How to File Bankruptcy in New York, New York 10001


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NY Bankruptcy InformationHow to File for bankruptcyHow to File Bankruptcy
in New York, New York



Step 1. Learn What to Do

 

Tasks involved in filing for Chapter 7 bankruptcy

 
  1. Learn what to do and where to start.
  2. Gather paperwork about your finances.
  3. Run the free means test calculator to gauge your bankruptcy options.
  4. Determine how much of your property is exempt.
  5. Attend mandatory pre-filing credit counseling.
  6. Prepare bankruptcy forms for filing (about 30 to 50 pages of forms).
  7. Make copies of forms and assemble them according to local court rules.
  8. File forms with the court.
  9. Go to the courthouse for meeting with court trustee. (Probably only once. Much can be done by mail or online.)
  10. File motions to eliminate liens (learn more law, and more forms).
  11. Attend mandatory pre-discharge Credit Education session.
  12. Receive court Discharge Order that officially wipes out your debts.
  13. Get on with your life.
 

To file for bankruptcy, first you need to learn enough to know where to start.

This site helps you do that. It will give you an overview of the bankruptcy process and connect you with a wide variety of resources (information, products, services, and lawyers) that can help you through the bankruptcy maze.

This site is free. Unlike other bankruptcy sites, you don't need to register or provide any identifying information to use the means test calculator. If you want to contact an advertiser, that's up to you, but this website isn't after your name or email address.

Do you need to file for bankruptcy?

You may not need to file for bankruptcy.

Chapter 7 bankruptcy is the neutron bomb of debt management and asset protection. A Chapter 7 is quick (a few months), and quite complete when it comes to wiping out unsecured debt like credit card and medical debts. You may want to save it for when you really need it--you can use Chapter 7 bankruptcy only once every seven years.

On the other hand, your particular combination of debt, income, and property may be a perfect fit for bankruptcy protection. The vast majority of people who end up filing for bankruptcy really do need it.

A lot has been written lately about whether bankruptcy makes sense for people, in light of the economic downturn, including these articles:

Info is not advice

This site will point you to numerous books, articles and services that can help you figure out whether it makes sense for you to file for bankruptcy.

However, this website cannot answer whether you, specifically, should or should not file for bankruptcy.

If you have questions about whether bankruptcy is right for you, you may want to seek credit counseling from a reputable agency or consult a lawyer. A free or low cost consultation with an experienced credit counsellor or attorney can help you identify the relevant factors of your specific financial situation that ultimately determine whether bankruptcy is an appropriate, financially prudent option at this point in your life.

 

The typical bankruptcy filer is a person already in fragile economic circumstances, often with large amounts of credit card debt, who then suddenly faces a spate of hard luck (loss of job, injury, divorce, uninsured medical expenses), resulting in mounting penalties and an unpayable amount of debt.

Bankruptcy law is designed to help people just like this, who need assistance in making a clean break -- a "fresh start" on life, rather than spend the rest of their lives being crushed by the burden of unpayable debt.

Even if you're facing unpayable debt, you still may not need bankruptcy to protect your assets. Under the Exemption Laws of New York, you may already be "judgment-proof." If so, you need not fear credit card companies simply because you owe them. Unsecured creditors (like credit card companies) can't take your stuff if it's exempt. If there are harassing phone calls, you can stop them with a simple phone call or letter. (However, interest and penalties on your debt will continue to accumulate and bankruptcy will put a stop to that.)

But exemption laws do not protect property from all types of debts or all types of creditors. For example, exemption laws typically do not protect you against collection of child support or tax debts. And if you bought property and pledged it as collateral for the purchase-money loan (for example, a car loan or mortgage), the lender can take the property regardless of any exemption law.

Finally, there are some kinds of debts that bankruptcy simply cant get rid of. These are called "nondischargeable" debts. This generally includes child support, most student loans, and most tax debts.

Where to Find More Information

There's much more to be said about this topic than can be said on a Web page. Any decision to file for bankruptcy versus other alternatives requires a thorough, systematic review (by you or someone you hire) of your income, debts, and property.

For less than $30, you can purchase and/or download Nolo's book, How to File for Chapter 7 Bankruptcy, which I wrote with attorney Steve Elias and Robin Leonard. Chapter 1 will walk you through a self-analysis of your situation and explain your options in plain English. The rest of the book offers step-by-step discussions of exempt property, keeping your home, and how to prepare and file your bankruptcy forms. The book includes line-by-line instructions for the official bankruptcy forms, complete with filled-in examples. Throughout the book, you are alerted to situations that are particularly troublesome and should not be handled without an attorney. (See Amazon.com reviews [here] and press reviews [here].)

This website supplements the information in the book by providing quick access to local (county-by-county) information and services.

For more money, there are other types of help available:

If you just need help with preparing the forms, you can hire a bankruptcy petition preparer.

If you want legal advice and analysis of the details of your specific situation, you can hire a New York bankruptcy lawyer to advise you. You'll find listings in the Lawyers section of this site. These listings are not endorsements. They are simply designed to help you quickly connect with service providers in your area.

Whether you decide to do it yourself or hire professional help, this site will help you become a smarter, better-informed consumer and help you steer clear of shoddy services.

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What kind of bankruptcy do you qualify for?


 New York Median Income
New York Bankruptcy InformationIf your average monthly income for the past six months is below the state median for your size household, you meet the requirements of the "means test" (section 707(b)(2) of the bankruptcy code) to qualify for Chapter 7 Bankruptcy.

   

Median Income standards effective November 15, 2013 through March 31, 2014

Median Income standards effective April 01, 2014

    Monthly Annual Monthly Annual
  Persons in Household        
  1 $3,951 $47,414 $4,009 $48,109
  2 $4,969 $59,631 $5,042 $60,504
  3 $5,846 $70,151 $5,932 $71,179
  4 $6,968 $83,614 $7,070 $84,839
  5 $7,643 $91,714 $7,745 $92,939
  6 $8,318 $99,814 $8,420 $101,039
  7 $8,993 $107,914 $9,095 $109,139
  8 $9,668 $116,014 $9,770 $117,239
  9 $10,343 $124,114 $10,445 $125,339
  10 $11,018 $132,214 $11,120 $133,439
 

Source: U.S. Trustee, U.S. Department of Justice (for bankruptcy cases filed on or after April 1, 2014)

Note. The means test is but one of several hoops you must jump through. Even if your income is low, a judge can prevent you from filing Chapter 7 if it appears that you have enough income to repay a substantial portion of your debts in a 3-year Chapter 13 plan.

There are two main types of bankruptcies for consumers:

Chapter 7 allows you to eliminate most unsecured debts in a matter of months in return for giving up all "non-exempt" property -- if you have any.

Most people who file for Chapter 7, have no available non-exempt property or equity. Whatever they still own by the time they file is either protected by exemption laws, or pledged to a secured creditor as collateral for a debt, and therefore not available to pay off unsecured creditors.

These are known as "no asset" bankruptcies, and most Chapter 7s are of this type.

Chapter 13 takes 3 to 5 years. Instead of giving up property, you repay a portion of your debts and live within a strict budget that is monitored closely by the bankruptcy court trustee. If you can't make the required monthly payments, your Chapter 13 bankruptcy fails and your debts will remain (unless you convert to a Chapter 7 bankruptcy).

Chapter 13 is commonly used by people who are behind on secured debt payments (e.g., mortgages) and want to propose a Chapter 13 plan to catch up on these payments over time.

Under the new bankruptcy law, which took effect in October 2005, a mathematical formula called the "means test" establishes an initial determination of the kind of bankruptcy you qualify for: Chapter 7, Chapter 13, or either. This formula takes into account:

  • your monthly income
  • the amount and kind of your debts, and
  • other aspects of your financial situation.

If your annual income is less than the New York median income for your household size, then you can file for Chapter 7 or Chapter 13, (assuming you meet other qualifications). If your income is higher than the state median, you must first complete a long list of expense deductions to estimate what your 'disposable income' will be over the next five years. The result of this calculation determines whether you can file for Chapter 7, or are left with Chapter 13 as your only option.

Although this form is rather long and complicated, the free, online Bankruptcy Means Test Calculator on this website can do the math for you and tell you how you would fare under the means test. This calculator is free and anonymous; you do not need to disclose your name, your email address, or any other identifiable personal information.

More info & resources...

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Where to file for bankruptcy

If you have lived in New York for at least 91 of the past 180 days (six months), you may file at the court described below. If you've moved recently, you may have to file at the court that served your old zip code.

The 10001 zip code and all of New York County are in the jurisdiction of the

New York Bankruptcy CourtNew York Southern District Bankruptcy Court

Most of your interactions (including the filing of your forms) can be done by mail. However, you will need to go the courthouse, in person, at least once for a meeting with the bankruptcy trustee. (There's more about that meeting in Chapter 7 of How to File for Chapter 7 Bankruptcy.)

See the list below for more information about your court, including addresses and maps to the courthouse(s).

Courthouses

Check the court website for updates to this information before relying on it.

New York

Phone: (212) 668-2870
Maps: Google; Yahoo

One Bowling Green
New York, NY 10004-1408

Poughkeepsie

Phone: (845) 452-4200
Maps: Google; Yahoo

176 Church Street
Poughkeepsie, NY 12601-4165

White Plains

Phone: (914) 390-4060
Maps: Google; Yahoo

300 Quarropas Street
White Plains, NY 10601-4140

General Information

Official Website for the New York Southern District Bankruptcy Court:

What to look for there:

Here are a few basic things to look for on any court website:

  • The local rules
  • Local forms
  • Some kind of web page, or downloadable plain English information about bankruptcy in its most general terms.
  • Some kind of plain English information about court filing requirements.
  • Specific instructions on how the court wants you to prepare and format a "mailing matrix" of creditor addresses.

Is your court willing to help someone without a lawyer?

Most bankruptcy court websites make little or no effort to help non-lawyers or provide important information in plain English. However, a few stellar courts do an outstanding job of providing practical, relevant information in plain English. There is no reason all courts can't do this; taxpayers should demand it.

See the LegalConsumer Court Ratings to see how well your court serves the public.


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Steps 2 & 3. Buy What You Need & Get Help If You Need It

How to File for bankruptcy

What bankruptcy costs

The cost of filing for bankruptcy is more than just the filing fee. There are fees for:

  • mandatory pre-filing credit counseling
  • mandatory debt management 'education'
  • advice and information to help you decide whether to file
  • preparing your forms for filing, making the required number of copies, and assembling them in the proper order
  • other court procedures that may be required or beneficial.

Here's a rundown of the costs you're likely to incur:

Amount

Time and Money for ...

$0 to 35

Research (Figuring Out What You Need to Do)

It's what you're doing now -- surfing the Web for information.

