Michele E. Cosenza, Bankruptcy Attorney in New York

Michele concentrates on bankruptcy, business, chapter 11, creditor rights, and estate planning. Each area below outlines the kind of case Michele handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Business

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• Chapter 11

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• Creditor Rights

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• Estate Planning

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• Real Estate

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Michele's primary office is at 641 Lexington Ave., 14th Fl., New York, NY, 10022-4503. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with Michele usually go, from the moment you request a consult to the day representation begins.

Michele discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire Michele for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Michele walks through the likely range during the consult so there are no surprises.

• Does Michele offer a free consultation?

  Michele charges for the initial consult; that fee is credited toward representation if you retain Michele's office. Some bankruptcy attorneys offer free consults — check Michele's current terms during booking.

• How long do bankruptcy cases in New York typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Michele gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Michele take my case if I'm outside New York?

  Michele is licensed in New York. Matters governed by New York law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — Michele will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with Michele?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Michele will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Michele accepting new bankruptcy clients right now?

  Michele's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.