Hudson Valley real estate, systems thinking, and applied AI.
Bankruptcy doesn't always mean losing your home. Understanding the rules can help you make the best decision for your financial fresh start.
In Chapter 7, non-exempt assets may be sold to pay creditors — but New York's homestead exemption may protect some equity. In Chapter 13, you typically keep your home while following a repayment plan.
Yes, but you need court approval (called a 'motion to sell'). Your bankruptcy trustee and attorney guide this process. The proceeds go toward satisfying creditors, but remaining equity may be yours.
Not necessarily. New York's homestead exemption (up to $179,975 in Dutchess County) may protect your home equity.
We work with bankruptcy attorneys to help you understand whether selling is in your best interest.
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