Surfing the Web is fine, but not all that efficient. To get up to speed faster, you can buy a step-by-step book that lays out the bankruptcy process and includes worksheets and forms.

Depending on where you live, you might be able to get some free bankruptcy help and information from the court, specifically for people filing bankruptcy without an attorney. An increasing number of courts offer such materials and you'll find links to those resources on the bankruptcy court page. Most bankruptcy courts used to offer little or no real help to non-attorneys. (There were a few happy exceptions to this general rule, but only a few.)

Even so, this information goes only so far. Court clerks still can't answer most questions or offer advice, but most now do offer some sort of self-service packet or people filing without an attorney, or who are at least curious about what is involved, before they decide to hire an attorney.

You may want to consult a bankruptcy lawyer early on, if you can get a free consultation.

Many people find that it's cost-effective to do some combination of both:

  • First, spend few bucks on a high quality book. Take an evening or two to learn about bankruptcy. Learn what bankruptcy can and can't do for you, and what a bankruptcy attorney can and should do for you.
  • Then use the free consultation with the attorney do discuss the more difficult aspects of your case that the book couldn't answer.

This approach helps you make the most of your time with the attorney, and helps you evaluate whether the attorney really knows bankruptcy law.

Bankruptcy is a specialized area of law. If you hire a lawyer, you want want one who really knows the subject and is familiar with local bankruptcy court rules and customs.

Bankrate.com's Bankruptcy Adviser column offers four reasons to hire a bankruptcy lawyer. It's a good article, but the dire warnings about 'misinformation' in that article can be avoided by buying a good, up-to-date book on the subject.

More Info:

Chapters 1 through 5 of How to File for Chapter 7 Bankruptcy

Resources:

Books :: Websites :: New York Southern District Bankruptcy Court

$25 to $100*

* If your income is low, the bankruptcy law says that you are entitled to free counseling or reduced rates but the law doesn't say who pays for it.

Mandatory Pre-Filing Credit Counseling

Before you file for bankruptcy, you must participate in a credit counseling session and get a certificate proving that you have done so. This typically costs around $50 to $75 and takes about 90 minutes, and can be done online or over the phone. If you are planning to file jointly with your spouse, you can both attend the same counseling session, but each of you must get a separate certificate.

The new bankruptcy law states that these agencies must provide credit counseling services without regard to a client’s ability to pay and must disclose the possibility of a fee waiver or fee reduction before beginning the counseling session.

Many critics of the new bankruptcy law see the credit counseling requirement as just another bureaucratic obstacle for already-desperate debtors. Perhaps so. But try to make the most of this 90-minute session by getting as much free information as you can. Use it as a way to get a second opinion about your financial situation, to gauge whether bankruptcy is, indeed, the right choice for your situation. However, by law, a credit counselor cannot actually advise you whether you should file for bankruptcy.

So far (since the credit counseling requirement began in October 2005), counselors are reporting that of the vast majority of the debtors they're seeing are in such dire financial shape that bankruptcy is the only realistic option left for them.

More Info

Chapters 1 and 6 of How to File for Chapter 7 Bankruptcy

Resources

$35 to 1,800*

* If you qualify for legal aid or have a legal plan through your union or employer, they will fill out the forms for you.

Preparing and Assembling Your Bankruptcy Papers

Filing for bankruptcy requires you to fill in 50+ pages of forms detailing all of your current debts, assets, income, and expenses, as well as your intentions regarding loans that are secured by collateral (such as car loans).

In addition to providing this information, you're required to make decisions about what you plan to do about your secured debts (that is, debts that are secured by property you own).

The cost of this phase depends on whether you hire professional help.

Do-it-yourself - under $30

With some diligence, you can prepare all these forms yourself... but if you're not the careful, diligent type, self-help might not be for you. Bankruptcy rules can be unforgiving, and became more so since the passage of the 2005 law. There was a time when incomplete filings could be easily amended once the errors were called to the filers attention.

Under the new law, it's extra important to have all your ducks in a row before you file -- and there are quite a few ducks... in the form of many pages of forms to fill in and supporting documentation that you must gather and organize before you're ready to file.

You must be willing to take the time to read a good step-by-step instruction manual and follow the instructions carefully. Such materials cost under $30.

Professional Help - $150 to $1800

If you prefer not to handle it yourself, you can find listings of local bankruptcy lawyers on this website, in the yellow pages and on online lawyer directories, such as the National Association of Consumer Bankruptcy Attorneys (NACBA).

In a few areas you may also find businesses run by non-lawyers, known as Bankruptcy Petition Preparers (BPPs), who can fill out your forms but not offer legal advice.

More Info

Chapter 6 of How to File for Chapter 7 Bankruptcy

Resources

Bankruptcy Forms :: Local Filing Requirements ::

Step-by-Step Instruction Books :: Bankruptcy Petition Preparers::| New YorkLawyers

$150 - $2,500*

* If you qualify for legal aid or have a legal plan through your union or employer, they will fill out the forms for you.

Getting Professional Legal Advice

As mentioned in the previous section, at some point in the bankruptcy process, you may decide to hire someone to help you. If you just want help with the mechanical task of completing the forms and do not need legal advice, you can hire a Bankruptcy Petition Preparer (BPP).

If you have questions about how to interpret a particular form, or want an opinion about how bankruptcy law, state exemption laws or federal tax laws apply to your particular situation, you may want to hire a bankruptcy lawyer, at least for an initial consultation.

A good bankruptcy lawyer should be able to advise you on strategies to maximize the economic benefit of your bankruptcy filing, and be familiar with the local practices of the court. On the other hand, if your bankruptcy is a simple matter of too much unsecured credit card debt, and all of your assets are exempt, you may not need all that much help to get through your bankruptcy.

When you go for credit counseling, ask your counselor whether your situation seems routine, and what risks you face in fling for bankruptcy -- in your particular case. They're prohibited by law from giving you advice about whether you should file, but you may be able to get a pretty good sense of whether your case is simple or unusual, and whether your situation is so dire that bankruptcy is your best remaining alternative.

More Info

Chapter 10 of How to File for Chapter 7 Bankruptcy

See also, this study of the effect on bankruptcy reform on attorneys fees which documents attorneys fees in every judicial district in the US.

 

Services Directory

| Bankruptcy Petition Preparers | New York Bankruptcy Lawyers |

$306*

* Low income households may qualify for fee waivers or reduced fees.

Filing Your Papers With the Bankruptcy Court

There are several fees to pay when you file for Chapter 7 bankruptcy:

  • $245 filing fee
  • $46 administrative fee
  • $15 trustee surcharge.
  • TOTAL $306

Chapter 13 is slightly less.

  • $235 filing fee
  • $46 administrative fee.
  • TOTAL $281

More Info

Chapters 6 and 7 of How to File for Chapter 7 Bankruptcy

Resources

| New York Southern District Bankruptcy Court | Fee Waiver Application |

| New York Bankruptcy Forms | Local Filing Requirements |

Other fees

Item

 Fee

Certification

$11.00

Exemplification

$21.00

Audio Recording

$30.00

Amended Bankruptcy Schedules

$30.00

Record Search

$30.00

Adversary Proceeding Fee

$293.00

Document Filing/Indexing

$46.00

Title 11 Administrative Fee

$46.00

Record Retrieval Fee

$53.00

Returned Check Fee

$53.00

Notice of Appeal fee

$293.00

Lift/Stay Fee

$176.00

$0

Meeting with Trustee and Creditors (341 Meeting)

Within 20 to 40 days after you file your papers, you'll have a "meeting" with the bankruptcy court trustee. It's not a meeting in the traditional sense. You show up at a certain time, with a bunch of other people who have their meeting that day, and sit and wait for your name to be called.

At this meeting the trustee can ask you questions about the information you put on on your forms. Creditors can ask questions and object to or challenge the applicability of exemptions you are claiming.

More Info

How to File for Chapter 7 Bankruptcy, Chapter 7: Handling Your Case in Court (Routine Bankruptcy Procedures, Amending Your Bankruptcy Papers, Filing a Change of Address, Special Problems)

Tampa, FL Bar Association video walks you through the filing process and including the 341 hearing. Now also includes versions of the video in Spanish and Creole.

Before he recenly passed away, Arizona attorney Joseph C. McDaniel made an excellent series of videos about the bankruptcy process including this one about what to expect at the 341 hearing. These videos are still available, as part of his "bankruptcy homework" series. Parts of it are specific to Arizona (like the exemption amount you'd get if the trustee sells your car free and clear).

Resources

New York Southern District Bankruptcy Court :: Courthouse Address & Map ::

:: Bankruptcy Forms :: Local Filing Requirements

$0-200

Filing Motions & Responding to Creditor Objections

Depending on your circumstances these are two things you may or may not need to do.

Filing Motions (Requests) With the Court

There may be some liens (creditors' claims against your property) that you can have removed by filing some extra paperwork after your original bankruptcy forms have been filed. (More information on this subject in Chapters 6 and 7 of How to File for Chapter 7 Bankruptcy)

Responding to Objections

Creditors or the trustee have 30 days after the 'close' of the creditors' meeting object to something on your forms. You may (but are not required to) respond before the court has a hearing on the matter. Depending on the objection you may need to hire some lawyer to properly respond to it.

Tip: If you are hiring an online service to prepare your bankruptcy papers, be sure to ask whether the standard fee includes filing motions for lien avoidance, or responding to the trustee's or a creditor's objection, or whether that costs extra.

More Info

Chapters 6 and 7 of How to File for Chapter 7 Bankruptcy

Resources

New York Southern District Bankruptcy Court :: Local Rules ::

New York Bankruptcy Lawyers

$50-75

Mandatory "Debtor Education" Debt Management Course

As if you don't have enough hoops to jump through already, when you've completed all the other parts of your bankruptcy, you still don't get that magic piece of paper called the "discharge" until you complete a course in debt management.

This is yet another requirement motivated by Congress's assumption that people who file for bankruptcy wouldn't be broke if they weren't so careless with their money. Chances are, you really are broke, so you should see if you qualify for free or reduced rates. The law says you're entitled to it. Demand it.

More Info

Chapter 7 of How to File for Chapter 7 Bankruptcy

Resources

| New York Southern District Bankruptcy Court |

| List of Court-Approved Providers |

   

$0
to $2,500

Total Cost to File Bankruptcy

The actual total cost of your bankruptcy will depend on:

1. Whether you qualify for a fee waiver.

2. Whether you are lucky enough to qualify for free legal aid services that happen to be available where you live.

3. Whether you handle the form preparation and filing yourself or pay someone to help you or do it for you.

4. How complicated your financial situation is -- for example, whether you're facing imminent foreclosure, whether your debts involve child support or back taxes, and whether you have valuable assets that are not fully protected by an exemption, such as a home.

The costs listed here do not include the value of any property you may need to give up in a Chapter 7 bankruptcy, or the amount you would have to pay over three to five years into a Chapter 13 plan. This is only the cost of going through the filing process.

