Welcome to our web site. The Law Office of Henry Ahrens specializes in helping consumers cope with their financial difficulties.  By reading the information contained in this web site, you should feel encouraged and empowered - you are taking the first positive steps towards regaining control of your financial circumstances.  There are sound solutions available to your financial issues, and we urge you to call us, so that we can help you explore them. 

The current economic crisis, which is commonly acknowledged to be the worst since The Great Depression, has placed tremendous pressure on hard working consumers and their families.  The U.S. economy has lost 6.7 million jobs since this recession began.  Moreover, although the pundits are claiming that this severe recession is now “winding down”, the fact remains that this recovery has been, up until now, a jobless one.  The official unemployment rate remains near 10%, and if one were to also count all those who are either underemployed, working on a part-time basis (while seeking full-time work), and those who have simply given up their search for employment, the true unemployment rate would be closer to 20%.   

Further, the sub-prime mortgage crisis continues to place many innocent homeowners in financial peril.  Many innocent homeowners were victimized by the predatory lending practices of the mortgage industry.  Many homeowners were duped into accepting certain types of mortgages which have now reset, and have discovered that they cannot afford to pay the steep increases in their monthly mortgage payments now required by these loans.  This has caused record numbers of foreclosures, and in turn steep declines in home values, leaving many homeowners with no or negative equity in their homes.  If you are in this situation, I urge you to call our office.  We offer real solutions to deal with this problem.  In certain circumstances, we can even help you restructure your 2^nd and 3rd mortgages from being considered secured to being considered unsecured debt.  This will allow you to repay a very small percentage of these mortgages, perhaps as little as 2% or 3%, and still keep your home.  The remaining 97% or 98% of your 2^nd and 3^rd mortgages will then be eliminated at the completion of a Chapter 13 Plan. 

We provide a FREE CONSULTATION with an experienced New York bankruptcy attorney.  Your matter will be handled personally by Mr. Ahrens, a member of the National Association of Consumer Bankruptcy Attorneys  - not by a paralegal or other legal assistant.  Your Free Consultation is not limited to any specific amount of time - Mr. Ahrens, an experienced bankruptcy attorney, will spend as much time with you as is necessary.  We have two convenient office locations.  Our New York City office is located in downtown Manhattan, just south of Canal Street, near the Manhattan courthouses and the Brooklyn Bridge.  Our Long Island office is located approximately 2 miles east of the Queens/Nassau border on Hempstead Turnpike. Both offices are easily assessable from Queens, Brooklyn, Nassau and Suffolk Counties, by both car and public transportation.

Thank you for visiting our web site.  We hope you find the information on this site to be helpful.