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Helping you Take Back Control of YOUR Finances


Serving Businesses & Individuals in Ossining, 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? Our Top Rated Bankruptcy firm in Ossining, Westchester County, New York, is here to help. Contact us at (914) 600-7161 for a free consultation. Let's determine whether bankruptcy is right for you.
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Chapter 7 Bankruptcy


Chapter 7 is known as the “liquidation bankruptcy’’ because it discharges most of your unsecured debt. That includes credit card debt, medical bills, and personal loans. If you're located in Ossining, or anywhere throughout the Hudson Valley or New York, we can help.

Chapter 13 Bankruptcy

Are you looking for a way to manage or reduce your debt as efficiently as possible?  Chapter 13 of the United States Bankruptcy Code provides a legal solution for those who do not qualify for Chapter 7 or who have sizable assets they wish to retain. If you earn a steady income or want to protect valuable assets, this type of bankruptcy plan may be right for you.

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Chapter 11 Bankruptcy


Chapter 11 bankruptcy is a debt reorganization process that is most often used by businesses that want to continue doing business and repay its debts at the same time. In addition, it benefits individuals who don’t qualify for other chapters or need certain protections Chapter 11 offers. Overall, Chapter 11 is more expensive and complex than other types of bankruptcy, but it can offer significant advantages if you qualify.

The Small Business Reorganization Act

Effective in February of 2020, the Small Business Reorganization Act (the “SBRA”) was created by Congress to provide small business owners with a more streamlined version of Chapter 11 bankruptcy. We work with businesses located in Ossining, New York and throughout the counties of Westchester, Rockland, Putnam, Dutchess and beyond.

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Foreclosure Defense

Have you been served a notice that your home or business will be subject to foreclosure proceedings in or around White Plains? For most people, their biggest investment is their home and/or business. Losing your home can be a devastating blow that can take years to overcome, especially because of the negative impact that a foreclosure will have on your credit score.

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.


Business & Personal Bankruptcy Options

in Ossining, 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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