More Info

How to File for Chapter 7 BankruptcyHow to File for Chapter 7 Bankruptcy (Elias, Renauer & Leonard :: Nolo, 2011)

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Where to Find These Resources

To simplify your search for the bankruptcy resources you need, whatever they might be, this website offers of a wide range of free information, tools, and links to useful bankruptcy products and services.

Free Bankruptcy Forms and other info from the New York Southern District Bankruptcy Court

Listings of required forms and links to free downloadable files all federal bankruptcy forms.

Other info from the New York Southern District Bankruptcy Court

Links to local rules and information from your court specifically designed for non-lawyers. Free downloadable files all federal bankruptcy forms.

Means Test Calculator

Based on Official Form 22A, this calculator will give you a sense of whether you qualify for bankruptcy based on the official formula stated in federal law (11 U.S.C. 707(b)). The calculator applies local expense standards published by the U.S. government.

New York Bankruptcy Laws (Property Exemptions)

When you fill out your bankruptcy forms, you are asked what property you claim as exempt -- and the citation for it. This page gives you those citations and exemptions in summary fashion.

Products

  • Books, including step-by-step instruction manuals for filling out bankruptcy forms.
  • Software for lawyers that help you fill in the forms, track filing dates, etc.

Professional Services

 

 

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Step 4. Get on With Your Life

How to File for bankruptcy Congress changed the bankruptcy laws to make it harder for people to file. I created this website to make it easier.

The "Bankruptcy Reform and Consumer Protection Act of 2005" (BAPCPA) is a bad law. Some lawyers and law professors have taken to calling it the "Bankruptcy Abuse Reform Fiasco" (BARF). It's based on false assumptions about why people get into financial trouble and imposes additional rules and paperwork on people already overwhelmed by bad luck and unpayable debt.

Despite these new obstacles, bankruptcy law still provides valuable benefits to those who need it. It helps you get on with your life. Indeed, "getting on with your life" is the whole point of bankruptcy -- to put your debts behind you and go forward with a "fresh start." This website helps you learn about the benefits of bankruptcy and how to obtain them. It lists relevant and affordable products and services that can help you file for bankruptcy with a minimum of expense and hassle.

Information is not advice. Although this website will give you a lot of information about bankruptcy law and procedure, it does not -- and cannot -- tell you, specifically, how this information applies to your exact situation. Nor can it advise you which course of action is right for you.

Likewise, the listings of bankruptcy products and services are not endorsements. They are intended to expose you to the full range of tools and services that can help you file for bankruptcy. Think of these listings as a phone book, not a referral. It is up to you to evaluate the quality of those products or services and make your own purchasing decisions. If there are third-party reviews of products or services, I attempt to quote or link to them.

Remember to bookmark this website if you have found it helpful so far. You won't find a more comprehensive collection of bankruptcy resources and information anywhere on the Web. Make it your starting point for your bankruptcy research. And tell your friends.

Best of luck to you as you traverse your financial troubles,

Albin Renauer

co-author of How to File for Chapter 7 Bankruptcy, (Elias, Renauer & Leonard :: Nolo, 2013)

 

 

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Other Bankruptcy Resources
For New York, New York
on LegalConsumer.com

Means Test Calculator for New York County, NY

Based on Official Form 22A, this calculator will give you a sense of whether you qualify for bankruptcy based on the official formula stated in federal law (11 U.S.C. 707(b)). The calculator applies local expense standards published by the U.S. government.

New York Bankruptcy Laws (Property Exemptions)

When you fill out your bankruptcy forms, you are asked what property you claim as exempt -- and the citation for it. This page gives you those citations and exemptions in summary fashion.

Free Bankruptcy Forms for the New York Southern District Bankruptcy Court

Listings of required forms and links to free downloadable files all federal bankruptcy forms.

New York Bankruptcy Attorneys for New York, NY

A variety of tools to find local lawyers, including yellow pages listings, and professional listings from other websites.

Bankruptcy Store:
Forms & Instructions on Bankruptcy, Debt Collection Laws & Credit Repair

Whether or not you decide to handle your bankruptcy yourself, you may find it comforting to buy a book on the subject to get the "lay of the land" before spending money on a lawyer.

Bankruptcy Software

Software to help lawyers prepare bankruptcy filings.

Podcasts about Debt, Credit and Bankruptcy

Learn about bankruptcy without having to read.

Bankruptcy Discussion Boards

Links to other websites that have discussion boards in which lawyers answer questions about bankruptcy.

Bankruptcy Blogs

Mostly for lawyers, blogs also may have items of interest to consumers. Blogs can be a good way to keep up with recent developments.

Bankruptcy News

Resources & links to news articles about recent developments and legislation.

 

ADVERTISEMENTS - LegalConsumer.com does not endorse or review advertised products or services.

Welcome, New York users of Nolo's
How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy
LegalConsumer.com helps you find local New York information and services to help you file for bankruptcy.

If you don't own the book, you can still use this site and the free New York County means test calculator.

Don't own a copy?

Learn more...

Albin Renauer, the operator of LegalConsumer.com and the Means Test Calculator, is also a coauthor of Nolo's How to File for Chapter 7 Bankruptcy.

How to File for Chapter 7 Bankruptcy provides clear, user-friendly information and all the forms you need to get through the entire bankruptcy process. The book and the local resources you'll find on LegalConsumer.com are a perfect combination. The book is designed to work with LegalConsumer.com's means test calculator and lists of New York exemption laws, which determine what property you'd get to keep in bankruptcy.

The book covers the entire process, and gives you the line-by-line instructions you need to fill out the required Chapter 7 bankruptcy forms. Meanwhile, this website gives you access to the latest local court information and county standards for the means test calculations that you must do to file a sucessful bankruptcy petition.

But first, use the book to find out whether you qualify for Chapter 7 -- and whether or not it's the best way to deal with your debts. It's important to learn what bankruptcy cannot do. You don't want to go to all the trouble of filing bankruptcy only to find out that the it won't help solve your particular problem or kind of debt. The book clearly explains what doesn't bankruptc yan and cannot do.

If you do decide Chapter 7 bankruptcy is the right option, you'll learn how you can use it to:

  • cancel as much debt as possible
  • stop wage garnishments and attachments
  • keep the maximum amount of property using New York exemption laws
  • deal with secured debts and liens on your property
  • keep your home and car, if possible.

If you think you want to file for bankruptcy but aren't sure you can afford to hire an attorney, How to File for Chapter 7 Bankruptcy will help you learn what it takes to complete your bankruptcy petition on your own and complete the bankruptcy process.

You'll also learn how to rebuild your credit rating after bankruptcy.

Note: How to File for Chapter 7 Bankruptcy doe s not cover business bankruptcies, farm reorganizations (Chapter 12) or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's  Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time.

"Clear instructions on when and how to fill out the necessary forms."
-Forbes

"Exceptionally clear…"
-The New York Times

"A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
-Newsweek

 

Inclluded Forms:

  • Current Monthly Income Worksheet
  • Personal Property Checklist
  • Property Exemption Worksheet
  • Homeowners’ Worksheet
  • Bankruptcy Forms Checklist
  • Bankruptcy Documents Checklist
  • Median Family Income Chart
  • Judicial Lien Worksheet
  • Amendment Cover Sheet
  • Notice of Change of Address
  • Supplemental Schedule for Property Acquired After Bankruptcy Discharge
  • Proof of Service by Mail
  • Pleading Paper 

How to File for Chapter 7 Bankruptcy

Press Reviews

"Exceptionally clear."
The New York Times
"How to File for Chapter 7 Bankruptcy advises on everything from how to file court papers to how to respond to threats from creditors.... A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
Newsweek
"An in-depth guide to filing under Chapter 7, including state-by-state and federal exemptions as well as forms for do-it-yourself filers."
Kiplinger’s Personal Finance Magazine
"Can help you decide if bankruptcy is the right option for you."
Detroit News
"A valuable, easy-to-understand workbook."
Los Angeles Times
"Includes clear instructions on when and how to fill out all the necessary forms, which assets you may legally keep, even advice on whether your case is complicated enough to make it worth your while to hire a lawyer."
Forbes
"The best [bankruptcy books] I know are published by Nolo."
Harry S. Gross, host of
“Speaking of Your Money”
"Covers all the recent changes to the bankruptcy law, and shows you how to get through the entire process with the least damage."
Accounting Today

Customer Review

"I bit the bullet, and purchased Nolo's How to File Chapter 7 Bankruptcy. I represented myself in court and I was granted a discharge of all debts five months later."
Danielle A.,
Richmond, VA

Buy & Download now: Nolo (publisher)

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Is bankruptcy right for you?

Total Bankruptcy can connect you with a bankruptcy attorney near you. Fill out the evaluation form or call (877) 257-9043.

 

The New Bankruptcy

The New Bankruptcy

Considering bankruptcy? Get the facts and find out how bankruptcy could work for you.

Bankruptcy laws have changed, and figuring out how to use them effectively is harder than ever. For plain-English guidance you can trust, turn to The New Bankruptcy. Get the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy is the right solution for your debt problems. Find out:

  • if you qualify for Chapter 7 bankruptcy
  • how Chapter 13 repayment plans work
  • which debts are wiped out
  • how bankruptcy affects homeowners
  • if you can keep cars and other property
  • how bankruptcy affects credit
  • alternative ways to handle debt problems

The 4th edition includes updated state and federal exemption tables, plus information on recent Supreme Court cases used to interpret 2005 bankruptcy changes. You'll also get worksheets to help you determine whether you can file for bankruptcy, including fully up-to-date exemption charts, helpful checklists, and easy-to-use legal charts for all 50 states.

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In Paperback and eBook (Adobe Reader)
Pub. Date: May 2011
Edition: 4th
Pages: 419 pp
ISBN: 9781413313918

Press Reviews

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
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Chapter 13 Bankruptcy:
Keep Your Property & Repay Your Debts Over Time
(11th edition, 2012)

Chapter 13 Bakruptcy Book
Are you behind on your mortgage, taxes or other bills? Are creditors threatening foreclosure or repossession? Consider Chapter 13 bankruptcy, which can give you an affordable repayment plan -- and let you keep your house, car and other property. Use this plain-English guide to decide whether or not it's right for you.

Nolo's Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law. First, you can:

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If you think Chapter 13 bankruptcy could work for you, you'll be ready to:

  • determine (with the book's forms and step-by-step instructions) whether you have enough income to come up with a repayment plan that the court will approve
  • calculate the amount of your monthly plan payment
  • find and work effectively with an excellent lawyer, and
  • rebuild your credit after bankruptcy.

This newest edition includes information on hiring and working with a lawyer, recent court rulings that interpret the federal bankruptcy laws. You'll also find the latest bankruptcy exemption laws in your state, which determine what copy you can keep, and recent IRS standard expense amounts, which affect Chapter 13 plan payments.

