New York and New Jersey bankruptcy law firm specializing in Chapter 7, 13, and 11 personal and business bankruptcies, plus civil litigation and judgment enforcement.
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Starr & Starr, PLLC is a boutique law firm based in Manhattan that provides bankruptcy, civil litigation, commercial debt collection, and judgment enforcement services. The firm serves individuals, businesses, entrepreneurs, and both domestic and international companies across New York and New Jersey. Founded on the principle of helping clients achieve financial fresh starts, the firm has developed deep experience context in navigating complex bankruptcy codes and restructuring financial affairs for various client profiles.
The firm offers comprehensive bankruptcy services across multiple chapters. For individuals, they handle Chapter 7 personal bankruptcy (debt discharge), Chapter 13 personal bankruptcy (repayment plans over 3-5 years), and Chapter 11 personal bankruptcy (unlimited debt restructuring without time limits). They also represent business entities in Chapter 7 liquidations and Chapter 11 reorganizations. Beyond bankruptcy filing, Starr & Starr provides civil litigation services, commercial debt collection for creditors, and judgment enforcement. The firm explicitly markets ability to stop wage garnishments, foreclosures, lawsuits, and debt collector harassment through bankruptcy proceedings.
The firm distinguishes itself through board certification in business bankruptcy law and stated experience context in serving high-net-worth individuals and entrepreneurs. They offer post-discharge credit rebuilding strategies at no additional charge as part of comprehensive representation. The firm's Chapter 13 experience context focuses on practical outcomes: saving homes from foreclosure through cure plans, resolving past-due rent disputes, and negotiating tax debt problems that traditional creditor arrangements cannot enforce. The firm positions Chapter 13 bankruptcy as more binding and effective than debt-settlement arrangements, which creditors may reject.
While the website content is professionally presented and service offerings are clearly articulated, potential clients should note that bankruptcy is a complex legal process with long-term credit implications. The firm's emphasis on aggressive debt discharge and creditor-binding solutions is appropriate for their target market, but bankruptcy should be considered only after exploring alternative options. The website provides clear contact information and emphasizes free initial consultations, which is standard practice in bankruptcy law.
This is state-level context for Bankruptcy Services consumers in New York, NY. It does not confirm that Starr & Starr, PLLC or this specific location is licensed.
State regulator
New York Department of Financial Services
Consumer protection
Relevant law: New York Credit Services Business Act (N.Y. Gen. Bus. Law Article 28-BB, §§ 458-a through 458-k)
Registration: Required with New York Department of Financial Services
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Starr & Starr, PLLC offers 12 services including Chapter 7 personal bankruptcy (debt discharge for credit cards, medical bills, tax debts, past-due rent), Chapter 13 personal bankruptcy (3-5 year repayment plans for foreclosure prevention and debt cure), Chapter 11 personal bankruptcy (unlimited debt restructuring for high-net-worth clients), Chapter 7 business bankruptcy (liquidation and asset sale for businesses ceasing operations), Chapter 11 business bankruptcy (corporate debt restructuring and reorganization), and 7 more.
Starr & Starr, PLLC has profile signals associated with Individuals facing foreclosure who want to save their primary residence through a structured repayment plan, High-net-worth individuals and entrepreneurs with complex debt structures who need Chapter 11 restructuring without time or debt limits, Small business owners in liquidation needing Chapter 7 representation and asset liquidation guidance, People experiencing wage garnishment, lawsuits, or collector harassment seeking immediate legal intervention.
Key strengths: Board certified in business bankruptcy law, offering listed experience context rather than general practice; Comprehensive representation from pre-bankruptcy case preparation through post-discharge credit rebuilding strategies at no additional cost; Handles Chapter 11 personal bankruptcy for high-net-worth individuals and entrepreneurs with no debt limits or time restrictions. Areas to consider: Website does not provide attorney names, credentials, years of experience, or client testimonials to verify legitimacy and track record; No pricing information disclosed; bankruptcy cases vary significantly in cost and complexity, leaving clients unable to budget.
In the Bankruptcy Services category, comparable providers include Compassionate Counsel, Oswalt Law Group, The Law Office of David C. Meltzer, PLLC. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Starr & Starr is profile signals for individuals and businesses seeking aggressive bankruptcy protection and debt elimination or restructuring through federal bankruptcy code, particularly those facing foreclosure, wage garnishment, or complex high-net-worth financial situations. The primary caveat is that bankruptcy is a serious legal tool with lasting credit and financial consequences—this firm markets solutions rather than alternatives, so prospective clients should ensure they've exhausted non-bankruptcy options and understand the 7-10 year credit impact before engaging.
Arizona bankruptcy and debt settlement law firm offering Chapter 7, Chapter 13, and debt resolution services with flexible payment plans and same-day attorney response.
Google rating from 110 reviews
Profile signals: Arizona residents facing significant unsecured debt who want legal bankruptcy representation with personalized attorney guidance, Homeowners and vehicle owners facing foreclosure or repossession who need immediate automatic stay protection
Arizona-based law firm offering bankruptcy, criminal defense, DUI, and personal injury representation with free case evaluations and hands-on attorney support.
Google rating from 197 reviews
Profile signals: Arizona residents (Phoenix, Peoria, Tempe, Tucson areas) seeking bankruptcy representation with personal attorney attention, Consumers who prioritize post-representation accessibility and ongoing support from their legal team
Jacksonville-based bankruptcy law firm offering Chapter 7 and Chapter 13 filing services, foreclosure defense, and real estate law with nearly a decade of attorney experience.
Google rating from 109 reviews
Profile signals: Florida residents in the Jacksonville area facing Chapter 7 or Chapter 13 bankruptcy filing needs, Homeowners in foreclosure proceedings requiring legal defense and representation
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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