You're In Control Of Your Future Engaging in the right legal solutions. Natasha Meruelo, Attorney at Law, will guide you towards the fresh start you deserve. Schedule a Consultation today

Natasha Meruelo, Attorney at Law Is Here to Help You 

Bankruptcy, Special Needs Planning, & Estate Planning Attorney in White Plains, NY

Whether you're looking for help with overwhelming debt, want to ensure a special needs dependent is taken care of, or want assistance planning how your estate is left for your loved ones, our White Plains law firm can help. For over a decade, Attorney Natasha Meruelo has been aiding clients resolving their financial concerns and helping them plan for the future. We can also help nonprofit organizations with formation, governance, and other legal matters! Helping you realize your goals is our passion.

When it comes to you, your family, or your organization's concerns, we know how vital competent, compassionate legal representation is. We believe in providing clear, honest guidance to every client, no matter what they are dealing with. With an emphasis on personalized legal representation, we are prepared to bring you the services and guidance you need to feel confident when making important legal decisions. 


Discuss your legal needs with an experienced attorney today. Call our White Plains law firm at (914) 752-5098 or send us a message online.


What Our Clients Are Saying!

“Natasha Meruelo is professional, knowledgable and a solid attorney. She made sure I was well informed, prepared, and empowered throughout the court process. Having her support was invaluable. I am so grateful I followed my intuition and chose her to represent me. I highly recommend her!”

Our Awards & Memberships

  • WCBA
  • NACBA
  • Bankruptcy Boot Camp
  • American Bankruptcy Institute

Get Control of Your Finances & Protect Your Future 

Are you struggling with high-interest credit card debt, medical bills, mortgages, or tax debt? In recent years, more and more Americans have found themselves overcome by insurmountable debt. Not only is this incredibly stressful, but many people also find themselves fending off harassment from creditors and predatory collections agencies. In some serious cases, those struggling with debt have even been the target of lawsuits, especially due to recent changes in New York’s statute of limitations. If this is something you are dealing with, you are not alone. You have options. 

The benefits of working with an experienced bankruptcy attorney include: 

  • Personalized legal counsel focused on your needs
  • Someone who can help you determine if a reorganization or liquidation of your debts is appropriate for your situation
  • Help with filing and managing your case
  • Someone to handle all the paperwork for you
  • Having access to advice about options to save your home from foreclosure and preserve other assets such as your car
  • Being able to get advice on how you may be able to address and discharge tax debts
  • Peace of mind knowing someone is there, protecting your best interests and guiding you along the way
  • Having someone on your side with an extensive knowledge of bankruptcy law to represent you in court
  • The ability to explore other options such as debt settlement, loan modifications, tax workout options, and much more.

When an individual's debt becomes too much to handle, they may have the option of filing for bankruptcy or reorganizing their debts. Our White Plains bankruptcy attorney has helped hundreds of clients deal with their debts through careful guidance and thoughtful representation. We can help you determine what path forward is best for your situation, whether that be a bankruptcy case or another option. When you work with our White Plains bankruptcy attorney, our goal is to help you secure the best possible outcome and become debt free. 

Frequently Asked Bankruptcy Questions

  • Bankruptcy is a legal process in which you ask the Bankruptcy Court to grant you relief from your debts. Once begun, the bankruptcy process can reverse the downward spiral of negative credit information piling up and get you on the path of taking control of your finances.

    Some of the benefits of bankruptcy include:

    • Immediately halting creditor harassment
    • Discharging credit card and other unsecured debts
    • Preventing wage garnishment and money being taken from your bank accounts
    • Lowering your income-to-debt ratio
    • Eliminating tax consequences of discharged debt
    • Possibly preventing foreclosure of your home or repossession of your car
  • The truth is most debt consolidation companies do not have your best interests at heart and often will make your debt problems worse. Frequently, clients have come to me after paying these companies hundreds of dollars with the same or more debt than they had when they first began that process.

    Many times, when you are negotiating settlements or working with a debt consolidator, you may end up getting sued by your creditors because they do not defend these lawsuits for you. Additionally, you may find yourself dealing with 1099-c tax liability for the amount of money that was "forgiven" as a result of the settlement. Imagine thinking you resolved one of your debts but are now smacked with an IRS tax bill that comes straight out of your refund, or worse, that is a bill you now owe to the IRS!

    On the other hand, debts discharged in bankruptcy are not taxable income. While it is true that filing for bankruptcy is not great for your credit, debt consolidation can have a far more devastating impact because it only delays debt payments, not resolve them. If you stop paying your bills, creditors can still report you to credit reporting agencies unless you are protected by a legal declaration of bankruptcy. Bankruptcy gives you real and immediate protection from your creditors.

  • Unfortunately, obtaining a loan modification is far from straightforward. Did you know there are more than six different types of loan modifications, each with their own complex requirements? Additionally, there are quite a few factors that influence what type of a loan modification you will ultimately be eligible for, such as your income, the costs of your property taxes and insurance (escrow), and the amount of your delinquency.

    If you are seeking to change the terms of your current mortgage, a skilled and knowledgeable lawyer can help you navigate the maze of mortgage modification. As an experienced White Plains consumer defense attorney, I can provide the strategic counsel you need to successfully guide you through the process.

    My bank refuses to modify my mortgage. Can I do it on my own?
    If you are one of the many New Yorkers who own a mixed-use property, you may be able to modify your mortgage even if your bank has previously refused to do so. A common example is a multiple family home which serves as both a primary residence and rental property. If you are upside down in your mortgage payments, filing for Chapter 13 bankruptcy may allow you to cram down your mortgage to your home's current market value. Once a more reasonable interest rate is applied to the existing balance, you may be able to pay off your mortgage quicker than you ever anticipated.

  • The right bankruptcy option depends on your unique situation. In order to obtain a discharge of your debts, you need to take an honest assessment of what assets you own or may have owned but no longer own, what debts you owe, your income and expenses, and what your past financial dealings have been like. Once you have a complete picture of your circumstances, you and your bankruptcy attorney can decide whether filing for Chapter 7, Chapter 11, or Chapter 13 would be suitable for you.

Our Other Services 

Natasha Meruelo also offers residents in the White Plains area comprehensive special needs and estate planning services. If you have a dependent with special needs, ensuring that they have access to the public benefits they need to thrive is paramount. There are two types of trusts designed to help those with special needs while allowing them to preserve their benefits: First Party and Third Party Special Needs Trusts or Supplemental Needs Trusts. Our law firm can help you establish these trusts and other estate planning documents, including wills, revocable and irrevocable trusts, health care directives, and much more. We can also assist you with a guardianship proceeding for your loved one.

As a law firm, we proudly offer our clients customizable services designed to meet their needs. In addition to our bankruptcy, special needs, and estate planning services, we provide nonprofit organizations with knowledgeable legal assistance. Our White Plains nonprofit services attorney understands the unique challenges nonprofit organizations face, and we are prepared to put our experience and resources to work for you and your organization. 


If you live in the White Plains area and need help with a bankruptcy filing, special needs or estate planning, or nonprofit legal services, give us a call at (914) 752-5098. You can also schedule an appointment online. 



Protecting Yourself & Your Loved Ones

  • Over 15 years of Experience to Apply to Your Case.
  • Strategies Tailored to Meet Individual Needs.
  • Personalized & Straightforward Counsel.
  • Consultations to Evaluate Your Case Are Available.

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