In Paperback and eBook (Adobe Reader)
Pub. Date: May 2012
Edition: 11th
Pages: 496 pp
ISBN: 9781413310696
Forms: 29 forms

List Price: 39.99
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Nolo (publisher)

 


Chapter 13 Bankruptcy: Repay Your Debts

Press Reviews

"In Nolo’s usual thorough fashion, here is a guide to an alternative to the typical Chapter 7 Bankruptcy."
Orange County Register
"An excellent book that can guide you through the [Chapter 13] process."
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Reference & Research Book News

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  1. Accord - 562
  2. ACRA - 454
  3. Adams - 5,143
  4. Adams Center - 1,568
  5. Addison - 2,595
  6. ADIRONDACK - 285
  7. Afton - 2,851
  8. Airmont - 8,628
  9. Akron - 2,868
  10. Alabama - 1,869
  11. Albany - 97,856
  12. Albertson - 5,182
  13. Albion - 8,468
  14. Alden - 10,865
  15. ALDER CREEK - 219
  16. Alexander - 2,534
  17. Alexandria - 4,061
  18. Alexandria Bay - 1,078
  19. Alfred - 5,237
  1. ALFRED STATION - 1,241
  2. Allegany - 8,004
  3. Alma - 842
  4. Almond - 1,633
  5. ALPINE - 1,207
  6. ALPLAUS - 431
  7. Altamont - 1,720
  8. Altmar - 407
  9. Altona - 2,887
  10. Amagansett - 1,165
  11. AMAWALK - 843
  12. Amenia - 4,436
  13. Ames - 145
  14. Amherst - 122,366
  15. Amityville - 9,523
  16. Amsterdam - 18,620
  17. Ancram - 1,573
  18. ANCRAMDALE - 830
  1. Andes - 1,301
  2. Andover - 1,830
  3. Angelica - 1,403
  4. Angola - 2,127
  5. Annsville - 3,012
  6. Antwerp - 1,846
  7. Apalachin - 1,131
  8. APPLETON - 1,489
  9. Aquebogue - 2,438
  10. Arcade - 4,205
  11. Ardsley - 4,452
  12. ARDSLEY ON HUDSON - 115
  13. Argyle - 3,782
  14. Arietta - 304
  15. Arkport - 844
  16. ARKVILLE - 892
  17. Arlington - 4,061
  18. Armonk - 4,330
  1. Asharoken - 654
  2. Ashland - 1,695
  3. Ashville - 3,961
  4. Athens - 4,089
  5. ATHOL - 643
  6. ATLANTA - 595
  7. Atlantic Beach - 1,891
  8. Attica - 7,702
  9. Au Sable Forks - 559
  10. Auburn - 27,687
  11. Augusta - 2,020
  12. Aurelius - 2,792
  13. Aurora - 13,782
  14. Austerlitz - 1,654
  15. Ava - 676
  16. Averill Park - 1,693
  17. Avoca - 2,264
  18. Avon - 7,164
  1. Babylon - 213,603
  2. Bainbridge - 3,308
  3. Baiting Hollow - 1,642
  4. Baldwin - 24,033
  5. Baldwin Harbor - 8,102
  6. Baldwinsville - 7,378
  7. Ballston - 9,776
  8. BALLSTON LAKE - 13,320
  9. Ballston Spa - 5,409
  10. Balmville - 3,178
  11. Bangor - 2,224
  12. Bardonia - 4,108
  13. Barker - 2,732
  14. Barneveld - 284
  15. Barnum Island - 2,414
  16. BARRYTOWN - 108
  17. BARRYVILLE - 1,012
  18. Barton - 8,858
  19. BASOM - 1,822
  20. Batavia - 15,465
  21. Bath - 12,379
  22. Baxter Estates - 999
  23. Bay Shore - 26,337
  24. Bayport - 8,896
  25. Bayville - 6,669
  26. BEACH HAMPTON - 1,167
  27. Beacon - 15,541
  28. BEARSVILLE - 464
  29. BEAVER DAMS - 3,932
  30. BEAVER RIVER - 8,435
  1. Bedford - 17,335
  2. BEDFORD HILLS - 3,001
  3. Beekmantown - 5,545
  4. BELFAST - 1,663
  5. Belle Terre - 792
  6. Bellerose - 1,193
  7. Bellerose Terrace - 2,198
  8. Bellmore - 16,218
  9. BELLONA - 62
  10. Bellport - 2,084
  11. Belmont - 969
  12. Bemus Point - 364
  13. Bergen - 3,120
  14. Berkshire - 1,412
  15. Berlin - 1,880
  16. Berne - 2,794
  17. BERNHARDS BAY - 1,380
  18. Bethel - 4,255
  19. Bethlehem - 33,656
  20. Bethpage - 16,429
  21. Big Flats - 7,731
  22. BIG INDIAN - 820
  23. Binghamton - 47,376
  24. Black Creek - 345
  25. Black River - 1,348
  26. Blasdell - 2,553
  27. Blauvelt - 5,689
  28. Bleecker - 533
  29. BLISS - 527
  30. Bloomfield - 1,361
  1. Bridgehampton - 1,756
  2. Bridgeport - 1,490
  3. Bridgewater - 1,522
  4. BRIER HILL - 289
  5. Brighton - 36,609
  6. Brightwaters - 3,103
  7. Broadalbin - 5,260
  8. Brockport - 8,366
  9. Brocton - 1,486
  10. Bronx - 1,385,108
  11. Bronxville - 6,323
  12. Brookfield - 2,545
  13. Brookhaven - 486,040
  14. Brooklyn - 2,504,700
  15. BROOKTONDALE - 2,282
  16. Brookville - 3,465
  17. Brownville - 6,263
  18. Brunswick - 11,941
  19. Brushton - 474
  20. Brutus - 4,464
  21. Buchanan - 2,230
  22. Buffalo - 261,310
  23. Burdett - 340
  24. Burke - 1,465
  25. Burlington - 1,140
  26. BURLINGTON FLATS - 1,397
  27. BURNT HILLS - 13,320
  28. Butternuts - 1,786
  29. Byron - 2,369
  1. CADYVILLE - 2,781
  2. Cairo - 6,670
  3. Calcium - 3,491
  4. Caledonia - 4,255
  5. Callicoon - 3,057
  6. CALLICOON CENTER - 296
  7. Calverton - 6,510
  8. Cambridge - 2,021
  9. Camden - 4,934
  10. Cameron - 945
  11. CAMERON MILLS - 755
  12. Camillus - 24,167
  13. CAMPBELL - 3,406
  14. CAMPBELL HALL - 4,070
  15. Canaan - 1,710
  16. Canajoharie - 3,730
  17. Canandaigua - 10,545
  18. Canaseraga - 550
  19. Canastota - 4,804
  20. Candor - 5,305
  21. Caneadea - 2,542
  22. Canisteo - 3,391
  23. Canton - 10,995
  24. Cape Vincent - 2,777
  25. Carle Place - 4,981
  26. Carlisle - 1,948
  27. Carmel - 34,305
  28. Caroga - 1,205
  29. CAROGA LAKE - 518
  30. Carthage - 3,747
  31. Cassadaga - 634
  32. CASSVILLE - 1,429
  33. Castile - 2,906
  34. CASTLE CREEK - 1,202
  35. CASTLETON ON HUDSON - 8,188
  36. Castleton-on-Hudson - 1,473
  37. Castorland - 351
  38. Cato - 2,537
  39. Catskill - 11,775
  40. Cattaraugus - 1,002
  41. Cayuga - 549
  42. Cayuta - 556
  43. Cazenovia - 7,086
  1. Cedarhurst - 6,592
  2. Celoron - 1,112
  3. Center Moriches - 7,580
  4. Centereach - 31,578
  5. Centerport - 5,508
  6. CENTRAL BRIDGE - 593
  7. Central Islip - 34,450
  8. Central Square - 1,848
  9. Central Valley - 1,857
  10. Centre Island - 410
  11. Ceres - 102
  12. CHADWICKS - 1,506
  13. CHAFFEE - 1,617
  14. Champion - 4,494
  15. Champlain - 5,754
  16. Chappaqua - 1,436
  17. CHARLOTTEVILLE - 265
  18. Charlton - 4,133
  19. CHASE MILLS - 699
  20. Chateaugay - 2,155
  21. Chatham - 4,128
  22. Chaumont - 624
  23. CHAZY - 4,284
  24. Cheektowaga - 88,226
  25. Chemung - 2,563
  26. CHENANGO FORKS - 2,203
  27. Cherry Creek - 1,118
  28. CHERRY GROVE - 15,897
  29. Cherry Valley - 1,223
  30. Chester - 11,981
  31. CHESTERTOWN - 677
  32. Chestnut Ridge - 7,916
  33. CHICHESTER - 87
  34. CHILDWOLD - 58
  35. Chittenango - 5,081
  36. Churchville - 1,961
  37. CHURUBUSCO - 657
  38. Cicero - 31,632
  39. Cincinnatus - 1,056
  40. CIRCLEVILLE - 562
  41. Clare - 105
  42. Clarence - 30,673
  43. Clarence Center - 2,257
  1. Clark Mills - 1,905
  2. Clarkstown - 84,187
  3. Clarksville - 1,161
  4. CLARYVILLE - 260
  5. Claverack - 6,021
  6. Claverack-Red Mills - 913
  7. Clay - 58,206
  8. Clayton - 5,153
  9. Clayville - 350
  10. CLEMONS - 364
  11. Clermont - 1,965
  12. Cleveland - 750
  13. Clifton - 751
  14. Clifton Park - 36,705
  15. Clifton Springs - 2,127
  16. CLIMAX - 812
  17. Clinton - 1,942
  18. CLINTON CORNERS - 2,854
  19. Clintondale - 1,452
  20. Clyde - 2,093
  21. Clymer - 1,698
  22. Cobleskill - 6,625
  23. Cochecton - 1,372
  24. COCHECTON CENTER - 23
  25. Coeymans - 7,418
  26. COEYMANS HOLLOW - 934
  27. Cohocton - 2,561
  28. Cohoes - 16,168
  29. Colchester - 2,077
  30. Cold Brook - 329
  31. Cold Spring - 2,013
  32. Cold Spring Harbor - 5,070
  33. Colden - 3,265
  34. Colesville - 5,232
  35. Collins - 6,601
  36. Colonie - 81,591
  37. COLTON - 1,451
  38. Columbia - 1,580
  39. Columbus - 975
