Here's Who We Are

We're Fund Virtually Everything

We fund business owners nationwide, regardless of industry, credit, or time in business. We fund it all.

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We Provide Multiple Options

We have a lot of different financing options available to our clients. Regardless of your situation, we’ll have a solution for you.

Fast Approval

Our application process is completely online. You can get funds in your bank account in literally 24 hours.

The Working Capital You Need In 24 Hours.

We get you funding. It's that simple. Regardless of credit, income, or time in business - we'll fund you.


Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.


Receive application approval in as little as 24 hours. There is no credit check required.

Receive Funds

Review and return your signed agreement and get your money in as little as 24 hours.

Recent Business Loans Funded

100K Term Loan

Ambulance Service

Our client bought a new ambulance.
2019 - June
55K Advance

Truck Funded

Our client used the funds to hire new team members.
2019 - February
85K Term Loan

Restaurant Funded

Our client used the funds for restaurant equipment.
2019 - May

Get a Decision in as Little As 30 Seconds

We’re Fast. We Help Regardless of Credit. WE HAVE A SOLUTION FOR YOU.

Apply Online

We have a completely online application process, which is simple and easy.

Get Offers

We'll match you with the best loan offers we have that are financially responsible.

Get Funded Quickly

We'll fund you the same day you accept our offer.

How Delancey Street Works

Fill Out Our Application

Answer basic questions about yourself and fill out our entirely online application. Each loan has its own online process.

Meet Your Concierge

We'll pair you with an experienced Delancey Street specialist who will reach out to you, and understand your needs. We'll try to determine which financial product is right for you.

Compare Our Loan Offers

We give you a few different loan offers based on your scenario and what options you qualify for.

Choose Your Loan

Once you've chosen a loan that works for you, we finalize it and start getting the documents needed.

Get Funded

Once we get all of the documents back, we'll get you funded ASAP.

We Help You Grow

After you get funded, your Delancey Street concierge specialist will keep in touch to make sure you're happy and doing well.

Business Loans

Get business loans ranging from 3 months to 18 months
No credit score requirement, we have a program for everyone
We can fund up to $5 million in virtually 24 hours

Long Island Bankruptcy Lawyer


Navigating Bankruptcy as a Long Island Resident

Filing for bankruptcy can be a difficult decision for Long Island residents struggling with debt. However, working with an experienced bankruptcy lawyer can simplify the process and help you get a fresh financial start. This article provides an overview of bankruptcy in Long Island, common bankruptcy myths, the different types of bankruptcy, and what to expect when filing.

Bankruptcy Basics for Long Islanders

Bankruptcy is a legal process governed by federal law that can help people eliminate or repay some debts under court supervision. It involves filing paperwork in federal bankruptcy court and working with a trustee appointed by the court. Many people have misconceptions about bankruptcy and avoid it due to stigma. However, it is a useful financial tool that provides much-needed relief from suffocating debt.There are two main types of personal bankruptcy filings in Long Island – Chapter 7 and Chapter 13. Chapter 7 bankruptcy eliminates eligible debt like credit cards, medical bills, personal loans, etc. Chapter 13 bankruptcy uses a 3-5 year repayment plan to catch up on debts like mortgages, car loans, taxes, etc. The type you file depends on your specific situation.

5 Common Bankruptcy Myths

Before deciding whether to file bankruptcy, it helps to separate fact from fiction. Here are 5 common myths about bankruptcy:

  • Myth: Bankruptcy ruins your credit forever.
    • Fact: Bankruptcy damages your credit, but your scores start recovering after about 12 months. After 7-10 years, the bankruptcy is removed from your credit report.
  • Myth: You can only file bankruptcy once.
    • Fact: You can file Chapter 7 bankruptcy once every 8 years and Chapter 13 bankruptcy once every 4 years.
  • Myth: All your property will be seized if you file.
    • Fact: You can keep exempt property like your home, car, retirement accounts, and household belongings. The exemptions vary by state.
  • Myth: Bankruptcy is “immoral” and irresponsible.
    • Fact: Financial problems can happen to anyone. Bankruptcy provides a chance to start over.
  • Myth: Bankruptcy is embarrassing and “public”.
    • Fact: Bankruptcy records are public but rarely searched unless you’re applying for credit or employment.

