Fresh Start Law
About UsContact Us

Representing Individuals and Businesses since 1980

Nathan Horowitz, Esq


Two convenient offices:

White Plains
1 Barker Avenue, Suite 301,
White Plains, New York 10601
(914) 684-0551

1875 Route 6
Carmel, New York




We provide Debt Relief through Bankruptcy. The United States Constitution guarantees a fresh start. We are a debt relief agency, as defined by the U.S. Congress. We proudly assist people filing for bankruptcy relief under the Bankruptcy Code.

To receive an initial opinion as to your options, Click here for a one page asset / liability form.

We will help you:

  • Keep your Home and Car
  • Get Freedom from Harassing Telephone Calls
  • Protect Wages and Bank Accounts

The immediate benefit of any bankruptcy is the automatic stay (injunction) which comes into effect immediately upon the filing of the petition. With very few exceptions, all creditors, including governmental agencies, such as tax agencies, are stopped from proceeding against you at the moment the bankruptcy is filed. Even if an asset has been seized already, it may be possible to get it back.

Types of Bankruptcy:

Chapter 7
This Chapter provides a complete fresh start.  Your personal obligation to pay debts is discharged and you get what the law simply calls a fresh start.  This directly relieves you of unsecured debts. These include regular credit card debts, medical bills, old utility bills, personal loans; In short, any debt not secured and not subject to special rules.  There are a few exceptions, for debts which are non-dischargeable.  more details

Chapter 13
Based on the circumstances, an individual may opt to file a Chapter 13 proceeding. The main reasons are:

  • A house, condo or co-op in foreclosure
  • To save a non-exempt asset from being sold in a Chapter 7
  • To pay part or all of a debt which would be non-dischargeable in a Chapter 7

In exchange for stopping a foreclosure proceeding, or protecting a non-exempt asset, we would propose a plan under which you would pay a portion of your unsecured debts over time. The maximum plan is 5 years. Similar to a debt consolidation you make one payment to the Court appointed trustee and he then distributes the money to all creditors.  Many people pay as little as five percent of their unsecured debts in their plan. Some people are required to pay 100%. more details

Chapter 11
In general, Chapter 11 is for businesses to pay part of their debts and remain in business. Payment plan is proposed and approved by the Court.  Individuals are eligible to file Chapter 11, however, only file if they face special circumstances. Chapter 11 is quite complicated, is labor intensive, and therefore very expensive.  If an individual requires a payment plan type of bankruptcy, Chapter 13 is the usual alternative. more details

We Also provide lawyer services for Real Estate

The purchasing of Homes, Condos, Co-Ops

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