  40. Commack - 36,124
  41. COMSTOCK - 3,219
  42. Conesus - 2,473
  1. CONEWANGO VALLEY - 2,144
  2. Congers - 8,363
  3. Conklin - 5,441
  4. Conquest - 1,819
  5. Constable - 1,566
  6. Constableville - 242
  7. Constantia - 4,973
  8. Cooperstown - 1,852
  9. Copake - 3,615
  10. COPAKE FALLS - 317
  11. Copenhagen - 801
  12. Copiague - 22,993
  13. Coram - 39,113
  14. Corfu - 709
  15. Corinth - 6,531
  16. CORNEIL ESTATES - 190
  17. Corning - 11,183
  18. Cornwall - 12,646
  19. Cornwall on Hudson - 3,058
  20. CORNWALLVILLE - 612
  21. Cortland - 19,204
  22. Cortlandville - 8,509
  23. COSSAYUNA - 190
  24. COTTEKILL - 315
  25. Cove Neck - 286
  26. Coventry - 1,655
  27. Coxsackie - 8,918
  28. Cragsmoor - 449
  29. CRANBERRY LAKE - 200
  30. CRARYVILLE - 1,499
  31. Croghan - 3,093
  32. Crompond - 2,292
  33. CROPSEYVILLE - 1,000
  34. CROSS RIVER - 1,552
  35. CROTON FALLS - 156
  36. Croton On Hudson - 12,810
  37. Crown Point - 2,024
  38. Crugers - 1,534
  39. Cuba - 3,243
  40. CUDDEBACKVILLE - 1,302
  41. Cutchogue - 3,349
  42. Cuyler - 980
  1. DALE - 117
  2. DALTON - 362
  3. Dannemora - 4,898
  4. Dansville - 4,719
  5. DARIEN CENTER - 2,331
  6. Davenport - 2,965
  7. Day - 856
  8. DE KALB JUNCTION - 1,402
  9. De Peyster - 998
  10. DE RUYTER - 1,631
  11. De Witt - 25,838
  12. DEANSBORO - 1,266
  1. Decatur - 353
  2. Deer Park - 27,745
  3. Deerfield - 4,273
  4. Deerpark - 7,901
  5. Deferiet - 294
  6. Delanson - 377
  7. Delevan - 1,089
  8. Delhi - 5,117
  9. Delmar - 8,292
  10. DENVER - 777
  11. Depauville - 577
  12. Depew - 15,303
  1. Deposit - 1,712
  2. DERBY - 6,833
  3. DeRuyter - 1,589
  4. DEWITTVILLE - 1,071
  5. Dexter - 1,052
  6. DIAMOND POINT - 735
  7. Diana - 1,709
  8. Dickinson - 5,278
  9. DICKINSON CENTER - 571
  10. Dix Hills - 26,892
  11. Dobbs Ferry - 10,875
  1. Dolgeville - 2,206
  2. Dover Plains - 1,323
  3. DOWNSVILLE - 617
  4. Dresden - 652
  5. Dryden - 14,435
  6. Duane - 174
  7. Duanesburg - 6,122
  8. Dundee - 1,725
  9. Dunkirk - 12,563
  10. Durham - 2,725
  11. DURHAMVILLE - 584
  1. East Williston - 2,556
  2. EAST WORCESTER - 480
  3. Eastchester - 32,363
  4. Easton - 2,336
  5. Eastport - 1,831
  6. Eaton - 5,255
  7. Eatons Neck - 1,406
  8. Eden - 7,688
  9. Edinburg - 1,214
  10. EDMESTON - 1,826
  11. Edwards - 1,156
  12. EGGERTSVILLE - 15,019
  13. Elba - 2,370
  14. Elbridge - 5,922
  15. ELDRED - 900
  16. ELIZABETHTOWN - 1,163
  17. ELIZAVILLE - 1,976
  18. ELKA PARK - 381
  19. ELLENBURG CENTER - 1,126
  20. ELLENBURG DEPOT - 5,494
  1. Ellenville - 4,135
  2. Ellicottville - 1,598
  3. Ellisburg - 3,474
  4. Elma - 11,317
  5. Elmira - 29,200
  6. Elmira Heights - 4,097
  7. Elmont - 33,198
  8. Elmsford - 4,664
  9. Elwood - 11,177
  10. Endicott - 13,392
  11. Endwell - 11,446
  12. Ephratah - 1,682
  13. ERIEVILLE - 930
  14. ERIN - 1,962
  15. Esopus - 9,041
  16. Esperance - 2,076
  17. Essex - 671
  18. ETNA - 131
  19. Evans Mills - 621
  20. Exeter - 987
  1. Fabius - 1,964
  2. Fair Haven - 745
  3. Fairfield - 1,627
  4. Fairport - 5,353
  5. Falconer - 2,420
  6. Fallsburg - 12,870
  7. Far Rockaway - 56,184
  8. Farmersville - 1,090
  9. FARMERSVILLE STATION - 441
  10. Farmingdale - 8,189
  11. Farmington - 11,825
  12. Farmingville - 15,481
  13. Farnham - 382
  14. Fayetteville - 4,373
  15. FELTS MILLS - 372
  16. Fenner - 1,726
  17. Fenton - 6,674
  18. FERNDALE - 837
  1. FEURA BUSH - 1,854
  2. FILLMORE - 603
  3. FINDLEY LAKE - 289
  4. Fine - 1,512
  5. FINEVIEW - 326
  6. Fire Island - 292
  7. FIRE ISLAND PINES - 15,897
  8. Fishers Island - 236
  9. Fishkill - 22,107
  10. FISHS EDDY - 286
  11. Flanders - 4,472
  12. Fleischmanns - 351
  13. Fleming - 2,636
  14. Floral Park - 15,863
  15. Florence - 1,025
  16. Florida - 2,833
  17. Floyd - 3,819
  1. Flushing - 176,026
  2. FLY CREEK - 868
  3. Fonda - 795
  4. Forestburgh - 819
  5. Forestport - 1,535
  6. Forestville - 697
  7. Fort Ann - 6,190
  8. Fort Covington - 1,676
  9. Fort Drum - 12,955
  10. Fort Edward - 6,371
  11. Fort Johnson - 490
  12. Fort Montgomery - 1,571
  13. Fort Plain - 2,322
  14. Fort Salonga - 10,008
  15. Fowler - 2,202
  16. Frankfort - 7,636
  17. Franklin - 2,411
  1. FRANKLIN SPRINGS - 54
  2. Franklin Square - 29,320
  3. Franklinville - 2,990
  4. Fredonia - 11,230
  5. Freedom - 2,405
  6. FREEHOLD - 1,463
  7. Freeport - 42,860
  8. Freetown - 757
  9. Freeville - 520
  10. Fremont - 1,008
  11. FREMONT CENTER - 152
  12. Frewsburg - 1,906
  13. Friendship - 2,004
  14. FRONTENAC - 5,810
  15. Fulton - 11,896
  16. FULTONHAM - 279
  17. Fultonville - 784
  1. Gainesville - 2,182
  2. Galeville - 4,617
  3. Gallatin - 1,668
  4. Galway - 3,545
  5. GANSEVOORT - 14,204
  6. Garden City - 22,371
  7. Garden City Park - 7,806
  8. Garden City South - 4,024
  9. Gardiner - 5,713
  10. Garnerville - 8,732
  11. GARRATTSVILLE - 232
  12. GARRISON - 4,232
  13. Gasport - 1,248
  14. Geddes - 17,118
  15. Geneseo - 10,483
  16. Geneva - 13,261
  17. Genoa - 1,935
  18. Georgetown - 974
  19. German Flatts - 13,258
  20. Germantown - 1,954
  1. Gerry - 1,905
  2. GETZVILLE - 10,027
  3. Ghent - 5,402
  4. Gilbertsville - 399
  5. Gilboa - 1,307
  6. Glasco - 2,099
  7. GLEN AUBREY - 485
  8. Glen Cove - 26,964
  9. Glen Head - 4,697
  10. Glen Oaks - 14,016
  11. Glen Park - 502
  12. GLEN SPEY - 1,500
  13. GLEN WILD - 320
  14. GLENFIELD - 689
  15. GLENFORD - 404
  16. GLENMONT - 5,719
  17. Glens Falls - 14,700
  18. Glenville - 29,480
  19. GLENWOOD - 785
  1. Glenwood Landing - 3,779
  2. Gloversville - 15,665
  3. GOLDENS BRIDGE - 1,652
  4. Gordon Heights - 4,042
  5. Goshen - 13,687
  6. Gouverneur - 7,085
  7. Gowanda - 2,709
  8. GRAHAMSVILLE - 2,088
  9. Granby - 6,821
  10. GRAND GORGE - 663
  11. Grand Island - 20,374
  12. GRANITE SPRINGS - 1,097
  13. Granville - 6,669
  14. Great Bend - 843
  15. Great Neck - 9,989
  16. Great Neck Estates - 2,761
  17. Great River - 1,489
  18. Great Valley - 1,974
  19. Greece - 96,095
  1. Green Island - 2,620
  2. Greenburgh - 88,400
  3. Greene - 5,604
  4. Greenfield - 7,775
  5. GREENFIELD CENTER - 4,492
  6. GREENFIELD PARK - 261
  7. Greenlawn - 13,742
  8. Greenport - 4,165
  9. Greenvale - 1,094
  10. Greenville - 3,739
  11. Greenville - 3,739
  12. Greenwich - 4,942
  13. Greenwood - 801
  14. Greenwood Lake - 3,154
  15. GRENELL - 5,810
  16. Groton - 5,950
  17. Groveland - 3,249
  18. Guilderland - 35,303
  19. GUILFORD - 2,922
  1. HADLEY - 2,048
  2. Hagaman - 1,292
  3. Hague - 699
  4. Halesite - 2,498
  5. Halfmoon - 21,535
  6. Hamburg - 56,936
  7. Hamden - 1,323
  8. Hamilton - 6,690
  9. HAMLIN - 9,045
  10. Hammond - 1,191
  11. Hammondsport - 661
  12. Hampton - 938
  13. Hampton Bays - 13,603
  14. Hancock - 3,224
  15. HANKINS - 252
  16. HANNACROIX - 504
  17. Hannibal - 4,854
  18. Harbor Hills - 575
  19. Harbor Isle - 1,301
  20. Harpersfield - 1,577
  21. HARPURSVILLE - 3,642
  22. Harrietstown - 5,709
  23. Harriman - 2,424
  24. HARRIS - 132
  25. Harrisburg - 437
  26. Harrison - 27,472
  1. Harrisville - 628
  2. Hartford - 2,269
  3. Hartsdale - 5,293
  4. HARTWICK - 2,110
  5. Hastings - 9,450
  6. Hastings On Hudson - 8,679
  7. Hastings-on-Hudson - 7,849
  8. Hauppauge - 20,882
  9. Haverstraw - 36,634
