Our Services

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Experienced Bankruptcy Lawyers

Are bill collectors making your life miserable? Is that mountain of credit card debt driving you crazy? Are you trying to stop foreclosure or keep your car from being repossessed? Is the business you have worked so hard to build about to be swallowed by creditors?

If you need the peace of mind that only long-term debt relief can provide, you have come to the right place. Since 1991, the White Plains, NY-based personal and business bankruptcy lawyers at Penachio Malara, LLP have been helping people just like you to resolve financial problems and get on with life.

There Is a Solution

1. Chapter 7 bankruptcy can excuse unsecured debt like medical bills and credit card balances, giving you a fresh start. Whether the problems are due to job loss, illness, divorce or loss of a spouse, that pile of debt can be completely discharged by the courts.

2. Chapter 13 bankruptcy business bankruptcy lawyers can stop foreclosure, wage garnishment and repossession. You can continue to work, provide for your family, pay your bills and keep your assets. The courts can work out a 3-5 year plan for debt repayment consisting of one manageable monthly payment. An “automatic stay” protects you from further harassment by bill collectors and puts a stop to lawsuits and collection actions against you.

3. Chapter 11, or business bankruptcy, offers New York business owners debt relief through options ranging from total liquidation to a manageable debt reorganization plan.

4. Loan modification agreements with lenders can provide payment extensions, balance reductions, reduce monthly mortgage payments by decreasing interest rates, extend the term of a mortgage, switch interest rates from variable to fixed, and waive accrued interest and penalty charges. A long-term working relationship with many New York lenders permits Penachio Malara, LLP, personal and business bankruptcy lawyers to negotiate an attractive loan modification agreement that can stop bankruptcy.

We’re Here To Help

Stop living in fear by calling the bankruptcy lawyers at Penachio Malara, LLP, today for a free consultation. Whether you’re considering personal bankruptcy, loan modification, business bankruptcy or trying to stop foreclosure, we’ll help you sort out your options. Together, we’ll find the solution that’s right for you. Contact us for a free consultation.

Local Areas We Serve

We are business bankruptcy lawyers serving Westchester County, New York, NY White Plains, Scarsdale, Rye, Mamaroneck, New Rochelle, Mt Vernon, Bronxville, Hartsdale, Dobbs Ferry, Irvington, Elmsford, Tarrytown, Hawthorne, Mt Kisco, Bedford, Pound Ridge.