Michael H. Schwartz, P.C.

What the firm concentrates on

Michael H. Schwartz, P.C. is a debt relief law firm based in White Plains, New York. Its work sits in two connected areas: bankruptcy and the defense of homeowners facing foreclosure. The website presents these as the core of what the firm does, and the detail on the site stays close to those subjects.

The bankruptcy side covers both consumer and commercial matters. That means the firm helps individuals who are carrying personal debt as well as businesses that need to reorganize or wind down. Both types of client run into the same federal system, and the firm handles cases under three chapters of the U.S. Bankruptcy Code.

The bankruptcy chapters it handles

The firm files cases under Chapter 7, Chapter 11, and Chapter 13. Each chapter answers a different problem, so it helps to separate them.

Chapter 7 and Chapter 13

Chapter 7 is the liquidation route many individuals use to clear qualifying debts. Chapter 13 sets up a court-approved repayment plan over a period of years, which can let a person keep property while catching up on what they owe. The firm takes on both, and it works with consumers on each.

Chapter 11

Chapter 11 is the reorganization chapter, and it tends to involve businesses and more complicated finances. The firm lists it among its services, which points to work beyond simple personal filings. In my opinion, offering all three chapters under one roof is a practical sign that the firm can meet clients wherever their debt situation sits.

Foreclosure defense and mortgage work

Alongside bankruptcy, the firm represents clients in foreclosure defense. It also handles mortgage modification, which is the process of changing the terms of a home loan so the borrower can stay current. These two services often overlap with bankruptcy, since a Chapter 13 plan can address mortgage arrears.

The pairing makes sense for homeowners under financial pressure. A client worried about losing a house can look at both the foreclosure case and the bankruptcy options with the same firm. That saves the client from stitching together separate advisors for problems that feed into each other.

Who leads the firm

The named attorney is Michael H. Schwartz. The site records that he served as Co-Chair of the Westchester County Bar Association Bankruptcy and Creditors Rights Committee, a role tied directly to the field the firm practices in. He is also a sustaining member of the National Association of Consumer Bankruptcy Attorneys.

His training includes Max Gardner's Bankruptcy Boot Camp and the related Veteran's Boot Camp, which cover advanced bankruptcy litigation and securitization. Securitization matters in foreclosure cases because it deals with how mortgage loans get bundled and sold, and who actually holds the right to foreclose. The site also notes that Schwartz has been quoted in the New York Times and the Wall Street Journal on subjects within his practice.

As a reviewer, I read that combination of a bar committee role and continuing study as a focus on one body of law rather than a broad general practice. The credentials the site lists all point back to bankruptcy and debt.

What the record shows

The firm states that it has represented consumers and businesses for almost 40 years. It also reports over 6,000 cases filed. Those are the firm's own figures, and they describe a long run of work in the same practice area.

A case count of that size, paired with the length of time cited, suggests steady volume in bankruptcy filings. I cannot verify outcomes from the numbers alone, and the site does not claim specific results. What the figures do convey is experience with the filing process itself, repeated across many clients.

The firm is a federally designated Debt Relief Agency under United States Bankruptcy laws. That designation applies to attorneys and firms that help people file for bankruptcy, and it carries specific disclosure duties. Naming it openly is the kind of plain statement the field expects.

Where it works and how to reach it

The office is in White Plains, and the firm describes a service area across the lower Hudson Valley and into New York City. The site lists Westchester, Rockland, Putnam, Dutchess, and Orange counties, along with the Bronx and Manhattan. That coverage spans suburban counties and dense urban neighborhoods, which fits a debt practice that draws clients from a wide radius.

Consultations can be arranged by phone or by video conference. For clients who are already dealing with financial stress, the option of a remote first meeting lowers one barrier to getting advice. The firm keeps the entry point simple, and the practical mechanics stay in the client's control.

Taken together, the picture is a focused debt relief firm led by an attorney whose background sits squarely in bankruptcy and foreclosure. The site does not stray into unrelated practice areas, and the credentials it cites reinforce that single focus. For a person weighing a bankruptcy filing or facing foreclosure in the counties the firm serves, that concentration is the main thing the listing establishes: a practice built around one area of law, staffed by a lawyer who has worked in it for decades and filed thousands of cases.