Is it true that the new bankruptcy laws eliminate any chance for me to get a fresh start free of credit card debt? (NY)

No, everyone still has the right to file for bankruptcy under New York Bankruptcy Law and receive a fresh start. Most people will still be able to qualify for chapter 7 under the new bankruptcy laws. If a filer earns more than the NY State median household income, they may be required to repay part of their debt under a chapter 13 bankruptcy plan.

(Courtesy of Association of the Bar of the City of New York)