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Law Office of William Waldner

469 7th Avenue, Suite 1225 · New York, NY 10018 · (212) 244-2882

Bankruptcy Chapter 7 Chapter 13 Debt Relief Foreclosure Defense Creditor Harassment

17+ years of exclusive bankruptcy practice. William Waldner personally handles every case from intake to discharge — no paralegals, no clerks, no churn. A boutique solo firm built around one promise: a real fresh start, with a lawyer who answers the phone.

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5.0
★★★★★
All 5-star reviews on Avvo · 118+ reviews
Overall
5.0
Results
5.0
Communication
5.0
Value
4.8
Editorial Verdict

Why Choose This Firm?

Filing bankruptcy is one of the most stressful financial decisions a person can make — and the wrong attorney makes it worse. William Waldner is a true bankruptcy specialist: 17+ years, exclusive Chapter 7 and 13 focus, and he personally works every case. No bait-and-switch with a junior associate. Every Avvo review is five stars. He's quoted as a personal-finance expert by The Wall Street Journal, CNN, and U.S. News. If you're drowning in credit card debt, dealing with creditor harassment, or facing foreclosure, this is the kind of attentive, focused practice that makes the difference between a botched filing and a true fresh start.

Practice Areas

Situations They Handle

Filing Bankruptcy (Personal) Chapter 7 — Liquidation Chapter 13 — Repayment Plan Stopping Wage Garnishment Stopping Foreclosure Stopping Creditor Harassment Dischargeable Debt Analysis Means Test Qualification Repossession Defense Tax Debt & IRS Issues
Fees & Pricing

What You'll Likely Pay

Personal bankruptcy is billed at an affordable flat fee, plus court filing fees ($338 Chapter 7 / $313 Chapter 13). Free consultation. Payment plans available before filing.

$1,500–$2,500
flat fee — Chapter 7
$3,500–$5,000
flat fee — Chapter 13
The Team

Key Attorney

William W. Waldner, Founder

William W. Waldner

Founder & Solo Practitioner
17+ years exclusive bankruptcy. Personally handles every case start-to-finish.
Direct attorney access

Direct Attorney Access

No Paralegals · No Clerks
Every call, email and court appearance handled by the attorney himself.
Court Admissions

Court Admissions

SDNY, EDNY Bankruptcy Courts
Practices in Southern & Eastern Districts of NY (all five boroughs & LI).
Client Experiences

What Clients Say

Client
Anita G.
Filing Bankruptcy · Manhattan
★★★★★
"I was buried under $80K in credit card and medical debt. Bill answered every call himself, walked me through Chapter 7 in plain English, and got my discharge without a single hiccup. Life-changing service."
Client
Marcus B.
Foreclosure Defense · Bronx
★★★★★
"Bank was about to take my house. Filed Chapter 13 with William, set up a 5-year repayment plan, and saved my home. He took my call at 9pm on a Tuesday. Honest, fast, fair fee."
Client
Karen P.
Stopping Wage Garnishment · Queens
★★★★★
"Garnishment was killing me — losing 25% of every paycheck. Within a week of filing, the garnishment stopped. William handled the whole thing for a flat fee. No surprises."
Get Help Now

Request a Free Consultation

Tell William about your debt situation. Free phone consultation, full case review, no obligation. Most callers reach the attorney directly.

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FAQ

Common Questions About This Firm

Is the consultation actually free?
Yes. The initial phone consultation is free, with no obligation to retain. William will review your debt situation, explain whether Chapter 7 or 13 fits, and give you a flat-fee quote in writing before any work begins.
Will I lose my home if I file bankruptcy?
Most New York filers keep their home. Chapter 7 has a homestead exemption (currently $204,825 in NY for downstate counties) that protects equity in your primary residence. If you're behind on the mortgage, Chapter 13 lets you cure the arrears over 3–5 years while staying in the home.
How fast can bankruptcy stop creditor calls and garnishment?
The "automatic stay" kicks in the moment a bankruptcy petition is filed — usually within days of engagement once intake is complete. Wage garnishments stop, repossessions halt, and creditor calls become illegal. The protection is immediate and federal.
Will bankruptcy ruin my credit forever?
No. A Chapter 7 stays on your credit report for 10 years and Chapter 13 for 7 years, but most clients see their credit score recover within 12–24 months — often higher than before, because the heavy debt load is gone. You can typically qualify for a mortgage 2–4 years post-discharge.
Do you handle business bankruptcies?
No. The firm focuses exclusively on personal Chapter 7 and Chapter 13 bankruptcy for individuals and married couples. For corporate Chapter 11 reorganizations, you'd need a different firm.

Helpful Resources & Related Pages

Quick Facts

Firm SizeSolo Practitioner
Years Practicing17+ years
Practice FocusBankruptcy Only
Fee StructureFlat Fee
Chapter 7 Fee$1,500–$2,500
Free ConsultationYes
LanguagesEnglish, Spanish
Virtual AvailableYes
Avvo Rating10.0 Superb
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Office

Midtown Manhattan:
469 7th Avenue, Suite 1225
New York, NY 10018
(212) 244-2882

Recognition

  • ✓ Super Lawyers Rising Star
  • ✓ Avvo 10.0 "Superb" Rating
  • ✓ Featured: Wall Street Journal
  • ✓ Featured: CNN, U.S. News, CBS NY
  • ✓ All 5-Star Reviews on Avvo

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