Roman & Associates, PLLC Attorneys at Law

Free Phone Consultation

(212) 228-4427

Bilingual Staff Hablamos Espanol

Roman & Associates, PLLC Attorneys at Law

Contact Us For A Free Consultation Today

Roman & Associates, PLLC, a New York & New Jersey law firm, provides trustworthy legal representation to clients dealing with bankruptcy, consumer debt lawsuit defense, real estate and personal injury matters. To schedule your free initial phone consultation, call (212) 228-4427 or contact us online today.

New York & New Jersey Law Firm Resolves Your Legal Issues

Attorneys Focused On Bankruptcy, Consumer Debt Lawsuit Defense, Real Estate And Personal Injury Matters

Roman & Associates, PLLC has been providing dependable, skilled, and trusted legal services to residents of New York and New Jersey since 2009. Our lawyers focus on bankruptcy, consumer debt lawsuit defense, real estate and personal injury matters, and have the experience to provide the valuable legal counsel our clients need.

Competent Lawyers and Strong Legal Advocates

If you are facing bankruptcy or a consumer debt lawsuit, have a real estate issue, or need advice regarding a personal injury accident case, it is important that you work with attorneys who can provide effective representation focused on results. Clients throughout New York and New Jersey choose Roman & Associates, PLLC because our firm offers:

Affordable rates — Our rates are reasonable, and we offer flexible payment options of up to 12 months, and accept payments via credit card, debit card and payment apps.

Flexibility — We offer clients the convenience of evening and weekend appointments.

Bilingual services — Our attorneys and staff are bilingual — Hablamos Español.

Whichever area of practice you need our help with, you can rely on our comprehensive approach to your legal challenge to address your matter. Read More

What Does It Mean To File Bankruptcy In New York & New Jersey?

Bankruptcy is a legal financial procedure that an individual, a married couple, or business can file for when they have, for whatever reason, become unable to pay their bills any longer. Bankruptcy can provide a fresh start for a person’s financial life. However, it is a legally complex procedure which should only be entered into with the expert guidance of a trustworthy bankruptcy attorney.

The current pandemic has been financially devastating for independent contractors, freelance workers, Lyft drivers, Uber drivers, NYC taxi drivers, restaurant workers and gig-economy workers. These valuable and important workers do not generally have access to the same types of benefits that traditional employees have.

Thankfully, the United States Constitution provides us all with the legal right to file bankruptcy to get a fresh start. This means that your bankruptcy case will be handled in federal court. Filing bankruptcy can immediately stop all of your creditors from continuing to attempt to collect the debts from you, and the halt to these collections activities will remain effective until all of your debts have been officially discharged by the bankruptcy court according to federal bankruptcy law.

Areas We Serve

Roman & Associates, PLLC is located in New York, NY and serves clients in and around Brooklyn, New York, Long Island City, Sunnyside, Maspeth, Astoria, Woodside, Middle Village, Ridgewood, Elmhurst, Jackson Heights, Rego Park, Staten Island, East Elmhurst, Jamaica, Bronx, Bronx County, Kings County, New York County, Queens County, Richmond County and New Jersey.

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What Do The Different Chapters Of Bankruptcy Mean?

There are four types of bankruptcy, which are referred to as Chapters. If you are a struggling Uber driver, Lyft driver, or NYC taxi driver, discuss all the possible bankruptcy options with your New York bankruptcy attorney before deciding on which Chapter applies to your current situation.

  • Chapter 7 Bankruptcy: Also called a liquidation bankruptcy. Although filing a Chapter 7 bankruptcy can result in the sale of a person’s assets to pay creditors, Roman & Associates, PLLC, is able to prevent the sale of any of your property, while simultaneously obtaining an order of discharge for your debt.
  • Chapter 11 Bankruptcy: Also known as a reorganization bankruptcy; mainly used for businesses.
  • Chapter 12 Bankruptcy: Reserved for only use by family farmers.
  • Chapter 13 Bankruptcy: Also referred to as a debt adjustment bankruptcy. A Chapter 13 bankruptcy requires you to file an official court approved payment plan, which you will use to repay your debts using your current income.

Most individual and joint bankruptcies, whether for a traditional employee or a freelance worker such as an Uber or Lyft driver, fall under either Chapter 7 or Chapter 13. However, do not attempt to skip the step of speaking to an experienced bankruptcy attorney before deciding which type of bankruptcy you should file in New York & New Jersey.

How is the COVID-19 pandemic disproportionately affecting the bankruptcy rates of gig economy & ride share app workers, like Uber, Lyft, and taxi drivers in New York City?

Freelance workers, or independent contractors, do not have access to employer-provided health insurance, life insurance, paid sick leave, workers’ compensation, or traditional unemployment insurance. The loss of income these workers are experiencing due to the current state of emergency will inevitably result in a wave of freelancers turning to bankruptcy in order to get a fresh start.

If you are an independent contractor, freelance worker, Lyft driver, Uber driver, NYC taxi driver, restaurant worker or gig-economy worker in need of a financial fresh start, call us today for a free bankruptcy consultation.

Contact Us For A Free Consultation Today

Office Locations

(Evening And Weekend Appointments Available)

New York Office

305 Broadway
Suite 720
New York, NY 10007

Phone: (212) 228-4427
Fax: (646) 349-3222
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New Jersey Office

(By Appointment Only)

5 Elm Row, Suite 104
News Brunswick, NJ 08901

Phone: (212) 228-4427
Fax: (646) 349-3222
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