For over 28 years, Brian Figeroux, founding attorney of Figeroux & Associates, has established himself as a highly experienced legal professional, particularly in Bankruptcy Law. His deep understanding of both Chapter 7 and Chapter 13 bankruptcies has helped countless clients resolve their debt issues, regain financial stability, and even rebuild their credit. Mr. Figeroux’s unique qualifications in law, economics, accounting, and banking, combined with his client-centered approach, have made him a trusted advocate for individuals navigating complex financial difficulties.

Operating out of 26 Court Street, Suite 701, Brooklyn, NY 11242, Mr. Figeroux and his firm are located at a strategic point near the Kings County Supreme Court and just ten minutes from the New York County Supreme Court. This prime location ensures clients can easily access legal services in multiple jurisdictions. Mr. Figeroux’s practice also emphasizes flexible billing, open communication, and a personalized approach to legal representation, contributing to his success in bankruptcy law.

Educational Background: A Financial and Legal Foundation

Brian Figeroux’s academic background reflects his strong foundation in both financial matters and legal expertise. In addition to his law degree, he holds an impressive array of qualifications that make him uniquely positioned to handle bankruptcy cases involving complex financial issues. His education includes:

• Master’s Degree in Economics (1990), Brooklyn College, CUNY: Mr. Figeroux’s expertise in economics allows him to evaluate clients’ financial situations comprehensively, considering both the immediate impact and long-term financial consequences of bankruptcy. His economic insights help him craft effective strategies for asset protection and debt relief.
• Bachelor’s Degree in Accounting (1989), Brooklyn College, CUNY: With a focus on individual, corporate, and taxation for Wills, Trusts, and Estates, his accounting degree enables Mr. Figeroux to carefully examine financial records, ensuring that bankruptcy filings are accurate and complete. His deep understanding of tax laws allows him to advise clients on the tax implications of bankruptcy, which can be particularly complex in cases involving significant assets or investment properties.
• Certificate in Banking: This additional certification enhances Mr. Figeroux’s ability to manage cases involving real estate, investment properties, and foreign assets. His knowledge of banking operations ensures that he can address issues related to mortgage defaults, loan modifications, and other banking-related concerns during bankruptcy proceedings.

These academic credentials give Mr. Figeroux a unique perspective on the financial complexities of bankruptcy cases, enabling him to provide holistic legal and financial advice to his clients.

28 Years of Experience in Bankruptcy Law: Chapter 7 and Chapter 13 Expertise

Mr. Figeroux’s vast experience handling Chapter 7 and Chapter 13 bankruptcy cases is central to his legal practice. He has successfully represented clients from all walks of life, offering tailored advice on managing overwhelming debt, protecting assets, and rebuilding credit. His practice includes helping clients file for bankruptcy relief, negotiate with creditors, and achieve debt discharge, all while providing clear guidance on their financial future.

• Chapter 7 Bankruptcy: Often called “liquidation” bankruptcy, Chapter 7 is designed to eliminate most unsecured debts, such as credit card debt and medical bills, allowing clients to start over financially. Mr. Figeroux helps clients determine whether they qualify for Chapter 7 and ensures the process is completed efficiently. Whether clients are burdened with unpaid student loans, medical expenses, or large consumer debts, Mr. Figeroux ensures that they maximize the benefits of Chapter 7 while protecting key assets.
• Chapter 13 Bankruptcy: Chapter 13 allows clients who have a steady income but face mounting debt to restructure their debt and create a manageable repayment plan. Mr. Figeroux works closely with clients to create a feasible financial plan that fits their income, helps them keep their homes, and addresses secured debts like mortgages and car loans. His financial expertise allows him to analyze clients’ income, assets, and liabilities, ensuring that the repayment plan is both realistic and beneficial in the long term.

Comprehensive Client Representation: From Property Owners to Investment Holders

One of the key strengths of Brian Figeroux’s practice is his ability to represent a wide range of clients, from individuals with modest financial resources to those with significant assets, including investment properties. He has successfully helped clients:

• Property Owners: Mr. Figeroux provides careful guidance on protecting real estate during bankruptcy, whether the client owns a primary home or has investment properties. He has helped homeowners navigate foreclosure, secure loan modifications, and discharge debts while retaining ownership of their homes whenever possible.
• Investment Property Holders: For clients with real estate investments, Mr. Figeroux offers sophisticated advice on how to manage these assets during bankruptcy, ensuring that properties are handled correctly to avoid unnecessary liquidation. His experience in accounting and banking ensures that these clients receive expert advice on legal and financial implications.
• Student Loan Debt: Many of Mr. Figeroux’s clients are burdened with overwhelming student loan debt. While bankruptcy rarely discharges student loans, Mr. Figeroux helps clients develop strategies to manage or reduce their payments through income-driven repayment plans, loan rehabilitation, or deferment options.
• Medical Bills and Consumer Debts: Mr. Figeroux regularly represents clients facing massive medical bills or substantial credit card debt. By filing for Chapter 7 or Chapter 13 bankruptcy, these clients can discharge unsecured debts and regain control over their financial lives.

Post-Bankruptcy Success: Credit Repair and Mortgage Eligibility

One of the standout features of Mr. Figeroux’s practice is his commitment to helping clients rebuild their financial health after bankruptcy. Through personalized financial advice, many of his clients see significant improvements in their credit scores after completing their bankruptcy filings. Mr. Figeroux provides practical guidance on improving credit ratings and eventually qualifying for new loans, including mortgages for home purchases.

By helping clients reduce their debt and rebuild their financial profiles, Mr. Figeroux’s work often leads to reduced stress levels, financial stability, and, in many cases, an improved quality of life for clients and their families.

Flexible Billing and Client-Focused Representation

Mr. Figeroux understands that legal fees can be a concern for clients facing financial hardship. To accommodate this, his law firm offers flexible billing arrangements. Clients can pay most legal fees at the end of representation using funds from asset distribution or settlement agreements. This arrangement reduces the upfront financial burden and ensures clients receive high-quality legal services without immediate financial strain.

Ask The Lawyer: 25 Years of Communication Expertise

For over 25 years, Brian Figeroux has hosted a radio show called Ask The Lawyer, where he provides valuable legal advice to listeners on a wide range of topics, including bankruptcy, estate planning, and family law. His experience as a radio host has greatly enhanced his communication and listening skills, allowing him to engage effectively with clients and ensure they fully understand their legal options. His ability to simplify complex legal matters is one of the hallmarks of his practice.

Accessibility and 24/7 Client Support

Brian Figeroux understands the importance of being available to clients during one of the most stressful periods of their lives. His commitment to client care extends to 24/7 communication availability, allowing clients to reach him via email, text, or telephone whenever they need advice or reassurance. This level of accessibility ensures that clients always feel supported throughout the legal process.

Conclusion: A Dedicated Advocate in Bankruptcy Law

With 28 years of experience in bankruptcy law, Brian Figeroux has helped countless individuals and families overcome financial hardship, discharge debt, and rebuild their lives. His unique blend of legal, financial, and economic expertise sets him apart as a skilled bankruptcy attorney capable of handling even the most complex cases involving property ownership, investment portfolios, and substantial debts. His firm’s flexible billing, 24/7 accessibility, and strategic location in downtown Brooklyn make Figeroux & Associates the ideal choice for clients seeking expert guidance and compassionate representation during financial difficulties.

For those in need of experienced bankruptcy counsel, Brian Figeroux can be reached at Figeroux & Associates, 26 Court Street, Suite 701, Brooklyn, NY, 11242, by phone at 855-768-8845 or by email at bfigeroux@msn.com.