  10. Hawthorne - 4,586
  11. Head of the Harbor - 1,472
  12. Hebron - 1,853
  13. Hector - 4,940
  14. HEMLOCK - 557
  15. Hempstead - 759,757
  16. HENDERSON - 1,360
  17. Henrietta - 42,581
  18. HENSONVILLE - 107
  19. Herkimer - 10,175
  20. Hermon - 1,108
  21. Herricks - 4,295
  22. Herrings - 90
  23. Heuvelton - 714
  24. Hewlett - 6,819
  25. Hewlett Bay Park - 404
  26. Hewlett Harbor - 1,263
  1. Hewlett Neck - 445
  2. Hicksville - 41,547
  3. High Falls - 627
  4. Highland - 5,647
  5. Highland Falls - 3,900
  6. HIGHLAND LAKE - 303
  7. Highland Mills - 3,468
  8. HILER - 24,094
  9. Hillburn - 951
  10. Hillsdale - 1,927
  11. Hillside - 877
  12. Hilton - 5,886
  13. HIMROD - 909
  14. Hinsdale - 2,168
  15. Hobart - 441
  16. Hoffmeister - 86
  17. HOGANSBURG - 2,558
  18. Holbrook - 27,195
  19. Holland - 3,401
  20. Holland Patent - 458
  21. Holley - 1,811
  22. HOLMES - 3,051
  23. Holtsville - 19,714
  24. Homer - 6,405
  25. HONEOYE - 579
  1. Honeoye Falls - 2,674
  2. Hoosick Falls - 3,501
  3. Hopewell - 3,747
  4. Hopewell Junction - 376
  5. Hopkinton - 1,077
  6. Horicon - 1,389
  7. Hornell - 8,563
  8. Horseheads - 19,485
  9. Houghton - 1,693
  10. Hounsfield - 3,466
  11. HOWES CAVE - 861
  12. HUBBARDSVILLE - 692
  13. Hudson - 6,713
  14. Hudson Falls - 7,281
  15. HUGUENOT - 1,144
  16. HULETTS LANDING - 87
  17. Humphrey - 687
  18. Hunt - 78
  19. Hunter - 2,732
  20. Huntington - 203,264
  21. Huntington Bay - 1,425
  22. Huntington Station - 33,029
  23. Hurley - 6,314
  24. HURLEYVILLE - 1,939
  25. Hyde Park - 21,571
  1. Ilion - 8,053
  2. Indian Lake - 1,352
  3. Inlet - 333
  4. Interlaken - 602
  1. Inwood - 9,792
  2. INWOOD FINANCE - 7,975
  3. IONIA - 223
  4. Irondequoit - 51,692
  1. IRVING - 3,418
  2. Irvington - 6,420
  3. Ischua - 859
  4. Island Park - 4,655
  1. Islandia - 3,335
  2. Islip - 18,689
  3. Islip Terrace - 5,389
  4. Ithaca - 30,014
  1. Jamaica - 216,866
  2. Jamesport - 1,710
  3. Jamestown - 31,146
  4. JAMESVILLE - 8,625
  5. Jasper - 1,424
  6. JAVA CENTER - 428
  1. Jeffersonville - 359
  2. Jericho - 13,567
  3. Jewett - 953
  4. Johnsburg - 2,395
  5. Johnson City - 15,174
  1. JOHNSONVILLE - 2,163
  2. Johnstown - 8,743
  3. Jordan - 1,368
  4. JORDANVILLE - 724
  5. Junius - 1,471
  1. KATONAH - 1,679
  2. KATTSKILL BAY - 269
  3. KAUNEONGA LAKE - 251
  4. Keene - 1,105
  5. KEENE VALLEY - 391
  6. Keeseville - 1,815
  7. Kendall - 2,724
  1. Kenmore - 15,423
  2. KENNEDY - 465
  3. Kensington - 1,161
  4. Kent - 13,507
  5. Kerhonkson - 1,684
  6. KEUKA PARK - 1,137
  1. KIAMESHA LAKE - 387
  2. KILL BUCK - 660
  3. Kinderhook - 8,498
  4. KING FERRY - 1,189
  5. Kings Park - 17,282
  6. Kings Point - 5,005
  1. Kingsbury - 12,671
  2. Kingston - 23,893
  3. Kirkland - 10,315
  4. KIRKVILLE - 5,012
  5. Kirkwood - 5,857
  6. Kortright - 1,675
  1. LAKEMONT - 9
  2. Lakeview - 5,615
  3. LAKEVILLE - 756
  4. Lakewood - 3,002
  5. Lancaster - 41,604
  6. LANESVILLE - 430
  7. Lansing - 11,033
  8. Lapeer - 767
  9. Larchmont - 5,864
  10. Latham - 21,908
  11. Lattingtown - 1,739
  12. Laurel - 1,394
  13. Laurel Hollow - 1,952
  14. Laurens - 2,424
  15. Lawrence - 6,483
  16. LAWTONS - 1,135
  17. Le Ray - 21,782
  18. Le Roy - 7,641
  19. Lebanon - 1,332
  20. Ledyard - 1,886
  21. Lee - 6,486
  22. LEE CENTER - 2,397
  23. Leeds - 377
  1. Leicester - 2,200
  2. Levittown - 51,881
  3. Lewis - 1,382
  4. Lewisboro - 12,411
  5. Lewiston - 16,262
  6. Leyden - 1,785
  7. Liberty - 9,885
  8. Lido Beach - 2,897
  9. Lima - 4,305
  10. Limestone - 389
  11. Lincklaen - 396
  12. Lincolndale - 1,521
  13. Lindenhurst - 27,253
  14. Lindley - 1,967
  15. Lisbon - 4,102
  16. Lisle - 2,751
  17. Little Falls - 4,946
  18. LITTLE GENESEE - 545
  19. Little Valley - 1,740
  20. Liverpool - 2,347
  21. Livingston Manor - 1,221
  22. Livonia - 7,809
  23. Lloyd Harbor - 3,660
  1. LOCH SHELDRAKE - 1,683
  2. Locke - 1,951
  3. Lockport - 21,165
  4. LOCKWOOD - 1,137
  5. Locust Valley - 3,406
  6. Lodi - 1,550
  7. LOEHMANNS PLAZA - 22,387
  8. Long Beach - 33,275
  9. LONG EDDY - 729
  10. Long Island City - 29,715
  11. LONG LAKE - 711
  12. LORRAINE - 1,037
  13. Loudonville - 11,303
  14. LOWMAN - 1,459
  15. Lowville - 4,982
  16. Lynbrook - 19,427
  17. Lyncourt - 4,250
  18. Lyndonville - 838
  19. Lyon Mountain - 423
  20. Lyons - 5,682
  21. Lyons Falls - 566
  22. Lyonsdale - 1,227
  23. Lysander - 21,759
  1. Macedon - 9,148
  2. MACHIAS - 2,375
  3. Macomb - 906
  4. Madison - 3,008
  5. MADRID - 1,735
  6. Mahopac - 8,369
  7. Maine - 5,377
  8. Malden - 413
  9. MALDEN BRIDGE - 242
  10. Malone - 14,545
  11. Malta - 14,765
  12. Malverne - 8,514
  13. Mamaroneck - 29,156
  14. Manchester - 9,395
  15. Manhasset - 8,080
  16. Manhasset Hills - 3,592
  17. Manhattan - 1,585,873
  18. Manheim - 3,334
  19. Manlius - 32,370
  20. Mannsville - 354
  21. Manorhaven - 6,556
  22. Manorville - 14,314
  23. MAPLECREST - 552
  24. Marathon - 1,967
  25. Marcellus - 6,210
  26. Marcy - 8,982
  27. Margaretville - 596
  28. MARIETTA - 2,472
  29. Marilla - 5,327
  30. MARION - 4,746
  31. Marlboro - 3,669
  32. Marlborough - 8,808
  1. MARTVILLE - 1,748
  2. Maryland - 1,897
  3. Masonville - 1,320
  4. Massapequa - 21,685
  5. Massapequa Park - 17,008
  6. MASSAWEPIE - 6,507
  7. Massena - 12,883
  8. Mastic - 15,481
  9. Mastic Beach - 12,930
  10. Matinecock - 810
  11. Mattituck - 4,219
  12. Mattydale - 6,446
  13. Maybrook - 2,958
  14. Mayfield - 6,495
  15. Mayville - 1,711
  16. MC DONOUGH - 1,333
  17. MC GRAW - 2,309
  18. McDonough - 886
  19. McGraw - 1,053
  20. Mechanicville - 5,196
  21. Medford - 24,142
  22. Medina - 6,065
  23. Medusa - 376
  24. MELROSE - 1,806
  25. Melville - 18,985
  26. MEMPHIS - 1,922
  27. Menands - 3,990
  28. Mendon - 9,152
  29. Meredith - 1,529
  30. Meridian - 309
  31. Merrick - 22,097
  32. Mexico - 5,197
  1. MIDDLE GRANVILLE - 445
  2. MIDDLE GROVE - 2,242
  3. Middle Island - 10,483
  4. Middleburgh - 3,746
  5. Middleport - 1,840
  6. Middlesex - 1,495
  7. Middletown - 28,086
  8. Middleville - 512
  9. Milan - 2,370
  10. Milford - 3,044
  11. Mill Neck - 997
  12. Millbrook - 1,452
  13. Miller Place - 12,339
  14. Millerton - 958
  15. Millport - 312
  16. MILLWOOD - 1,224
  17. Milton - 18,575
  18. Milton - 18,575
  19. Minden - 4,297
  20. Mineola - 18,799
  21. Minerva - 809
  22. Minetto - 1,659
  23. MINEVILLE - 1,269
  24. Mineville-Witherbee - 1,747
  25. Minoa - 3,449
  26. MODENA - 1,528
  27. Mohawk - 3,844
  28. Mohegan Lake - 7,647
  29. Moira - 2,934
  30. MONGAUP VALLEY - 342
  31. Monroe - 39,912
  32. Monsey - 18,412
  1. Montague - 78
  2. Montauk - 3,326
  3. Montebello - 4,526
  4. Montgomery - 22,606
  5. Monticello - 6,726
  6. Montour Falls - 1,711
  7. MONTROSE - 2,731
  8. Mooers - 3,592
  9. MOOERS FORKS - 1,467
  10. Moravia - 3,626
  11. Morehouse - 86
  12. Moriah - 4,798
  13. MORIAH CENTER - 171
  14. Moriches - 2,838
  15. Morris - 1,878
  16. Morrisonville - 1,545
  17. Morristown - 1,974
  18. Morrisville - 2,199
  19. Mount Ivy - 6,878
  20. Mount Kisco - 10,877
  21. MOUNT MARION - 653
  22. Mount Morris - 4,465
  23. Mount Sinai - 12,118
  24. MOUNT TREMPER - 1,123
  25. MOUNT UPTON - 1,372
  26. Mount Vernon - 67,292
