David S. Ostrow, ESQ., P.A.

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Bankruptcy Information What is Bankruptcy? Which type of Bankruptcy is right for me? What are the Consequences of Bankruptcy? Judges no longer determine a reasonable living standard for individuals filing. The new law imposes a national standard for all debtors. The new bankruptcy laws virtually eliminate ?cram down?. Today, most Debtors filing under Chapter 13 must repay the full balance due on secured claims to retain collateral. Potential Chapter 7 and Chapter 13 filers must complete a credit counseling program approved by the United States Trustee's Office. Your case can be dismissed for failure to produce documents requested by the Trustee within a certain period of time. New Law? No Problem! We continue to provide expert advice and representation despite the drastic changes to the Bankruptcy Code. Call us today for a free consultation.