Are you drowning in debt? Or trying to stop your personal items from being repossessed? Since 1993, Penachio Malara, LLP has been serving residents of Westchester County, the boroughs of New York City and the state of Connecticut with legal advice for a wide variety of issues including bankruptcy, business, real estate and litigation. Lawyers Ann Penachio and Francis J. Malara are dedicated to providing reliable counsel and personalized service to each and every client.

While we help clients with a range of legal concerns, our specialties include Chapter 7 Bankruptcy, Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, stop foreclosure, debt collection relief, loan modifications and short sales, wage garnishments and commercial litigation. Our experienced lawyers are dedicated to finding solutions to make your life manageable including closure for your real estate transaction, peace of mind for debt relief, and mortgage foreclosure.

When you file a bankruptcy petition in any chapter, an instant trigger stops all different kinds of collection actions including phone calls from bill collectors, law suits, wage garnishments and foreclosure actions. Take a look at some of the bankruptcy services Penachio Malara can provide for you.

Chapter 7 – Penachio Malara can help protect you and your family when you have an unmanageable financial situation. Whether the problems are due to job loss, illness, divorce or loss of a spouse, we’ll represent you against your creditors in the court.

Chapter 11 – Chapter 11 bankruptcy, also known as business reorganization bankruptcy, offers a win-win solution forPenachio Malara both you and your creditors. Creditors recover a larger percentage of debt than would be possible with liquidation, while you are able to repay a larger percentage of debt and remain open for business. Penachio Malara can help you navigate the debt reorganization process and develop a restructuring plan.

Chapter 13 – Whether you’re dealing with the possible loss of your home or car, Penachio Malara can help with Chapter 13. Chapter 13 bankruptcy was designed to allow debtors with a regular source of income to retain assets like a home, boat or automobile while gaining extra time to pay off creditors. It’s most often used to prevent mortgage foreclosure.

The attorneys at Penachio Malara, LLP have 25 years of experience practicing law and can provide you with a solution to make your life manageable again. No matter the problem, the bankruptcy attorneys Ann Penachio and Francis J. Malara are here to help! To schedule a free consultation, contact our office at (914) 946-2889.


White Plains, Yonkers, Rye, Harrison, Mamaroneck, Larchmont, New Rochelle, Pelham, Mt Vernon, Bronxville, Eastchester, Hartsdale, Hastings on Hudson, Dobbs Ferry, Irvington, Elmsford, Tarrytown, Hawthorne, Armonk, Bedford, Chappaqua, Mt Kisco, Brewster, Pound Ridge, Yorktown New York

We are a Debt Relief Agency. We Help People file for Bankruptcy under the Bankruptcy Code.


The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

© Penachio Malara, LLP · Powered By PS Digital