The Law Office of Richard S. Feinsilver
A New York Bankruptcy Attorney

A middle class lifestyle is not supposed to include struggling to make ends meet or being overburdened with debt.

In today's economy, more and more families struggle to meet their day-to-day financial needs. This has placed an enormous strain on the middle class lifestyle of many Americans. In addition, we all know that life sometimes throws us curves that we never could have imagined. The bankruptcy laws have been designed to help people address their financial difficulties in an honest, straightforward manner.

Our clients come from all walks of life. Many were living the American dream, with a beautiful house and a steady job. They could never have predicted the financial instability that required them to seek guidance from a bankruptcy lawyer. Over the past 20 years, we have represented thousands of individuals who considered themselves financially secure, but nonetheless found themselves struggling to pay their bills at the end of each and every month.

If you are experiencing financial difficulties, you do not have to work through them alone. New York Bankruptcy Lawyer  Richard S. Feinsilver can help. As a New York Bankruptcy attorney, based in Nassau County, our practice concentrates in the areas of consumer and business bankruptcy law, including foreclosure defense and the filing of Chapter 7 bankruptcy, Chapter 13 bankruptcy and Chapter 11 bankruptcy cases. Richard S Feinsilver can assist you to determine if filing for bankruptcy is the right financial alternative for your situation.

Even if you are gainfully employed and you believe that you have everything under control, the following are some telltale signs that you may not be in the right place financially...

• There is too much month left at the end of your money, and each month you need to purchase necessities with a credit card.
• You are afraid to answer your telephone, even if you have Caller ID, or you dread opening your mail each day.
• You are at the maximum limits on your credit cards, and can barely make the minimum payments each month.
• You are borrowing from one credit card to make your minimum payments on other cards.
• You are borrowing from your retirement benefits to make payments on your credit cards.
• You are living paycheck to paycheck or with the fear that if either you or your spouse lost your job, you will be in financial hot water.
• You have applied for a debt consolidation loan, and have been turned down.
• You have signed up with a debt consolidation company, and cannot make the required minimum monthly payment.
• You are constantly fighting with your spouse over money matters.
• Your bills are weighing on your mind to the point where you are constantly anxious, and it is now affecting your ability to sleep soundly or to perform your function day-to-day tasks normally.

If you answered yes to any of the above items, and you are reading this you should be applauded. You are here because you wish to take a positive step to regain control of your financial situation and plan for the future. You have acknowledged that a problem exists and you are taking action to address it.

New York bankruptcy lawyer  Richard S. Feinsilver can help you stop adverse creditor actions. With few exceptions, immediately upon the filing of a Chapter 7 bankruptcy , Chapter 13 bankruptcy or Chapter 11 bankruptcy petition, your creditors are prohibited from taking any further action against you; even if your bank account has been frozen and your salary has been attached.

Don't let creditors take away the life you have worked so hard to create. Contact The Law Office of bankruptcy attorney Richard S. Feinsilver. By taking timely advantage of the U.S. Bankruptcy Laws, you can take control of your finances and save your home, savings, automobiles and personal belongings.