NYC Bankruptcy Blog

October 22, 2014

Consumer Alert re: IRS Fraud

Recently, I had a distraught friend telephone me and say that the IRS called him demanding immediate payment on his taxes or the police would come to put him in jail. I did some investigating and discovered that recently, there have been scam artists who call people and pretend to be representatives from the IRS.  Victims […]
September 16, 2013

New York City Bankruptcy Attorney Charles Juntikka: Don’t Be Fooled By “Fake” Credit Scores

Lately, a lot of clients have asked me questions about credit scores.  There seems to be some confusion about credit scores.  I think this has been caused by the various TV Ads pushing “free” credit scores.  These TV Ads are put out by the credit report companies: Experian, Equifax and Trans Union.  They use their own credit […]
August 22, 2013

Does Bankruptcy Affect My Immigration Status?

Many clients are worried that filing for bankruptcy will affect their immigration status.  Bankruptcy does NOT affect immigration status. Every American has a right to file for bankruptcy.  That right is enshrined in the Constitution of the United States.  America is a country dedicated to giving people a “fresh start.”  A basic American value is our […]
August 7, 2013

Can Filing Bankruptcy Stop an Eviction in New York?

Many clients come to me with crushing credit card debt.  Unsurprisingly, many of these same financially struggling individuals are behind on paying their rents.  Many come to me with the landlord threatening to evict them from their homes.  They desperately want to know if bankruptcy can stop an eviction. The answer is yes – Bankruptcy can […]
July 19, 2013

Whitney Houston’s Cousin – Legendary Singer Dionne Warwick – Files for a Bankruptcy Fresh Start

When Famous People File for Bankruptcy & What it Means for All Financially Struggling Americans On March 20, 2013, legendary singer Dionne Warwick and cousin of Whitney Houston (singer of the hit song “Do You Know The Way To San Jose”) filed for Chapter 7 bankruptcy. When famous people like Ms. Warwick file for bankruptcy help, […]
June 14, 2013

Do I Have to Go to a Class to File for Bankruptcy in New York?

Clients often tell me that they heard from a friend that you have to go to a class before you file for bankruptcy. When people hear that they have to go to a “class” – they think that they are going to have to go to a school and listen to a teacher teach a course.  […]
May 29, 2013

Can I File Bankruptcy If I Can’t Remember Who I Owe Money To?

Believe it or not, it is not that easy to know exactly who you owe.  If you are late paying credit card debts, the banks sell and re-sell your debt many times.  You start to get letters from people you never heard of – people demanding money from you without even saying who originally “owned” the debt. […]
May 20, 2013

Sub-Prime Auto Loan Scams Drive People Into Filing Bankruptcy in New York City

Every week I file bankruptcy for someone who has little or no credit card debt.  These individuals are not being cornered by high interest credit card debt; they are being crushed by a debt of $10,000, $20,000 or more on a car loan – for a car they no longer even have.  This is a terrible […]
May 8, 2013

Will my spouse be affected if I file bankruptcy?

People are often worried that if they file for bankruptcy it will affect their spouse.  Whether this will happen depends on one key question:           Does your spouse also owe the debt?  Or, did your spouse co-sign for your debt? If the answer is no, there is no problem.  Your spouse does not have to pay […]
April 30, 2013

What is It Like to Go To Bankruptcy Court in New York?

Many of my bankruptcy clients have never been in any court before filing for bankruptcy.  Understandably, they are nervous about going to court.  Their idea of court is the classic view of a Judge with gray hair, in a black robe, sitting high behind a tall desk, with an American flag, with court officers on either […]