Helping you Take Back Control of YOUR Finances
Serving Businesses & Individuals throughout New York
Are you currently in over your head regarding debt? Whether you are a consumer or a business owner, unmanageable debt is one of the most stressful situations anyone can experience. It damages not just your credit score but also your emotional and physical health due to the anxiety, sleepless nights, and negative impact on your personal, social, and work relationships. Aside from worrying about how you will make ends meet, debt overload can lead to creditor harassment, wage garnishment, foreclosure, lawsuits, and other adverse actions.
Your Path to Financial Freedom Begins Here
Too deep in debt to see a way out? Contact us at (914) 600-7161 for a free consultation. I can help you determine whether bankruptcy is right for you.
My firm provides knowledgeable and skilled legal representation for:
Chapter 7 Bankruptcy
For both individuals and business owners who want to discharge most or all your debt
Chapter 11 Bankruptcy
For businesses to restructure and reduce debt while they remain in operation (including small businesses through Subchapter V)
Chapter 13 Bankruptcy
For individuals who do not qualify for a Chapter 7 and can pay some or most of their debt in a 3-5-year repayment plan
I can also defend you against some of the worst consequences of debt: foreclosure and creditor harassment. You may have more rights than you realize, and my job is to help you protect what matters most and hold creditors or lenders accountable for their unlawful actions.
Primary Areas of Practice
Experienced Attorney helping Individuals and Small Businesses file for bankruptcy protection. Bankruptcy Attorney serving Clients in the Bronx, Brooklyn, Manhattan Queens, Long Island, Westchester, Rockland and Orange Counties.
The Small Business Reorganization Act
The Small Business Reorganization Act (SBRA) took effect in February 2020 to help small businesses manage debt more efficiently. It provides a simpler, faster alternative to traditional Chapter 11 bankruptcy, making it easier for small businesses to restructure without overwhelming legal costs or complicated court proceedings.
Foreclosure Defense
Have you received notice that your home or business is facing foreclosure?? For most people, their home or business is their most substantial investment.
Losing it can be devastating, not just financially, but emotionally as well. A foreclosure can damage your credit score for years, making it harder to recover.
Business & Personal Bankruptcy Options in New York
Creditors may be calling you every day or sending you threatening letters. You may find yourself facing a lawsuit filed by a creditor seeking wage garnishment or repossession. All of this may be occurring while you struggle to find ways to pay your credit card and other unsecured debt.
The Law Office of James J. Rufo will give you the help you need so that you may obtain a fresh financial start that you need and deserve. My firm has concentrated its practice exclusively on helping individuals and small businesses tackle and overcome debt overload. My goal is for you to get a fresh start and move forward into a brighter future, and bankruptcy may by the path that leads you to this future.