Overview of Chapter 7 and Chapter 13 Bankruptcy

Here is a quick rundown of how Chapter 7 and Chapter 13 bankruptcy work in Long Island:Chapter 7 Bankruptcy

  • Eliminates eligible debts like credit cards, medical bills, personal loans, etc.
  • Allows you to keep exempt assets like your home, car, retirement accounts, etc.
  • Takes 3-6 months to complete.
  • Debts discharged, or erased, at end of process.
  • Can’t file again for 8 years.

Chapter 13 Bankruptcy

  • Uses 3-5 year repayment plan to catch up on debts.
  • Commonly used for mortgages, car loans, taxes, child support, etc.
  • Pay a portion of debt and keep property like homes or cars.
  • Interest and penalties halted on eligible tax debt.
  • Can file again after 4 years (vs. 8 years for Chapter 7).

For both types, you’ll need to pass a “means test” to qualify and complete credit counseling. The process seems complex, but an attorney guides you through each step.

Finding the Right Long Island Bankruptcy Lawyer

Choosing the right lawyer is crucial for smoothly navigating bankruptcy. Look for an attorney who is experienced in bankruptcy law, not a general practitioner. Be sure they are licensed in New York and familiar with Long Island courts. Consider factors like:

  • Specialization in personal bankruptcy law
  • Member of the National Association of Consumer Bankruptcy Attorneys (NACBA)
  • 10+ years of experience handling Chapter 7 and 13 cases
  • Familiar with federal bankruptcy laws and Long Island exemptions
  • Reasonable fees and payment plans

Avoid attorneys who pressure you to file or promise to “stop foreclosure” or “erase all debt”. A reputable lawyer will review your situation and explain your options.

What to Expect When Filing Bankruptcy in Long Island

Here is an overview of what to expect when filing bankruptcy in Long Island:1. Initial consultation – Meet with attorney to discuss situation and options. They’ll explain the process and let you know if you qualify.2. Pre-filing paperwork – Provide financial documents so attorney can prepare forms. Includes tax returns, pay stubs, bills, asset/debt lists, etc.3. File petition – Paperwork filed in court to open case. Automatic stay stops collections. Trustee assigned.4. Attend 341 meeting – You and attorney meet with trustee for questioning (about 30 mins).5. Wait for discharge – Timeline depends on type of bankruptcy. Discharge eliminates eligible debts.6. Complete education course – Required credit counseling course to help avoid future financial issues.The process takes 3-6 months for Chapter 7 and 3-5 years for Chapter 13. It can seem intimidating but your lawyer handles the legwork. Many clients say filing bankruptcy gave them their lives back.

Making the Decision to File Bankruptcy in Long Island

Here are some signs it may be time to speak with a bankruptcy attorney in Long Island:

  • You’re using credit cards to pay living expenses
  • Creditors are calling constantly about late payments
  • You’ve tapped out friends/family trying to pay urgent bills
  • You’re facing wage garnishment or lawsuits from creditors
  • Mortgage/rent is jeopardizing your ability to pay other bills
  • You’ve tried debt management plans or consolidating with no success

Bankruptcy provides a chance to reset your financial life. The stigma around filing has decreased over the years – it’s now viewed as a practical solution. If you’re overwhelmed by debt with no end in sight, meet with an attorney to discuss whether bankruptcy is your best path forward.

Finding Financial Freedom in Long Island

The bankruptcy attorneys at Delancey Street help Long Island residents find financial freedom from debt. If you’re considering bankruptcy, contact us today to schedule a free consultation. We’ll review your unique situation, explain the bankruptcy process, and help you decide on the best path forward. With our personalized guidance, you can eliminate debt and get a fresh financial start. Don’t struggle with debt a moment longer – relief is possible.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

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