Kathleen G. Cully PLLC

Kathleen G. Cully PLLC

Making the System Work for You

Firm Overview


Main Office
Client Meetings
42 W. 44th Street
New York  NY  10036
  • 212.447.9882
  • 800.979.0423


Free Initial Consultation?
Services Offered For Fixed Fees?
Basic Chapter 7 and Chapter 13 bankruptcy filings
Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Debt Relief and Consumer Finance.

My firm is a debt relief agency that helps people file for bankruptcy under the bankruptcy code.
Manhattan Consumer Finance and Bankruptcy Law Attorney

In the current economy, many people are struggling with their finances. Some people are turning to bankruptcy to regain their financial security; others are using debt negotiation or working with their landlords or boards to resolve credit problems, foreclosure or eviction. Regardless of your chosen methods, working with an experienced lawyer can help you achieve the result you need.

Ms. Kathleen Cully has almost 30 years of experience helping clients in Manhattan and the surrounding areas negotiate financial transactions and workouts. She is a member of the National Association of Consumer Bankruptcy Attorneys and an instructor at Max Gardner's famed Bankruptcy Boot Camp. Contact this experienced lawyer online or call 212-447-9882 to schedule your free initial consultation at our conference rooms conveniently located in midtown Manhattan at 42 W. 44th Street and 188 Madison Avenue.

A graduate of Yale Law School with almost 30 years of experience in financial law, Ms. Cully brings a wealth of legal, financial and bankruptcy knowledge to each of her clients. She's familiar with the law and the financial system from all perspectives and knows how your individual finances fit into the system; she continues to work with lenders and securitizers to improve lending criteria and workout processes to ensure that credit will continue to be available at the best possible terms. She understands: what creditors are looking for and how your needs align with their goals. For most creditors, payment delays and bankruptcy are part of their business; it's fundamentally about maximizing recovery in a statistics-based framework. Working with a knowledgeable attorney like Ms. Cully to correctly and professionally negotiate your debt or file for bankruptcy is an excellent way to restructure your finances to achieve the best possible result for you.

How did your firm decide on the primary area of practice(s)?

I chose consumer finance and bankruptcy twice. First, when I decided to become a lawyer, I intended to specialize in consumer finance to help people in their dealings with banks, retailers, and other large institutions. When I began to practice securitization, structured finance and workouts, I felt that I was helping individual consumers by making financing reliably available at a lower cost. I chose it most recently after I left that practice (which was no longer helping individual consumers), to return to my long-term interest. It was also a natural development of my financial practice, changing the focus to the consumers who were always the foundation of the financial markets.
What do you like best about your career?

I enjoy working with my clients to solve problems, improve their situation, and achieve their goals. I also enjoy the intellectual stimulation of finding a solution to a problem that works for everyone. And I enjoy feeling that what I'm doing makes a difference, in a small way to the economy and in a large way to my clients.

What experience or education distinguishes your lawyers from others?

My experience in financial market practice has made me very efficient, able to focus on both the details and the goals, and familiar with the financial system in all its aspects, especially consumer lending.

My life experience is probably even more important: I identify with my clients because I'm one of them. The daughter of a laundryman, I went to college and law school on scholarships and student loans. I was the sole support of my family of five children, so I know what it is to live from paycheck to paycheck and stretch to provide for my children. Now that my children are grown and I no longer have a mortgage, I'm glad to be able to help other people realize their financial goals.

I help make the system work for my clients, instead of against them. I give every client the benefit of my years of experience in the securities, securitization and structured finance industries, enabling them to achieve the best possible solution to their problems and to understand the statistically driven business model of their creditors, which makes their bankruptcy or workout a win/win solution for both sides instead of a failure. I identify with my clients and thoroughly explore their situation, researching the law to achieve the best possible outcome while keeping costs as low as possible.

What distinguishes your law firm from others?

I am a sole practitioner. Each client deals directly with me and has my undivided attention.

Kathleen Cully

Before opening my own firm in 2007, I was the General Counsel of the bond insurers CIFG and ACA Capital and Deputy General Counsel of FitchRatings, one of the top three rating agencies. I was also Associate General Counsel and then Global Securitization Coordinator for Citigroup. I began my legal career as an associate with Sullivan & Cromwell LLP.

  • Bar Number: 1866326
    New York , 1983
  • Yale Law School
    JD , 1982
    New Haven, CT
    Articles editor, Yale Law Journal