Julius A. Rivera, Jr., Attorney at Law

Mortgage Application Approved StampBANKRUPTCY “Bankruptcy is not what you think,” states Attorney Julius Rivera, Jr. “If you are having a problem paying your mortgage or your credit card bills, do not wait until the situation gets worse”.  Call Mr. Rivera now for your free phone or office consultation.”

“People who are having credit issues, are usually relieved when they leave my office” said Mr. Rivera.  “No one should make any arrangements with collectors without consulting an attorney”.

He advises people to come in as early as possible when experiencing problems making mortgage payments and paying bills.  His office will take calls from creditors, handle any payment arrangements, and if necessary, make any pre-planning arrangements prior to an actual filing.

His flexible appointments include weekends.



Bankruptcy laws can be used to modify your first mortgage. eliminate your second and third mortgages, reduce your vehicle loan payments and interest rates, eliminate or reduce your past income tax liability, eliminate credit card debt, eliminate liability for over payments for social security and other government debts.


Mortgage modification has developed into a powerful tool as part of a bankruptcy proceeding. The percentage of approval for mortgage modification applications done as part of a bankruptcy proceeding are much higher than outside of the bankruptcy court. The process is overseen by a federal bankruptcy judge pursuant to court order. The banks must attend court ordered status conferences and report to the judge as to the status of your application. The court will require that the bank act in good faith regarding your application.


Does not have to be a war. Does not have to be expensive, does not have to be drawn out, does not have to require court appearances provided that both parties are in agreement.


You can legally change your name or of your child by application to a court.

Last Will and Testament documentWILLS

Can be simple and inexpensive and provide for peace of mind.


You can authorize a trusted person to make decisions for you and act on your behalf that will survive your disability or incapacity to act for yourself.


Owners of real estate can transfer the ownership of their property

  • Free Consultation
  • Bankruptcy
  • Mortgage Modification
  • Divorce
  • Name Change
  • Wills
  • Power Of Attorney
  • Deed Transfers

Call Us Today!


Poughkeepsie, (Dutchess County)
309 Mill Street
Poughkeepsie, New York 12601

  • Free consultations
  • Weekend Appointments
  • Se Habla Espanol

What We Do

Our New York office specializes in Bankruptcy, Mortgage Loan Modification, Uncontested Divorce, Deed Transfer, NYS Statutory Power of Attorney, Will, Name Change.

Our Florida office is limited to Consumer Bankruptcy, Debtor Representation.

Our Locations

  • Peekskill, NY 10566
  • Poughkeepsie, NY 12601
  • Middletown, NY 10940
  • Bronx, NY 10461
  • Daytona Beach, FL 32117
More Information

Call For A FREE Consultation - 1-800-428-4LAW