• Westchester
  • New York City
  • New Rochelle
  • Yonkers
  • Mt Vernon
  • Bronx
John M. Crane, P.C.
is a full-service law office with a practice focused on Foreclosure Defense and Consumer Bankruptcy. We only work with individuals that are in financial trouble! Worried that you don't have the money to file bankruptcy? Ethically, only after there is a signed agreement and a fee has been paid, can John tell creditors that he represents you. For an initial payment of $150, John M. Crane will agree to begin your representation and stop creditors from harassing you! Whether a Chapter 7 or Chapter 13, all information you provide will be handled confidentially and professionally. If you need more info search on http://www.geogle.com.
What Makes Us Different
Our Bankruptcy practice focuses on the whole person. Unlike most bankruptcy attorneys, our focus is on minimizing your pain and the tremendous stress that people with financial problems face. There are alternatives to bankruptcy, and we discuss all your options and then give our recommendation as to which one is best for you!

Unlike a large law firm, John M. Crane, P.C. provides personal attention to each and every client. By only accepting a small number of clients, we are able to focus all our energies into each matter, delivering the legal representation of larger firms, along with the customer service experience of a fine dining restaurant. You will meet only with John, be walked step by step through the entire process, and understand what is going on at all times. We have evening and weekend hours. You will get a confidential appointment right away and always be treated with respect. There is no filling out 20 page Questionnaires before you ever speak to an attorney. You will meet with John and decide if you want to work with him before you ever give us any information!
To understand John’s consultative approach towards providing bankruptcy and foreclosure avoidance solutions, feel free to call him directly at (914) 937-7272. Because we are attorneys and not salespeople, we will not ask you for any information. Ask questions, and receive answers. Because I am a New York bankruptcy lawyer, I will help you determine if bankruptcy is right for you. However, unlike the large bankruptcy mills, there are any alternatives to bankruptcy and we will discuss these as well. After learning all about you, I will give you my opinion as to what option is right for you. Call today, and ask your questions about Chapter 7, Chapter 13, and any questions in between! that are better options for your specific situation.
Depth & Experience
John M. Crane, P.C. has significant depth and past experience handling the legal affairs of commercial businesses, individuals, and not-for-profit entities. Clients are in direct communication with John throughout their case and will always be able to find out the status of their matter by calling him directly. In addition to being an attorney, John M. Crane, Esq. is a former adjunct professor at Westchester Community College, as well as a former Village Trustee in the Village of Port Chester, where he was twice elected, the second time as the highest vote getter of all candidates! He is now committed to helping individuals get out of debt and stay out of debt! As a current member of the National Association of Consumer Bankruptcy Attorneys (NACBA), John has committed himself to representing individuals (THAT MEANS YOU) and not big business.

John M. Crane, P.C. is a member of the National Association of Consumer Bankruptcy Attorneys.
What is Bankruptcy?
Bankruptcy is a means for good people in bad situations to legally get a fresh start. There are certain requirements, but generally, anyone meeting those requirements has a legal right to file bankruptcy. As soon as a bankruptcy petition is filed, all creditors are prohibited from attempting to collect on all debts listed in the petition until the Court either discharges you from these debts or determines that you are not entitled to such relief.
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What is a foreclosure?
A foreclosure is a legal proceeding that is started by a lender after a home owner has failed to pay his/her mortgage. After a home owner has failed to make their payments on time (usually at least 90 days, but a lender does not have to wait before holding a borrower in default after even one missed payment), a lender will serve notice of default on the borrower as required by the loan documents (specifically the Mortgage in New York State). If the borrower does not cure their default by the time stated in the default notice, the lender can commence foreclosure proceedings in accordance with the law to take actual possession of the home. If a foreclosure is permitted, the borrower loses title to the home and the lender becomes the official owner of the home.
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What is an acceptable Hardship situation?
There is no one answer. Because every person is unique, each homeowner has a unique set of circumstances. Generally, lenders consider divorce, marital separation, loss of employment, death of spouse, co-borrower or family member, illness, job relocation, and/or military service to be acceptable reasons to consider a loan modification. By including a serious, detailed hardship letter as part of your modification application, the lender is given the documentation necessary to learn about your specific circumstances.
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