you like to get rid of your second mortgage or equity line of credit and still keep your home? Many people don’t realize that bankruptcy can help them save their homes. As the New York bankruptcy attorney at Law Office of Christopher Graham, I can help you understand and pursue your options for relief.

• Filing Chapter 13 bankruptcy could protect you if you are facing any of these scenarios:
• Your home is being threatened with foreclosure.
• Your home is in foreclosure.
• You’re backed up on your mortgage payments and may need to modify the terms.
• You need more time—up to five years—to pay off mortgage arrears.

Eliminate a Second Mortgage Lien in Chapter 13 Bankruptcy

Advising my clients to file Chapter 13, I have helped homeowners remove second mortgage liens, home equity liens, and HELOCS from the titles of their properties while still keeping their homes free and clear of these types of liens. It’s a bit like winning a housing lottery. Do you qualify for this unique opportunity?

My firm can help you learn more. Call the office at (646) 216-8240!

Using Chapter 13 to Resolve Tax Debt

Chapter 13 bankruptcy can offer a path to resolving tax debt to the IRS or New York State when other options — such as an offer-in-compromise or installment agreement — aren’t available or haven’t worked. Depending on the type and age of the tax debt, Chapter 13 may allow it to be discharged, reduced, or repaid over time as part of a manageable plan, alongside your other debts.

Stopping Foreclosure Through Bankruptcy

Filing for bankruptcy triggers an automatic stay, which immediately halts most foreclosure proceedings. Chapter 13 can then give you a structured way to catch up on missed mortgage payments over time, while keeping your home. This is often the most direct way to stop foreclosure — not as a standalone legal defense, but as part of a broader bankruptcy strategy.

Stopping Eviction and Repaying Rent Arrears Through Bankruptcy

Like a mortgage foreclosure, an eviction case is typically halted by the automatic stay the moment a bankruptcy is filed. Chapter 13 then allows past-due rent to be repaid over time, on terms that are often far more manageable than what a landlord or housing court would otherwise require — giving tenants a structured way to catch up and stay in their home.

Filing Bankruptcy a Second Time

Finally, Chapter 13 is also an option when you have filed a Chapter 7 bankruptcy within the last eight years, but still find that you need protection from debt collectors due to newly acquired debt. While you will be ineligible to apply for Chapter 7 again within this time frame, you are most likely eligible to apply for protection under Chapter 13 of the United States Bankruptcy Code. My experience and knowledge as a New York bankruptcy lawyer can help you explore the best option for you.

Schedule a Free Consultation: Call a New York Bankruptcy Attorney

Get in touch with me at The Law Office of Christopher Graham for a free consultation regarding your debt relief options. My experienced team and I are here to help solve your debt problems.

Free, no-obligation case evaluations are available! Call the New York office today at (646) 216-8240.