Aleksander Nowak
Associate
Aleksander represents individuals and small businesses in Chapter 7 and Chapter 13 filings in the Eastern District of New York, and negotiates with creditors where a filing can be avoided.
Practice Area
Bankruptcy & Debt Relief in Woodside, NY
Bankruptcy is a tool, not a verdict on anybody's character. Used at the right moment it stops the garnishment, ends the calls and lets a household start again.
Most people who come to us have waited far too long, drained a retirement account they were entitled to keep, and paid unsecured creditors money that would have been discharged. The earlier the conversation happens, the more we can protect.
Aleksander Nowak handles Chapter 7 and Chapter 13 filings in the Eastern District of New York. We will also tell you plainly when bankruptcy is not the answer — sometimes negotiation, or simply being judgment-proof, is the better course.
Free initial consultation.
Thirty minutes with the attorney who would handle the matter — not an intake screener. Call 000-000-000 or send us the details through the contact form.
How we help
Bankruptcy & Debt Relief services
Chapter 7
Liquidation bankruptcy discharging unsecured debt for individuals who pass the means test.
Chapter 13
Reorganization over three to five years — the route that can cure a mortgage arrears and save a house.
Small business bankruptcy
Subchapter V reorganization and orderly wind-down for small companies.
Foreclosure defense
Answering the foreclosure, settlement conferences and loan modification applications.
Debt negotiation
Negotiated settlements with credit card issuers and collection agencies without a filing.
Stopping garnishment
The automatic stay, exemption claims and vacating income executions.
When to call us
Situations we handle every week
- Your wages are being garnished or your bank account has been restrained.
- You are behind on the mortgage and a foreclosure has been filed.
- You are using credit cards to pay other credit cards.
- You are being sued by a collection agency.
- You are considering cashing out a 401(k) to pay unsecured debt — call first.
If you are not sure whether your situation belongs on that list, call anyway. Telling you that you do not need a lawyer is free, and we would rather do that than take a matter that should not exist.
Attorneys in this practice
Questions
Bankruptcy & Debt Relief — frequently asked
Will I lose my house if I file bankruptcy?
Usually not. New York's homestead exemption protects a substantial amount of equity in a primary residence, and Chapter 13 exists specifically to let a homeowner cure mortgage arrears over time while keeping the house. Whether your equity is fully protected is one of the first things we calculate.
Does bankruptcy stop wage garnishment?
Yes, and immediately. Filing triggers the automatic stay, which halts garnishments, bank restraints, collection calls and most lawsuits the moment the petition is filed. Child support obligations are the notable exception.
How long does bankruptcy stay on my credit report?
A Chapter 7 remains for ten years and a Chapter 13 for seven, from the filing date. In practice many people see their scores begin recovering within a year or two of discharge, because the discharged balances stop reporting as delinquent.
Speak with a bankruptcy & debt relief attorney
Tell us what is going on. The first consultation is free, it is with the attorney who would handle your matter, and there is no obligation afterwards.