Michelle Labayen has been practicing Bankruptcy law for over 16 years. Michelle possesses thorough knowledge of bankruptcy which includes knowledge of Chapter 7, Chapter 13, Adversary Proceedings, litigation under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. Michelle has represented Clients selling their property in Bankruptcy under Section 363 and assisted in Commercial Sales of property. Michelle has represented clients at the Legal Aid Society and was lead litigator in the State of New Jersey representing a National Creditor Law firm . Working for National Banks enabled her to be very familiar with the legal practices of credit card companies and foreclosure firms. Michelle is a member in good standing in the New York Bar Association, admitted to practice in the Eastern And Southern District Of New York and through out New Jersey. Michelle graduated from Columbia University in 1999 and New York Law School in 2003.