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Looking for a bankruptcy lawyer in St James? Review the directory below to compare your options.
3 attorneys listed
Updated May 2026
St James, NY
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Showing 3 bankruptcy lawyers in St James, NY
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Residents of St James, New York facing overwhelming debt can seek relief through bankruptcy. New York law allows you to keep certain assets through exemptions, such as a homestead exemption of up to $179,975 under CPLR 5206. A local bankruptcy lawyer can help you navigate these rules and determine if Chapter 7 or Chapter 13 is right for your situation.
What Does a Bankruptcy Lawyer in St James Cost?
In New York, bankruptcy lawyer fees typically range from $1,200 to $3,500 for a Chapter 7 case and from $3,000 to $6,000 for a Chapter 13 case. Court filing fees are separate: $338 for Chapter 7 and $313 for Chapter 13. Costs vary based on case complexity and attorney experience. This is general information, not legal advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by attorney and case complexity. This is not legal advice — consult directly with an attorney for fee specifics.
Frequently Asked Questions
What is the difference between Chapter 7 and Chapter 13 bankruptcy in St James?
Chapter 7 bankruptcy liquidates non-exempt assets to pay creditors and typically discharges most debts within 3 to 6 months. Chapter 13 bankruptcy involves a 3 to 5 year repayment plan based on your income. A lawyer can help you decide which option fits your financial goals.
How long does bankruptcy stay on my credit report in New York?
A Chapter 7 bankruptcy remains on your credit report for 10 years from the filing date. A Chapter 13 bankruptcy stays for 7 years. However, you can begin rebuilding your credit immediately after discharge.
Do I have to take a credit counseling course before filing in New York?
Yes, New York requires you to complete a credit counseling course from an approved agency within 180 days before filing. You must also complete a debtor education course after filing to receive your discharge.
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Attorneys listed on BeforeAttorney.com are compiled from publicly available directories, state bar records, and business listings. Inclusion does not constitute endorsement. We do not verify attorney licensing, disciplinary status, or qualifications. Verify each attorney's current standing with the State Bar of New York.