The debt settlement attorneys at the Law Offices of Castiglia Rubinstein and Associates can restore your peace of mind by resolving your creditor issues. Whether unexpected medical bills surprised your family or your diminished income has finally caught up with you, you may be caught in a stressful situation with your outstanding debt. Creditors harass you continually. And then there are the non-attorney, less than ethical “debt relief specialists” that may be courting your attention.
At the Law Offices of Castiglia Rubinstein and Associates we understand that you are seeking financial stability, and that you also want the knowledge, tools and resources to stay out of financial trouble going forward. The debt settlement attorneys at the law offices of Castiglia Rubinstein and Associates use proven, practical systems to help clients manage their debts and settle outstanding creditor matters.
When you “go it alone,” you could create unnecessary work or make errors that could complicate your situation. Our team can communicate with creditors and lenders and negotiate on your behalf. We can also assist you with defending lawsuits from creditors, if you need to defend yourself.
Speak with an experienced debt settlement attorney at our law firm today.
Loan Modifications * Short Sale * Foreclosure & Bankruptcy Defense
Foreclosure Defense * Chapter 7 Bankruptcy * Chapter 13 Bankruptcy * Loan Mod Tips
Stopping Creditor Harassment * Debt Negotiation * Bankruptcy Litigation
Finding Solutions that No One Else Considered for your situation.
Our attorneys are experienced in negotiating debts. We employ our creativity to find solutions to Florida debt settlement that other attorneys never considered. One example that might help totally eliminate a debt is where the debt is outside of the Statute of Limitations.
In New York, the law provides a limited time period for creditors to collect on a debt. If you have not made a payment on the debt in question in more than four or five years, the creditor may not be allowed to legally pursue the debt.
More importantly, if a creditor attempts to collect on a debt that is barred by the Statute of Limitations, they may have exposed themselves to liability. You may be able to seek damages, or money, from them based on their violations of the Fair Debt Collection Practices Act (FDCPA) or under similar New York Laws.
Is Bankruptcy Your Only Option?
Our New York debt settlement lawyers will explore all of your options. Our goal is to help you find a path to financial rehabilitation that meshes with your values, goals, and long-term interests. There are no cookie cutter solutions, but our attorneys will explain in clear, understandable language what choices you do have and what the implications of those choices will likely be.
We help with All New York Debt Settlement and Debt Relief Options
The lawyers at Castiglia Rubinstein and Associates can help with:
Filing for Chapter 7 bankruptcy
Filing for a Chapter 13 bankruptcy
Negotiating lump sum debt settlements
Negotiating structured payment plans for debts
Disputing and eliminating invalid debts
Cancelling and voiding debts that are old and outside of the Statute of Limitations
Defense against any creditor’s legal action
Loan modification or forbearance
Protecting your assets
Stop the insanity before your creditors garnish your pay or freeze your bank accounts. If you are facing your creditors harassing and stressing you daily, and you have overwhelming debt and deep financial concerns, the law offices of CASTIGLIA-RUBINSTEIN & Associates is there to help. Creditor harassment is usually in the form of repeat letters and calls, but sometimes collection agencies can take a more aggressive approach, posing as law enforcement or other excessive measures. This type of perpetual creditor harassment is often the final catalyst that motivates individuals to finally file a personal bankruptcy or explore other options like creditor debt negotiation. Our attorneys at the law offices of CASTIGLIA-RUBINSTEIN & Associates are not only trained in handling simple creditor and bankruptcy matters, we take care of complex creditor litigation and bankruptcy litigation in the event of a lawsuit or wage garnishment, and frozen bank accounts in Nassau County, Suffolk County, Queens County, Bronx, Westchester, Richmond County, Manhattan and Brooklyn Kings County New York.
The Law offices of Castiglia-Rubinstein & Associates can Stop Debt Collection of your Creditors
Call 1-800-960-1529 today.
When an individual files for bankruptcy, the court orders an automatic stay to stop all creditor harassment instantly. Banks, lenders and collection agencies, and any other creditors are forbidden to contact the individual any more. Any contact is considered harassment and the creditor risks legal action.
If your creditor harassment does persist, there are legal steps that we will take to ensure that those responsible are penalized. At the law offices of Castiglia-Rubinstein and Associates we understand the stress that is caused by creditors, and we work to end the harassment and work toward a solution. Our attorneys will help you understand which form of bankruptcy is best for your individual and family needs and situation. We can even help you rebuild your personal credit after your bankruptcy or creditor debt negotiation.
We work with both individuals and business owners; helping them resolve their financial difficulties. There are many solutions available other than just bankruptcy and creditor debt negotiation for individuals in financial trouble, and our debt solutions lawyers will help you find the solutions that are best for you. We assist individuals and business owner in conducting cram downs on their debt. The primary goal for the business client is to ensure that operations proceed as smoothly as possible during this time. Our attorneys understand your situation and we will create the proper strategy for individuals, families, and or your business.
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We are dedicated to your success so contact us. Speak with one of our knowledgeable Long Island creditor litigation defense attorneys today from wherever you are in New York in Nassau and Suffolk, Brooklyn, Kings and Queens Counties, on Long Island and all New York City boroughs.
Call 1-800-960-1529 today.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Get help with a creditor debt negotiation or bankruptcy plan now and be prepared before creditors freeze your bank account or garnish your pay.
You should know you have certain legal rights and must be very selective of the, lawyer or law firm that you chose to represent you.
Have an attorney council you on the right decision for you.