Drowning in debt? Creditors calling nonstop? Facing wage garnishments or lawsuits? Bankruptcy Shark fights aggressively to eliminate your debt and give you the fresh start you deserve.
From the moment you hire us, creditors must stop all contact, lawsuits, and garnishments. Here's how we fight for you.
The second we file your case, an automatic stay kicks in. Creditors are legally barred from calling you, suing you, or garnishing your wages. The harassment ends immediately.
Credit cards, medical bills, personal loans — Chapter 7 can wipe them all out completely. You walk away owing nothing on qualifying unsecured debts.
Behind on your mortgage? Chapter 13 lets you catch up on missed payments over time while keeping your home. We stop foreclosure proceedings in their tracks.
We use New York's generous exemptions to protect your vehicle. In many cases, you keep your car, your furniture, your retirement accounts — everything that matters.
Creditors taking money straight from your paycheck? Filing bankruptcy immediately stops garnishments and may even help you recover funds already taken.
Bankruptcy isn't the end — it's the beginning. We help you rebuild your credit and move forward with a clean slate, free from the weight of crushing debt.
Not sure which type of bankruptcy is right for you? Understanding the differences is the first step toward a debt-free future. Here's everything you need to know.
Designed to eliminate most unsecured debts quickly. Ideal for individuals with limited income who need a complete fresh start.
Allows you to reorganize debt into an affordable 3–5 year payment plan. Ideal for homeowners or higher-income filers.
Still not sure? That's completely normal. Every situation is different. Book a free consultation and we'll review your finances, explain your options, and recommend the chapter that gives you the strongest fresh start.
Get Your Free ConsultationFiling for bankruptcy doesn't have to be complicated. We handle everything from start to finish so you can focus on your fresh start.
We review your debts, income, and assets to determine if Chapter 7 or Chapter 13 is the best option. No cost, no pressure, no judgment.
We prepare all bankruptcy schedules and petitions, complete your credit counseling requirement, and file your case with the court.
The moment we file, all creditor actions stop — no more calls, lawsuits, garnishments, or foreclosures. You're protected by federal law.
After your 341 Meeting of Creditors, qualifying debts are eliminated. You walk away with a clean slate and the fresh start you deserve.
We're not a firm that does a little bit of everything. Bankruptcy is our specialty. We know the Eastern District of New York bankruptcy court inside and out, and we fight to get every client the best possible outcome.
We live and breathe consumer bankruptcy law. Chapter 7 and Chapter 13 filings are all we do, which means you get a specialist, not a generalist.
Facing an imminent foreclosure, garnishment, or repossession? We can file an emergency bare-bones petition the same day to activate the automatic stay.
We offer low flat fees with flexible payment plans. No surprises, no hidden costs. Many clients pay as little as $0 upfront for a Chapter 7 filing.
You're not a case number. You'll work directly with your attorney from start to finish. We return every call and answer every question.
The attorneys behind Bankruptcy Shark bring over a decade of courtroom experience fighting for people buried in debt.
Mikhail Usher is the founder of Usher Law Group, P.C. and the force behind Bankruptcy Shark. A graduate of Brooklyn College (CUNY) and Saint Thomas University School of Law, Mr. Usher earned honors on the National Champion Mock Trial Team and clerked for the Honorable Judge Amy Steele Donner in Dade County, Florida. With over a decade of experience in debt litigation, consumer protection, MCA defense, and commercial disputes, he brings an aggressive, trial-ready approach to every bankruptcy case. He speaks Russian and Spanish.
Alexander Susi is an Associate Attorney at Usher Law Group, P.C., practicing in the heart of Brooklyn. Mr. Susi handles a diverse caseload spanning civil and commercial litigation, consumer protection, debt settlement, and immigration law. Known for his ability to break down complex legal issues into clear, actionable strategies, he plays a key role in the firm's bankruptcy and debt defense practice — from negotiating with creditors to litigating contested claims.
Mitchell Bromberg is an Associate Attorney at Usher Law Group, P.C. A graduate of Hunter College and Benjamin N. Cardozo School of Law, Mr. Bromberg brings experience in estate planning, probate, legal research, and client advocacy. Before becoming an attorney, he served as a legal extern and paralegal at the firm, giving him deep institutional knowledge of every case type we handle. Clients praise his thorough, caring approach and clear communication.
It's not a loophole. It's not a trick. It's a right the Founding Fathers put directly into the U.S. Constitution — and they did it for a reason.
The Congress shall have Power… To establish… uniform Laws on the subject of Bankruptcies throughout the United States.
— U.S. Constitution, Article I, Section 8, Clause 4In 18th-century England, people who couldn't pay their debts were thrown into debtors' prisons — Fleet Prison, the Marshalsea, King's Bench — and left there indefinitely. Entire families were ruined. A single bad harvest, a failed business, or an unexpected illness could cost a person their freedom. Debt wasn't just a financial problem — it was a life sentence.