  27. MOUNT VISION - 1,296
  28. MOUNTAIN DALE - 766
  29. Munnsville - 474
  30. Munsons Corners - 2,728
  31. MURRAY ISLE - 5,810
  32. Muttontown - 3,497
  1. Nanuet - 17,882
  2. Napanoch - 1,174
  3. Naples - 2,502
  4. Narrowsburg - 431
  5. Nassau - 4,789
  6. Natural Bridge - 365
  7. Nedrow - 2,244
  8. Nelliston - 596
  9. Nelson - 1,980
  10. Nelsonville - 628
  11. Nesconset - 13,387
  12. Neversink - 3,557
  13. New Berlin - 2,682
  14. New Cassel - 14,059
  15. New City - 33,559
  16. NEW HAMPTON - 2,967
  17. New Hartford - 22,166
  18. New Hempstead - 5,132
  19. New Hyde Park - 9,712
  20. NEW KINGSTON - 354
  21. New Lebanon - 2,305
  22. New Paltz - 14,003
  1. New Rochelle - 77,062
  2. NEW RUSSIA - 142
  3. New Square - 6,944
  4. New Suffolk - 349
  5. New Windsor - 25,244
  6. NEW WOODSTOCK - 1,209
  7. New York - 8,175,133
  8. New York Mills - 3,327
  9. Newark - 9,145
  10. Newark Valley - 3,946
  11. Newburgh - 28,866
  12. Newcomb - 436
  13. Newfane - 9,666
  14. Newfield - 5,179
  15. Newport - 2,302
  16. Newstead - 8,594
  17. Newtonville - 21,908
  18. Niagara Falls - 50,193
  19. Nichols - 2,525
  20. NICHOLVILLE - 489
  21. Niles - 1,194
  22. NINEVEH - 916
  1. OAK HILL - 376
  2. Oakdale - 7,974
  3. Oakfield - 3,250
  4. OCEAN BAY PARK - 190
  5. Ocean Beach - 79
  6. Oceanside - 32,109
  7. Odessa - 591
  8. Ogdensburg - 11,128
  9. Ohio - 1,002
  10. Olcott - 1,241
  11. Old Bethpage - 5,523
  12. Old Brookville - 2,134
  1. OLD CHATHAM - 875
  2. Old Field - 918
  3. OLD FORGE - 756
  4. Old Westbury - 4,671
  5. Olean - 14,452
  6. Olive - 4,419
  7. OLIVEBRIDGE - 1,781
  8. OLMSTEDVILLE - 502
  9. Oneida - 11,393
  10. Oneida Castle - 625
  11. Oneonta - 13,901
  12. Onondaga Nation - 468
  1. ONTARIO - 10,136
  2. Oppenheim - 1,924
  3. Orangeburg - 4,568
  4. Orchard Park - 29,054
  5. Orient - 743
  6. Oriskany - 1,400
  7. Oriskany Falls - 732
  8. Osceola - 229
  9. Ossining - 37,674
  10. Oswegatchie - 4,397
  11. Oswego - 18,142
  12. Otego - 3,115
  1. Otisco - 2,541
  2. Otisville - 1,068
  3. Otsego - 3,900
  4. Otselic - 1,054
  5. Ovid - 2,311
  6. Owasco - 3,793
  7. Owego - 19,883
  8. OWLS HEAD - 554
  9. OXBOW - 108
  10. Oxford - 3,901
  11. Oyster Bay - 293,214
  12. Oyster Bay Cove - 2,197
  1. PADDY HILL - 1,027
  2. Painted Post - 1,809
  3. Palatine Bridge - 737
  4. Palenville - 1,037
  5. Palermo - 3,664
  6. PALISADES - 1,282
  7. Palmyra - 7,975
  8. Pamelia - 3,160
  9. Panama - 479
  10. PANORAMA - 10,792
  11. PARADOX - 48
  12. Paris - 4,411
  13. Parish - 2,558
  14. PARISHVILLE - 2,153
  15. PARKSVILLE - 1,030
  16. Patchogue - 11,798
  17. Patterson - 12,023
  18. PATTERSONVILLE - 1,544
  19. Pattersonville-Rotterdam Junction - 918
  20. PAUL SMITHS - 671
  21. PAVILION - 2,495
  22. Pawling - 8,463
  23. Pearl River - 15,876
  24. Peconic - 683
  25. Peekskill - 23,583
  26. Pelham - 12,396
  27. Pelham Manor - 5,486
  28. Pembroke - 4,292
  1. Pendleton - 6,397
  2. Penfield - 36,242
  3. Penn Yan - 5,159
  4. PENNELLVILLE - 4,310
  5. Perry - 4,616
  6. Perrysburg - 1,626
  7. Perth - 3,646
  8. Peru - 6,998
  9. PETERSBURG - 3,678
  10. Petersburgh - 1,525
  11. Phelps - 7,072
  12. Philadelphia - 1,947
  13. Philipstown - 9,662
  14. Philmont - 1,379
  15. Phoenicia - 309
  16. Phoenix - 2,382
  17. Piermont - 2,510
  18. Pierrepont - 2,589
  19. PIFFARD - 220
  20. Pike - 1,114
  21. Pine Bush - 1,780
  22. PINE CITY - 4,908
  23. Pine Hill - 275
  24. PINE ISLAND - 1,084
  25. Pine Plains - 2,473
  26. PINE VALLEY - 813
  27. PISECO - 272
  28. Pitcairn - 846
  1. Pitcher - 803
  2. Pittsfield - 1,366
  3. Pittsford - 29,405
  4. Plainedge - 8,817
  5. Plainfield - 915
  6. Plainview - 26,217
  7. Plandome - 1,349
  8. Plattekill - 10,499
  9. Plattsburgh - 19,989
  10. Pleasant Valley - 9,672
  11. Pleasantville - 7,019
  12. PLESSIS - 164
  13. Plymouth - 1,804
  14. Poestenkill - 4,530
  15. Point Lookout - 1,219
  16. Poland - 2,356
  17. Pomona - 3,103
  18. POND EDDY - 272
  19. Poquott - 953
  20. Port Byron - 1,290
  21. Port Chester - 28,967
  22. PORT CRANE - 4,463
  23. Port Dickinson - 1,641
  24. Port Ewen - 3,546
  25. Port Henry - 1,194
  26. Port Jefferson - 7,750
  27. Port Jefferson Station - 7,838
  28. Port Jervis - 8,828
  1. Port Leyden - 672
  2. Port Washington - 15,846
  3. PORTAGEVILLE - 664
  4. PORTER CORNERS - 1,984
  5. Portland - 4,827
  6. PORTLANDVILLE - 170
  7. Portville - 3,730
  8. Potsdam - 16,041
  9. POTTERSVILLE - 424
  10. Poughkeepsie - 32,736
  11. Poughquag - 7,699
  12. Pound Ridge - 5,104
  13. PRATTSBURGH - 2,085
  14. PRATTSVILLE - 700
  15. Preble - 1,393
  16. Preston - 1,044
  17. PRESTON HOLLOW - 783
  18. Preston-Potter Hollow - 366
  19. Princetown - 2,115
  20. PROMISED LAND - 1,167
  21. Prospect - 291
  22. Providence - 1,995
  23. Pulaski - 2,365
  24. Pulteney - 1,285
  25. PURCHASE - 3,454
  26. PURDYS - 661
  27. PUTNAM STATION - 645
  28. Putnam Valley - 11,809
  1. Queensbury - 27,901
  1. Quioque - 800
  1. Quogue - 967
  1. Randolph - 2,602
  2. Ransomville - 1,419
  3. RAQUETTE LAKE - 123
  4. Ravena - 3,268
  5. Red Creek - 532
  6. Red Hook - 11,319
  7. Redfield - 550
  8. Redford - 477
  9. Redwood - 605
  10. Remsen - 1,929
  11. REMSENBURG - 822
  12. Remsenburg-Speonk - 2,642
  13. Rensselaer - 9,392
  14. Rensselaer Falls - 332
  15. Rensselaerville - 1,843
  16. REXFORD - 431
  17. REXVILLE - 651
  1. Rhinebeck - 7,548
  2. Richburg - 450
  3. Richfield - 2,388
  4. Richfield Springs - 1,264
  5. Richford - 1,172
  6. Richland - 5,718
  7. Richmondville - 2,610
  8. Richville - 323
  9. Ridge - 13,336
  10. Rifton - 456
  11. Ripley - 2,415
  12. Riverhead - 33,506
  13. Rochester - 210,565
  14. ROCK CITY FALLS - 596
  15. Rock Hill - 1,742
  16. ROCK STREAM - 747
  17. ROCK TAVERN - 2,089
  1. Rockville Centre - 24,023
  2. Rocky Point - 14,014
  3. RODMAN - 1,176
  4. Roessleville - 10,753
  5. Rome - 33,725
  6. ROMULUS - 4,316
  7. Ronkonkoma - 19,082
  8. Roosevelt - 16,258
  9. Root - 1,715
  10. Roscoe - 541
  11. Roseboom - 711
  12. Rosendale - 6,075
  13. Roslyn - 2,770
  14. Roslyn Estates - 1,251
  15. Roslyn Harbor - 1,051
  16. Roslyn Heights - 6,577
  17. Rossie - 877
  1. Rotterdam - 29,094
  2. ROTTERDAM JUNCTION - 836
  3. Round Lake - 623
  4. ROUND TOP - 736
  5. Rouses Point - 2,209
  6. Roxbury - 2,502
  7. Royalton - 7,660
  8. Rush - 3,478
  9. RUSHFORD - 1,150
  10. Rushville - 677
  11. Russell - 1,856
  12. Russell Gardens - 945
  13. Russia - 2,587
  14. Rutland - 3,060
  15. Rye - 15,720
  16. Rye Brook - 9,347
  1. Sackets Harbor - 1,450
  2. Saddle Rock - 830
  3. Saddle Rock Estates - 466
  4. Sag Harbor - 2,169
  5. Sagaponack - 313
  6. Saint James - 13,338
  7. Saint Johnsville - 4,408
  8. SAINT REGIS FALLS - 1,347
  9. Salamanca - 5,815
  10. Salem - 2,715
  11. Salina - 33,710
  12. Salisbury - 12,093
  13. SALISBURY CENTER - 712
  14. SALISBURY MILLS - 536
  15. SALT POINT - 190
  16. Saltaire - 37
  17. SANBORN - 1,645
  18. Sand Lake - 8,530
  19. Sands Point - 2,675
  20. Sandy Creek - 3,939
  21. Sanford - 2,407
  22. Santa Clara - 345
  23. Saranac - 4,007
  24. Saranac Lake - 5,406
  25. Saratoga Springs - 26,586
  26. Sardinia - 2,775
  27. Saugerties - 19,482
  28. SAUQUOIT - 4,277
  29. SAVANNAH - 1,730
