The information provided herein is strictly to inform the public about NY bankruptcy law and how it is specifically applied in the State of New York. The information may or may not be applicable, in whole or in part, to any other state. There is no attorney-client relationship established direct or indirect, explicit or implied by presenting this information. Additionally, this information is not meant for someone to base a decision to file or not to file a bankruptcy or to use this information as legal basis for a pro se (on your own) filing. To the contrary, it is meant to provide you with enough information to be knowledgeable about this field if you are researching the field or are about to engage a bankruptcy attorney. Under no circumstances should the information be relied upon as legal advice or as a legal answer to your specific personal situation.
IT IS STRONGLY ADVISED THAT YOU SEEK THE ADVICE OF COMPETENT LEGAL COUNSEL BEFORE YOU FILE BANKRUPTCY AND THE INFORMATION CONTAINED HEREIN IS CLEARLY NOT LEGAL ADVICE NOR A SUBSTITUTE FOR AN EXPERIENCED ATTORNEY IN THE FIELD.