Personal Debt Relief Attorneys
Overwhelmed by debt? Our Bankruptcy Lawyers Can Serve You in New York, New Jersey, Florida and Pennsylvania.
Rising rent, medical bills, and credit card balances leave many households struggling to keep up. Even modest income disruptions can lead to missed payments, foreclosure threats, or escalating collection calls. For residents and business owners alike, bankruptcy offers a path to regain control and prevent financial strain from worsening.
Usher Law Group represents clients facing overwhelming debt across New York, New Jersey, Florida, and Pennsylvania. Our experienced attorneys handle Chapter 7 and Chapter 13 bankruptcy cases filed in federal and state courts, including the Eastern District of New York Bankruptcy Court in Downtown Brooklyn, Southern District of New York, Miami-Dade County, and New Jersey Municipal Courts. We also assist with creditor harassment, asset protection, and debt management strategies.
From Brooklyn to Miami, and throughout New Jersey and Pennsylvania, our team combines local insight with multi-state expertise to provide comprehensive support for individuals and businesses navigating financial challenges.
Call (718) 484-7510 today or reach out online to schedule a consultation and take the first step toward addressing your debt.
Bankruptcy as a Form of Debt Relief
Chapter 7 Bankruptcy Cases
For people carrying large amounts of unsecured debt—credit cards, personal loans, or medical bills—Chapter 7 bankruptcy can provide a way to discharge obligations and reset financially. Usher Law Group assists with determining eligibility, preparing required documents, and navigating the court process locally.
Chapter 13 Bankruptcy Cases
Chapter 13 bankruptcy allows individuals with steady income to reorganize debt into structured repayment plans. In Brooklyn, where homeownership often comes with steep mortgage payments, Chapter 13 can help clients prevent foreclosure while catching up on arrears. Our attorneys guide clients through filing, developing repayment schedules, and managing the process at the local court.
Want to learn more about Chapter 7 and Chapter 13? For a more detailed overview, visit our Bankruptcy Services page.
Protection Against Creditor Harassment
Aggressive collection calls and letters are common when you’re behind on payments. Our team is ready to provide legal guidance and takes action when creditors cross the line into unlawful collection practices.
If you’re experiencing:
- Frequent or repeated phone calls at inconvenient hours;
- Threatening, abusive, or harassing language from collectors;
- False or misleading statements about the amount you owe or legal consequences;
- Attempts to collect debts not owed or outside the statute of limitations;
- Contact from creditors after requesting no communication; or
- Unauthorized disclosure of your debt to third parties…
We can:
- Communicate directly with creditors to stop harassment;
- Send cease-and-desist letters to prevent further unlawful contact;
- Review collection practices for compliance with state and federal laws;
- Assist in filing complaints with regulatory agencies or the court;
- Negotiate repayment options or settlements that reduce stress and exposure; and
- Provide guidance on your rights under the Fair Debt Collection Practices Act (FDCPA) and state laws.
Debt Management & Asset Protection Guidance
Financial challenges look different for everyone. Renters may be dealing with rising housing costs, while business owners may be juggling commercial and personal debt. That is why Usher Law Group works with clients on a personal level to evaluate debt management options, explore bankruptcy alternatives, and protect assets under New York, New Jersey, Florida and Pennsylvania law.
Collections Litigation
Collections litigation involves disputes over unpaid debts, whether you are pursuing a claim or defending against one. We help clients navigate the legal process and explore options to resolve these matters efficiently.
Our approach includes:
Case evaluation and strategy development
- We review the validity of the debt and supporting documentation.
- We assess potential defenses or claims that may apply.
Negotiation and resolution
- We engage with creditors to reach fair settlements.
- We explore payment plans or alternative dispute resolution options.
Court representation
- Fighting for your rights in court, we aggressively litigate your case and assert your rights with unwavering tenacity.
This structured approach ensures that clients are informed, prepared, and supported at every stage of the collections process.
Consumer Rights Litigation
Consumer rights litigation protects individuals from unfair, deceptive, or unlawful practices by creditors, lenders, or collection agencies.
Services typically include:
Assessment of potential violations
- We identify predatory lending, illegal fees, or deceptive practices.
- We evaluate harassment or misrepresentation by collection agencies.
Negotiation and dispute resolution
- We work with opposing parties to resolve issues outside of court.
- We advocate for remedies that protect clients’ financial and legal rights.
Litigation support
- We file claims or defend against improper debt actions.
- We guide clients through court or administrative proceedings.
By addressing both the legal and practical aspects of these disputes, clients can protect their rights and work toward financial stability.
We Are Prepared to Help
Burdened by Debt? Get Legal Guidance Today!
Many residents face unique financial pressures, from high housing costs to competitive job markets, making local legal guidance especially valuable. Usher Law Group understands how debt issues intersect with high rent, property values, and employment realities across the borough.
By choosing our legal team, you benefit from:
- Our experience representing both plaintiffs and defendants – we understand creditor disputes from every angle and can guide you through negotiations or court proceedings.
- Multilingual support – our team provides legal guidance in English, Spanish, and Russian to ensure you fully understand your options.
- Pragmatic, actionable strategies under New York law – we focus on practical solutions, helping you protect assets, manage repayment plans, and navigate complex debt relief processes.
If you are facing creditor lawsuits, foreclosure, or mounting bills, our firm can help you explore bankruptcy and other personal debt relief options. We are here to help you make informed decisions about your finances.
Are you in need of personal debt relief legal services? Call (718) 484-7510 today to schedule a consultation via our online form.
Dependable, Results-Oriented Representation
Read Our Client Testimonials-
I highly recommend him for all of your legal needs.
“Michael is a very knowledgeable attorney that fights hard to get his clients the best results. I highly recommend him for all of your legal needs.”
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I love this firm!
“I love this firm! They handle my immigration matter so quickly and they treated me like family. Mr. usher is a wonderful lawyer. If you have any immigration problems you should go to Usher Law Group PC to get them fixed.”
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My family and I have used Mikhail Usher to handle multiple cases for us and always pleased with the outcome
“My family and I have used Mikhail Usher to handle multiple cases for us and always pleased with the outcome. We have used him for our immigration case, debt/ creditor issues, and a real estate closing. He was very pleasant to chat with at the consultation. Paralegals always answer the phone quickly and return call quickly as well.”
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I highly recommend Usher Law Group to everyone for any legal need or advice
“I highly recommend Usher Law Group to everyone for any legal need or advice. They are extremely knowledgeable, quick at filing your case and constantly follow up with you regarding any updates. I have personally used them for over a decade now for several areas including immigration, real estate and civil litigation. What sets them apart is their lead attorney, Mike is relentless in pursuing the most satisfactory resolution for your case no matter the obstacles or circumstances.”
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What more can i ask for?
“Best lawyer I have ever had the privilege of hiring. He know what he is doing, takes pride in his work and has very reasonable prices. What more can i ask for?”