  30. Savona - 827
  31. Sayville - 16,853
  32. Scarsdale - 17,166
  33. Schaghticoke - 7,679
  34. Schenectady - 66,135
  35. SCHENEVUS - 551
  36. SCHODACK LANDING - 923
  37. Schoharie - 3,205
  38. Schroeppel - 8,501
  39. SCHROON LAKE - 833
  40. Schuyler - 3,420
  41. Schuyler Falls - 5,181
  42. Schuylerville - 1,386
  43. SCIO - 1,833
  44. Scipio - 1,713
  1. SCIPIO CENTER - 1,204
  2. Scotchtown - 9,212
  3. Scotia - 7,729
  4. Scott - 1,176
  5. Scotts Corners - 711
  6. SCOTTSBURG - 117
  7. Scottsville - 2,001
  8. Scriba - 6,840
  9. Sea Cliff - 4,995
  10. Seaford - 15,294
  11. SEAVIEW - 190
  12. Selden - 19,851
  13. SELKIRK - 5,779
  14. Sempronius - 895
  15. Seneca Falls - 9,040
  16. Sennett - 3,595
  17. SETAUKET - 20,382
  18. Setauket-East Setauket - 15,477
  19. Seward - 1,763
  20. Shandaken - 3,085
  21. Sharon Springs - 558
  22. SHEDS - 1,209
  23. Shelby - 5,319
  24. Sheldon - 2,409
  25. Shelter Island - 2,392
  26. Shelter Island Heights - 1,048
  27. Shenorock - 1,898
  28. Sherburne - 4,048
  29. Sherman - 1,653
  30. Sherrill - 3,071
  31. Shirley - 27,854
  32. Shokan - 1,183
  33. Shoreham - 531
  34. Shortsville - 1,439
  35. Shrub Oak - 2,011
  36. SHUSHAN - 808
  37. Sidney - 5,774
  38. SIDNEY CENTER - 1,666
  39. SILVER BAY - 176
  40. Silver Creek - 2,656
  41. Silver Springs - 782
  42. Sinclairville - 588
  43. Skaneateles - 7,209
  1. SPEONK - 692
  2. SPRAKERS - 1,501
  3. Spring Valley - 31,347
  4. SPRINGFIELD CENTER - 459
  5. Springport - 2,367
  6. Springville - 4,296
  7. Springwater - 2,439
  8. Staatsburg - 377
  9. Stafford - 2,459
  10. Stamford - 2,267
  11. STANFORDVILLE - 2,231
  12. STANLEY - 2,875
  13. Star Lake - 809
  14. Staten Island - 468,730
  15. STEAMBURG - 412
  16. STELLA NIAGARA - 11,121
  17. Stephentown - 2,903
  18. Sterling - 3,040
  19. Steuben - 1,100
  20. Stewart Manor - 1,896
  21. Stillwater - 8,287
  22. STITTVILLE - 807
  23. Stockbridge - 2,103
  24. Stockton - 2,248
  25. Stone Ridge - 1,173
  26. Stony Brook - 13,740
  27. Stony Creek - 767
  28. Stony Point - 15,059
  29. STORMVILLE - 4,550
  30. Stottville - 1,375
  31. Stratford - 610
  32. STRYKERSVILLE - 647
  33. Stuyvesant - 2,027
  34. Suffern - 10,723
  35. Sullivan - 15,339
  36. Summerhill - 1,217
  37. Summit - 1,148
  38. SURPRISE - 175
  39. SWAIN - 309
  40. SWAN LAKE - 2,169
  41. Sylvan Beach - 897
  42. Syosset - 18,829
  43. Syracuse - 145,170
  1. TABERG - 3,466
  2. TACONIC LAKE - 3,678
  3. Taghkanic - 1,310
  4. Tannersville - 539
  5. Tappan - 6,613
  6. Tarrytown - 11,277
  7. Taylor - 523
  8. Terryville - 11,849
  9. Theresa - 2,905
  10. Thiells - 5,032
  1. Thomaston - 2,617
  2. THOMPSON RIDGE - 57
  3. THOMPSONVILLE - 59
  4. Thornwood - 3,759
  5. THREE MILE BAY - 227
  6. Throop - 1,990
  7. Thurman - 1,219
  8. TICONDEROGA - 5,042
  9. Tillson - 1,586
  10. Tivoli - 1,118
  1. TOMKINS COVE - 1,739
  2. Tompkins - 1,247
  3. Tonawanda - 15,130
  4. Tonawanda - 15,130
  5. TREADWELL - 342
  6. Triangle - 2,946
  7. Tribes Hill - 1,003
  8. Troupsburg - 1,291
  9. Troy - 50,129
  10. Trumansburg - 1,797
  1. Truxton - 1,133
  2. Tuckahoe - 1,373
  3. Tuckahoe - 1,373
  4. Tully - 2,738
  5. Tupper Lake - 5,971
  6. Turin - 761
  7. TUSCARORA - 1,473
  8. Tuxedo - 3,624
  9. Tuxedo Park - 623
  10. Tyre - 981
  1. Vails Gate - 3,369
  2. Valatie - 1,819
  3. Valhalla - 3,162
  4. Valley Cottage - 9,107
  5. Valley Falls - 466
  6. Valley Stream - 37,511
  1. Van Buren - 13,185
  2. Van Etten - 1,557
  3. VAN HORNESVILLE - 7
  4. VARYSBURG - 1,646
  5. Venice - 1,368
  6. VERBANK - 956
  1. VERMONTVILLE - 853
  2. Vernon - 5,408
  3. VERNON CENTER - 1,398
  4. VERONA - 6,293
  5. Verplanck - 1,729
  6. Vestal - 28,043
  1. VETERANS ADMINISTRATION - 12,536
  2. Victor - 14,275
  3. Vienna - 5,440
  4. Virgil - 2,401
  5. Volney - 5,926
  6. Voorheesville - 2,789
  1. WACCABUC - 445
  2. Waddington - 2,266
  3. Wading River - 7,719
  4. WADSWORTH - 190
  5. Wainscott - 650
  6. Walden - 6,978
  7. Walker Valley - 853
  8. Wallkill - 27,426
  9. Walton - 5,576
  10. Walworth - 9,449
  11. Wampsville - 543
  12. Wantagh - 18,871
  13. Wappinger - 27,048
  14. Wappingers Falls - 5,522
  15. WARNERS - 1,759
  16. WARNERVILLE - 684
  17. Warren - 1,143
  18. Warrensburg - 4,094
  19. Warsaw - 5,064
  20. Warwick - 32,065
  21. Washingtonville - 5,899
  22. WASSAIC - 1,214
  23. WATER MILL - 1,559
  24. Waterford - 8,423
  25. Waterloo - 7,642
  26. Watermill - 1,724
  27. WATERPORT - 1,119
  28. Watertown - 27,023
  29. Waterville - 1,583
  30. Watervliet - 10,254
  31. Watkins Glen - 1,859
  32. Watson - 1,881
  33. Waverly - 4,444
  1. Wawarsing - 13,157
  2. Wayland - 4,102
  3. Webster - 42,641
  4. Weedsport - 1,815
  5. Wells - 674
  6. WELLS BRIDGE - 213
  7. Wellsburg - 580
  8. Wellsville - 7,397
  9. Wesley Hills - 5,628
  10. West Babylon - 43,213
  11. West Bay Shore - 4,648
  12. West Bloomfield - 2,466
  13. West Carthage - 2,012
  14. WEST CHAZY - 529
  15. WEST EDMESTON - 945
  16. West End - 1,940
  17. WEST FALLS - 2,633
  18. WEST FULTON - 215
  19. West Glens Falls - 7,071
  20. West Harrison - 11,250
  21. West Haverstraw - 10,165
  22. West Hempstead - 18,862
  23. WEST HENRIETTA - 6,197
  24. West Hills - 5,592
  25. West Hurley - 1,939
  26. West Islip - 28,335
  27. WEST KILL - 281
  28. WEST LEYDEN - 763
  29. West Monroe - 4,252
  30. West Nyack - 3,439
  31. WEST ONEONTA - 652
  32. WEST PARK - 547
  33. West Point - 6,763
  1. West Sand Lake - 2,660
  2. West Sayville - 5,011
  3. West Seneca - 44,711
  4. WEST SHOKAN - 714
  5. West Turin - 1,524
  6. WEST VALLEY - 518
  7. West Winfield - 826
  8. WESTBROOKVILLE - 186
  9. Westbrookvlle - 186
  10. Westbury - 15,146
  11. WESTDALE - 160
  12. Westerlo - 3,361
  13. WESTERNVILLE - 832
  14. Westfield - 4,896
  15. Westhampton - 3,079
  16. Westhampton Beach - 1,721
  17. Westmere - 7,284
  18. WESTMORELAND - 6,138
  19. Weston Mills - 1,472
  20. WESTPORT - 1,312
  21. WESTTOWN - 3,648
  22. Westvale - 4,963
  23. Westville - 1,819
  24. WEVERTOWN - 84
  25. Wheatfield - 18,117
  26. Wheatland - 4,775
  27. Wheatley Heights - 5,130
  28. White Creek - 3,356
  29. WHITE LAKE - 665
  30. White Plains - 56,853
  31. WHITE SULPHUR SPRINGS - 223
  32. Whitehall - 4,042
  33. Whitesboro - 3,772
  1. Whitestown - 18,667
  2. WHITESVILLE - 890
  3. Whitney Point - 964
  4. Willet - 1,043
  5. WILLIAMSON - 6,984
  6. Williamstown - 1,277
  7. Williamsville - 5,300
  8. Williston Park - 7,287
  9. WILLOW - 189
  10. WILLSBORO - 2,025
  11. WILLSEYVILLE - 1,085
  12. Wilna - 6,427
  13. Wilson - 5,993
  14. Wilton - 16,173
  15. Windham - 1,703
  16. Windsor - 6,274
  17. Winfield - 2,086
  18. WINGDALE - 3,618
  19. WINTHROP - 510
  20. Wolcott - 4,453
  21. WOODBOURNE - 2,935
  22. Woodbury - 11,353
  23. Woodhull - 1,719
  24. Woodmere - 17,121
  25. Woodridge - 847
  26. Woodsburgh - 778
  27. Woodstock - 5,884
  28. WORCESTER - 2,220
  29. Worth - 231
  30. Wurtsboro - 1,246
  31. Wyandanch - 11,647
  32. Wynantskill - 3,276
  33. Wyoming - 434
  1. Yaphank - 5,945
  2. Yonkers - 195,976
  3. Yorkshire - 3,913
  1. Yorktown - 36,081
  2. Yorktown Heights - 1,781
  1. Yorkville - 2,689
  2. Youngstown - 1,935
  1. YOUNGSVILLE - 448
  2. YULAN - 295