Business Details
22 Years
experience
Your Trusted Albuquerque Bankruptcy Law Firm
Melwani Law has provided compassionate and expert bankruptcy legal services to residents of Albuquerque and surrounding areas since 2004. Our firm specializes in helping individuals and families navigate debt crises through tailored solutions including Chapter 7 and Chapter 13 bankruptcy filings, debt consolidation, and creditor harassment protection. With over two decades of combined experience, our attorneys bring deep expertise in New Mexico bankruptcy laws and consumer debt resolution strategies.We prioritize client education, offering free consultations to help clients understand their options while emphasizing transparency and ethical representation. Our commitment to excellence is demonstrated through our track record of successfully representing thousands of clients in achieving financial fresh starts while maintaining strict compliance with all legal standards.
Services
Bankruptcy Filing
Debt Relief
Credit Counseling
Wage Garnishment
Foreclosure Defense
Details
- Year established: 2004
Highlights and features
- We offer over 20 years of combined experience in consumer bankruptcy law
- Our team provides free initial consultations with no-obligation evaluations
- We implement tailored debt solutions specific to each client's circumstances
- We guarantee immediate creditor harassment protection through legal channels
- Our attorneys maintain specialized expertise in New Mexico bankruptcy regulations
Services
Bankruptcy Filing
Our bankruptcy filing services help individuals eliminate overwhelming debt through Chapter 7 liquidation or Chapter 13 repayment plans. We guide clients through the complete process from document preparation to court representation. Our experienced attorneys ensure compliance with all federal and state bankruptcy regulations while protecting client assets through proper exemption application.
Foreclosure Defense
We provide legal defense against home foreclosure through Chapter 13 repayment plans and automatic stay enforcement. Our services include mortgage payment restructuring and negotiation with lenders to prevent property loss. We help clients catch up on missed payments while maintaining current obligations through court-approved payment schedules.
Wage Garnishment
Our wage garnishment services stop illegal income seizures through bankruptcy filings and legal exemptions. We help clients protect up to 75% of their net income from creditor collection actions. Our attorneys work to discharge underlying debts that trigger garnishment while ensuring compliance with New Mexico wage protection laws.
Debt Counseling
We offer comprehensive debt counseling to evaluate all debt resolution options including bankruptcy alternatives. Our services include debt settlement negotiations, credit counseling referrals, and loan modification assistance. We provide personalized financial education to help clients make informed decisions about their economic future.
Credit Rebuilding
Our post-bankruptcy credit rebuilding services help clients restore their financial standing through secured credit products and responsible financial practices. We provide guidance on credit report management and debt-free budgeting strategies. Our program includes ongoing financial education to prevent future debt crises.
People
Arun Melwani
Founder & Attorney
Arun Melwani founded Melwani Law after working as a Senior Financial Analyst at Intel Corporation and serving as Administrative Editor of the Natural Resources Journal. He graduated from the University of New Mexico School of Law and completed specialized bankruptcy training through the Max Gardner Bankruptcy Boot Camp.
Questions
What bankruptcy options are available in New Mexico?
New Mexico residents can file Chapter 7 bankruptcy to eliminate unsecured debts or Chapter 13 to reorganize debts into manageable payments. Our attorneys help determine which option best fits your financial situation.
How can bankruptcy stop creditor harassment?
Filing bankruptcy triggers an automatic stay that immediately stops all creditor communications, collection calls, and legal actions. This provides immediate relief from debt-related stress and harassment.
Can bankruptcy stop foreclosure proceedings?
Yes, filing Chapter 13 bankruptcy stops foreclosure and allows you to catch up on missed mortgage payments through a court-approved repayment plan while maintaining current obligations.
Will bankruptcy affect my credit score long-term?
While bankruptcy appears on credit reports for 7-10 years, it provides a fresh start to rebuild credit through responsible financial management and secured credit products.
What happens after bankruptcy discharge?
After discharge, you receive legal protection from debt collection and can begin rebuilding credit. Most clients qualify for secured credit cards immediately and traditional credit within 1-2 years.
