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Get The Fresh Financial Start
That You Need & DESERVE.

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.

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Asked Questions


Areas of Practice



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.

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