Overwhelmed by debt? You don’t have to face it alone. At Pagan Lopez Law, we help individuals and families in New York stop wage garnishments, prevent home foreclosure, and eliminate debt through Chapter 7, 13, or 11 bankruptcy — legally, compassionately, and fast.
Take the first step toward financial freedom today.
You’re not alone. And you’re not out of options.
At Pagan Lopez Law, we help good people like you get out of bad situations—legally and without judgment. Bankruptcy is not giving up. It’s fighting back.
Ideal if you’re overwhelmed and have few or no assets to protect. This chapter can wipe out most or all of your unsecured debts—credit cards, medical bills, payday loans, and more.
Perfect if you have stable income and want to save your home or car. This chapter can stop a foreclosure, prevent repossession, and protect your income by setting up a court-approved payment plan.
Designed for business owners or individuals with high debt and complex assets. This chapter can give your business or high-debt situation a structured path to recovery.
Most importantly, bankruptcy can stop the calls, stop the stress, and stop the spiral—so you can breathe again, sleep again, and focus on rebuilding.
Because you deserve more than just legal help — you deserve real solutions, human understanding, and a team that’s truly on your side.
When you’re putting your financial future in someone’s hands, trust is everything. That’s why at Pagan Lopez Law, your case will be handled directly by our lead attorney, Roberto Luis Pagan — a licensed, experienced, and ethical lawyer with over a decade of practice in New York.
👨⚖️ Licensed Attorney in New York since 2012
🎓 Graduate of Interamerican University of Puerto Rico School of Law
📍 Registered with the 2nd Appellate Division (Queens County)
Roberto Pagan – 4978391
Not all — but many. Chapter 7 can eliminate most unsecured debts like credit cards, medical bills, and payday loans. Some debts like student loans, child support, and certain taxes may not be dischargeable.
Not necessarily. If you’re current on payments or file Chapter 13, you may be able to keep your home and vehicle while reorganizing your debts. We’ll review your case to protect what matters most.
It depends. Bankruptcy isn’t one-size-fits-all, but for many people, it’s a powerful legal tool to reset their finances and stop collections. We offer free consultations to evaluate your options honestly.
A Chapter 7 case typically takes 3 to 6 months. A Chapter 13 plan runs 3 to 5 years. We’ll guide you through every step and handle all the paperwork.
In most cases, filing for bankruptcy does not impact your immigration process — but it’s important to speak to an attorney who understands both systems. At Pagan Lopez Law, we do.
Because we combine deep legal knowledge with real human care. Roberto Pagan has been licensed since 2012, with no disciplinary history, and has helped hundreds of clients start fresh. You’ll never feel judged — only supported.
Absolutely. Your case, your finances, your story — all protected by attorney-client privilege.
Simple — fill the form below to schedule your free, confidential consultation. No pressure. Just honest answers.