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Cristina M. Lipan

Cristina M. Lipan

  • Bankruptcy, Workers' Compensation
  • New York
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Cristina Lipan has significant experience representing both secured and unsecured creditors in various aspects of commercial bankruptcy and reorganization litigation. Ms. Lipan has regularly represented parties in bankruptcy litigation, including preference and fraudulent transfer litigation, claims litigation matters, and property of the estate matters. Representing creditors is no easy task yet Ms. Lipan has successfully negotiated numerous settlements and stipulations.

A local New York State graduate, Ms. Lipan is admitted to practice in the Southern and Eastern Districts of New York Bankruptcy Courts. After graduating law school she worked as an associate attorney, representing creditors in various commercial bankruptcy matters. Ms. Lipan also worked with noticing and claims agent, taking the lead in organizing the administrative issues in complex chapter 11 cases.

Practice Areas
  • Bankruptcy
  • Workers' Compensation
  • Free Consultation
Jurisdictions Admitted to Practice
New York
  • Romanian: Spoken, Written
  • Spanish: Spoken, Written
Professional Experience
Law Offices of Joseph A. Romano, P.C.
- Current
Bankruptcy Attorney
Shipkevich PLLC
Bankruptcy Project Manager
Garden City Group, LLC
• Provided administrative services in complex Chapter 11 cases. • Managed notice and service requirements during a chapter 11 bankruptcy case, including solicitation and public offerings. • Supported business development team by conducting research on distressed companies, while maintaining Salesforce database and preparing various reports.
Bankruptcy Attorney
Borges & Associates
• Represented creditors in commercial bankruptcy cases. • Followed bankruptcy cases to ensure proper treatment for the client by reviewing case filings such as operating reports, sale motions, and plan and disclosure statements. • Ensured creditors paid by filing claims, preparing motions for allowance and defending against claims objections. • Defended creditors against lawsuits brought by the debtor or trustee, including preference and fraudulent conveyance actions. Reviewed client accounting data and creating defense analyses to find the lowest possible exposure for the creditor. • Researched various facets of the law, including bankruptcy issues and contract disputes. Drafted and filed court documents, including motions and memorandums. • Negotiated settlements for avoidance actions and claims objections. Drafted stipulations of settlement. • Appeared at court hearings, presented oral arguments on submitted motions, and presented various issues and resolutions to the presiding Judge.
Hofstra University
J.D. (2010) | Law
Honors: Dean’s Scholar Program Annual Dean’s List for 2007-08 Dean’s List, Fall 2009
Activities: Hofstra Labor and Employment Law Journal, Staff Member Hofstra Law Women, Charitable Events Coordinator, 2008-2009 Participant in the Moot Court Competition, Fall 2008
City University of New York - Hunter College
B.S. (2007) | Economics
Professional Associations
State Bar of New York # 4896270
Legal Answers
116 Questions Answered

Q. SSDI hearing
A: You won't get denied just because you don't have an attorney, but you're much more likely to be successful if you have one. That's because an attorney will know what records you need and will argue why you should be considered disabled. However, you will need to get an attorney as soon as the hearing is scheduled so they have time to review your records and request more if necessary.
Q. Is there any possible way to successfully discharge student loan debt in a bankruptcy or is it nondischargeable?
A: If you can be found disabled by social security, otherwise not really.
Q. Waitng 4 lrg backpy chk from fvrble disab ruling. SSA in processing. Need 2 file 13 soon.
A: Income from social security disability is exempt from creditors and wouldn't be included. You should speak to an attorney to determine whether a chapter 7 case would be more appropriate for you.
Q. If my Boyfriend files Bankruptcy and I was on a loan he had do I have to file too?
A: If you are a personal guarantor, you remain obligated to pay the loan even if your boyfriend files bankruptcy. You aren't required to file bankruptcy too, but you remain responsible for paying that debt.
Q. If I stop paying my Credit Cards because I know I'll be filing Chapter 7 in a few months. What do I do with extra cash?
A: You can exempt certain assets. If you have enough exemptions to cover that extra cash it's not a problem what you do with it, it's yours. To be safe, just don't take too long to file your bankruptcy case so you don't accumulate so much.
Q. If I get a pro bono attorney that can take my case of credit cards for no charge, can they stop the creditors quick?
A: Social security income is exempt from creditors, you just have to make sure to keep that money in a separate accounts from other types of income, if any. Technically, they cannot take that income to pay creditors, although sometimes they do in error and you would need to fight to get the money back. They can access other assets if you have any. Appearing in that state court action will only delay it, but won't really resolve anything. Creditors may get a judgment, although there may be nothing to collect. To rid yourself of the stress, you probably want to consider filing bankruptcy, it's the easiest solution.
Q. Do you have any Pro Bono in my area or other parts close by for me to talk to and start this action?
A: Legal aid will help you prepare the documents, but probably will not be able to adequately advise you the same way an attorney would and does not actually represent you. You might end up being ok filing yourself, but so many things can go wrong that you wouldn't know about in advance. I highly suggest paying for a good attorney.
Q. My MIL has 10k in credit card debt (one card only) and has been on SS income for years. Should she file bankruptcy?
A: Creditors cannot get to her SSD income, and if she has no other assets she's pretty much "judgment proof." However, sometimes money from bank accounts are taken erroneously and you'll need to fight to get that money back. A lot of people file bankruptcy just to not deal with the hassle. Bankruptcy is her best solution. If she files bankruptcy, she no longer has to make those payments, so the money used to pay monthly minimum amounts can instead be used for attorneys fees. There are some legal aid services available, but they only help you fill out the petition, it won't be an attorney representing you. It's always best to have an attorney, since you never know what might be an issue.
Q. I'm on social security disability but expect to receive a large inheritance from my grandmother shortly. Will I have to
A: It depends if you're receiving SSD (Title II) or SSI (Title XVI). Title II is based on your work history and that you paid into the system (like an insurance program). Under Title II, your income/assets are not relevant. The only income that is considered is if you've received other public benefits (workers comp, public assistance), then you would need to tell them. If you were approved under Title XVI, there are limits to the amount of income/assets you can have, so you may lose that, since it is needs based.
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Law Offices of Joseph A. Romano, P.C.
Brooklyn Office
26 Court Street
Suite 1908
Brooklyn, NY 11242
Telephone: (855) 965-1515