The Founding Fathers had seen this system firsthand. Many had been merchants, farmers, and tradesmen. Some had struggled with debt themselves. They believed deeply that a free society could not tolerate debt bondage, and they refused to build a new nation on the same cruel foundation they had escaped. When they drafted the Constitution in 1787, they deliberately gave Congress the power to create bankruptcy laws — ensuring that no American would ever again be imprisoned or enslaved by debt.
That's why bankruptcy exists. It's not a last resort to be ashamed of. It's a fundamental American right, written into the same document that guarantees freedom of speech, freedom of religion, and due process. Exercising it isn't a failure — it's using a tool the Founders specifically gave you to protect your family, your dignity, and your fresh start.
Article I, Section 8 — the same article that creates Congress itself — grants the power to pass bankruptcy laws. It's that foundational.
You don't have to apologize for filing. The law was put in place precisely so honest people overwhelmed by debt could start over.
The Founders rejected England's debtors' prisons. They believed no American should lose their liberty because of bad financial luck.
For over 200 years, the Supreme Court has called bankruptcy's purpose "a new opportunity in life and a clear field for future effort." That's your right.
Bankruptcy Shark is powered by Usher Law Group, P.C. — a firm with deep roots in debt litigation, debt settlement, and consumer protection law. That experience makes us better bankruptcy attorneys.
Before launching Bankruptcy Shark, our attorneys spent years in the trenches defending businesses and individuals against predatory lenders, creditor lawsuits, and merchant cash advance companies. We've litigated hundreds of debt cases in New York courts — so when we file your bankruptcy, we already know every trick creditors use and exactly how to shut them down.
Our firm has negotiated settlements saving clients 60–80% off their original balances owed to predatory lenders — eliminating six-figure obligations for a fraction of the amount. That negotiation skill translates directly to bankruptcy: we know how to deal with creditors, challenge inflated claims, and fight for the maximum discharge possible.
We've held debt collectors accountable under the Fair Debt Collection Practices Act (FDCPA), winning money back for clients who were illegally harassed. We know federal consumer protection law inside and out — which means when creditors violate your rights during or after bankruptcy, we don't just stop them, we make them pay.
Usher Law Group is one of New York's go-to firms for defending businesses against predatory Merchant Cash Advance lenders. We've vacated confessions of judgment, removed fraudulent UCC liens, and unfrozen bank accounts. That aggressive litigation DNA runs through everything we do at Bankruptcy Shark.
Learn more about Usher Law Group's full range of legal services at usherlegal.com
Get answers to the most common questions about bankruptcy filing in New York.
No. This is the biggest myth about bankruptcy. New York has generous exemptions that protect your home, car, retirement accounts, household goods, and personal property. Most of our clients keep everything they own. The goal of bankruptcy is to give you a fresh start — not to take away what you have.
From filing to discharge, a typical Chapter 7 case takes about 3 to 4 months. You'll attend one brief Meeting of Creditors about 30 days after filing, and your debts are usually discharged about 60 days after that. It's one of the fastest paths to debt relief available.
Yes, immediately. The moment we file your bankruptcy petition, a federal court order called the "automatic stay" goes into effect. This legally prohibits all creditors from contacting you, suing you, garnishing your wages, or taking any collection action against you. Creditors who violate the automatic stay can be held in contempt of court.
We offer affordable flat-fee pricing with flexible payment plans. Many clients qualify to pay $0 upfront. The court filing fee for Chapter 7 is $338, which can also be paid in installments. During your free consultation, we'll give you an exact quote with no hidden fees or surprises.
Chapter 7 eliminates most unsecured debts (credit cards, medical bills, personal loans) in 3–4 months with no repayment plan. Chapter 13 reorganizes your debts into an affordable 3–5 year repayment plan, which is ideal for people who want to save their home from foreclosure or have higher income. We help you determine which chapter is best for your situation.
No. While bankruptcy stays on your credit report for 7–10 years, most of our clients see their credit scores start improving within months of their discharge. Many clients are able to qualify for credit cards, auto loans, and even mortgages within 1–2 years of filing. If you're currently drowning in debt, your credit is likely already suffering — bankruptcy is often the fastest way to start rebuilding.
Yes. Filing bankruptcy immediately triggers the automatic stay, which halts foreclosure proceedings. Chapter 13 allows you to catch up on missed mortgage payments over a 3–5 year plan while keeping your home. For evictions, the automatic stay can provide temporary relief, though its effect on evictions is more limited depending on where in the process the landlord is.
Ready for a fresh start? Fill out the form or call us directly. Your first consultation is always free and 100% confidential.
Our team is standing by to review your financial situation and explain your options. We respond to all inquiries within 24 hours — emergency cases get same-day attention.
(718) 865-8566
Usher Law Group, P.C.
1600 Sheepshead Bay Rd, Ste 203
Brooklyn, New York 11235
Mon–Fri: 9:00 AM – 6:00 PM
Emergency filing available 24/7