Bankruptcy Lawyer in Alden Manor, NY

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Get immediate relief from creditors and protect what matters most to your family.

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Chapter 7 Bankruptcy Attorney

Your Fresh Start Begins Here

You’re not just filing paperwork. You’re reclaiming your life from the constant stress of debt collectors, wage garnishments, and sleepless nights wondering how you’ll pay next month’s bills.

When your bankruptcy case closes, the phone stops ringing with collection calls. Your paycheck goes back into your pocket instead of being garnished. You can answer your door without worrying it’s a process server.

Most importantly, you can start rebuilding. Your credit score begins recovering immediately after discharge. Many clients qualify for new credit cards within months and car loans within a year. The fresh start isn’t just legal—it’s real.

Bankruptcy Law Firm Alden Manor

We Know Nassau County Courts

The Frank Law Firm P.C. has been helping Long Island families navigate financial crises for years. We know the local bankruptcy trustees, understand how Nassau County courts operate, and have guided hundreds of clients through both Chapter 7 and Chapter 13 cases.

You won’t get shuffled between paralegals or junior attorneys. When you hire us, you get an experienced bankruptcy lawyer who will personally handle your case from start to finish.

We’ve seen every type of financial situation Alden Manor residents face—from medical debt that spiraled out of control to small businesses that couldn’t survive economic downturns.

File for Bankruptcy Process

Here's What Actually Happens

First, we meet for a free consultation where you bring your bills, income information, and asset details. We’ll review everything and explain whether Chapter 7 or Chapter 13 makes more sense for your situation.

Once you decide to move forward, we prepare and file your bankruptcy petition. The moment it’s filed, the automatic stay goes into effect—creditors must stop all collection activities immediately.

You’ll attend a meeting of creditors about 30 days later. It sounds intimidating, but it’s usually a brief question-and-answer session with the bankruptcy trustee. Most meetings last less than five minutes.

For Chapter 7 cases, you’ll typically receive your discharge in 3-4 months. Chapter 13 cases involve a 3-5 year payment plan, but you keep your assets and catch up on missed mortgage payments over time.

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Debt Relief Lawyer Services

Complete Bankruptcy and Debt Relief

We handle all types of bankruptcy cases, from straightforward Chapter 7 liquidations to complex Chapter 13 reorganizations. If you’re behind on your mortgage, we also provide foreclosure defense to buy you time and explore alternatives.

Our service includes complete preparation of your bankruptcy petition, all required financial documents, and representation at your meeting of creditors. We also handle any issues that arise during your case, from creditor objections to asset disputes.

Many Alden Manor clients come to us facing multiple problems—credit card debt, medical bills, and mortgage arrears. We look at your entire financial picture and create a strategy that addresses everything, not just one piece of the puzzle.

How much does it cost to file for bankruptcy in Nassau County?

Chapter 7 bankruptcy costs include a $338 court filing fee plus attorney fees, which typically range from $1,500 to $3,000 depending on case complexity. Chapter 13 cases have a $313 filing fee and higher attorney fees due to the longer timeline and payment plan administration. We offer payment plans for attorney fees and can often structure payments around your budget. The cost might seem significant when you’re already struggling financially, but consider that bankruptcy eliminates thousands or tens of thousands in debt—making it one of the best investments you can make for your financial future.

Will I lose my house if I file for bankruptcy?

Not necessarily. In Chapter 13 bankruptcy, you can keep your home and catch up on missed mortgage payments through your payment plan over 3-5 years. Even in Chapter 7, you may be able to keep your house if you’re current on payments and your equity doesn’t exceed New York’s homestead exemption. If you’re facing foreclosure, filing bankruptcy creates an automatic stay that immediately stops the foreclosure process, giving us time to work out a solution. Many clients use Chapter 13 specifically because it allows them to save their home while eliminating other debts.

What's the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 is a liquidation bankruptcy that eliminates most unsecured debts in 3-4 months. You may have to give up non-exempt assets, but most people keep everything they need. Chapter 13 is a reorganization bankruptcy where you keep your assets and pay back a portion of your debts through a 3-5 year payment plan. Chapter 13 is often better if you’re behind on mortgage payments, have significant assets you want to protect, or earn too much to qualify for Chapter 7. The choice depends on your income, assets, and goals—which is why the initial consultation is so important.

How long does the bankruptcy process take from start to finish?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge. You’ll attend the meeting of creditors about 30-45 days after filing, then wait for the discharge order. Chapter 13 takes longer because you’re in a payment plan for 3-5 years, but you get immediate relief from the automatic stay and start your payment plan right away. The timeline can vary if complications arise, such as creditor objections or asset disputes, but most cases proceed smoothly. The key is having an experienced attorney who prepares your case correctly from the beginning to avoid delays.

Will bankruptcy ruin my credit score permanently?

Bankruptcy does impact your credit score initially, but it’s not permanent damage. Chapter 7 stays on your credit report for 10 years, while Chapter 13 stays for 7 years. However, many clients see their credit scores start improving within 6-12 months after discharge because they no longer have overwhelming debt dragging down their score. You can often qualify for secured credit cards immediately after discharge and car loans within 1-2 years. Many clients are surprised to find their credit score is higher two years after bankruptcy than it was before filing, when they were struggling with late payments and maxed-out credit cards.

Can I file for bankruptcy if I have a job and regular income?

Yes, having a job doesn’t disqualify you from bankruptcy. For Chapter 7, you must pass the means test, which compares your income to the median income in New York. If your income is below the median, you likely qualify. If it’s above, you may still qualify depending on your expenses and disposable income. Chapter 13 actually requires regular income because you need to fund your payment plan. Having a steady job often makes Chapter 13 a good option because you can keep all your assets while paying back a portion of your debts over time. Employment status affects which chapter you file, not whether you can file at all.

Local Resources

Alden Manor, NY is located in Nassau County in New York State