Dont be overwhelmed by debt. GET A FRESH START TODAY. BANKRUPTCY LAW CHAPTERS 7 & 13: Stop foreclosure, collections, harassing phone calls and garnishments. Protect your property and future earnings. Discharge credit card debts, medical bills and judgments. FORECLOSURE DEFENSE. Appear at your foreclosure Court Settlement Conference represented by a competent Attorney. Prevent your house from being sold at auction by knowing your rights. IS YOUR MORTGAGE HIGHER THAN THE VALUE OF YOUR PROPERTY? Sell your home at a short sale and avoid owing a debt to the bank. HAVE YOU LOST YOUR HOME TO FORECLOSURE? You may be entitled to surplus monies. Contact us today! LOAN MODIFICATION. Our Government has developed programs to help borrowers keep their homes. LET US EVALUATE YOUR SITUATION. FREE Consultation. Reasonable Fees. CALL: ORENSTEIN & KANDEL, LLP, Attorneys at Law, 217-04 Northern Boulevard. Suite 25, Bayside, NY 11361 718.819.0200 www.OandKLegal.com We are a designated debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.