Bankruptcy Lawyer in Massapequa, NY

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Debt Relief Attorney Massapequa

What Life Looks Like After

The phone stops ringing with collection calls. Your paycheck stays in your account instead of going to wage garnishment. You sleep through the night without worrying about losing your house.

That’s what happens when you file for bankruptcy with proper legal guidance. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and other unsecured debts in as little as four months. Chapter 13 bankruptcy lets you keep your home while paying back what you can afford over three to five years.

You’re not just getting out of debt. You’re getting your life back. The automatic stay kicks in the moment we file your case, which means creditors must stop all collection activities immediately. No more harassment. No more threats. Just breathing room to rebuild.

Massapequa Bankruptcy Law Firm

We Know Nassau County Courts

The Frank Law Firm P.C. has been helping Long Island families navigate financial crises for years. We understand the local pressures that lead to overwhelming debt – the high cost of living, property taxes, and unexpected medical expenses that can destroy even careful budgets.

Our practice focuses exclusively on bankruptcy and debt relief law. We know the Nassau County bankruptcy court procedures, the local trustees, and exactly how to protect your assets under New York exemption laws. When you’re facing foreclosure or creditor harassment, you need someone who can act fast and get results.

We’ve seen every type of financial situation. Nothing shocks us, and we don’t judge. We just solve problems.

How to File Bankruptcy

The Process Made Simple

First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. Most people qualify for Chapter 7, which eliminates most debts completely.

Next, we prepare and file your bankruptcy petition. The automatic stay goes into effect immediately, stopping all collection activities. Creditors cannot call you, garnish your wages, or proceed with foreclosure while your case is pending.

You’ll attend one meeting with the bankruptcy trustee, called a 341 meeting. We’ll prepare you for this meeting and attend with you. For Chapter 7 cases, you typically receive your discharge order within four months. Chapter 13 cases involve a payment plan that lasts three to five years, but you keep your property and catch up on missed mortgage payments over time.

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Chapter 7 Chapter 13 Options

Complete Bankruptcy Representation Includes

We handle every aspect of your bankruptcy case from start to finish. This includes reviewing six months of financial records, completing the mandatory credit counseling course, preparing all required bankruptcy schedules and statements, and filing your petition with the Nassau County bankruptcy court.

You’ll also get foreclosure defense if you’re behind on mortgage payments. We can often negotiate loan modifications or use Chapter 13 to catch up on missed payments while keeping your home. For those facing wage garnishment, we can stop it immediately upon filing.

Our service includes representation at the 341 meeting of creditors and handling any issues that arise during your case. We also provide guidance on rebuilding your credit after bankruptcy and protecting your fresh start. Most importantly, you get direct access to an experienced bankruptcy attorney, not a paralegal or case manager.

How much does it cost to file bankruptcy in Massapequa?

Chapter 7 bankruptcy attorney fees typically range from $1,500 to $2,500, plus a $338 court filing fee. Chapter 13 cases cost more due to the complexity and longer duration, usually $3,500 to $4,500 plus a $313 filing fee. We offer payment plans because we understand you’re filing bankruptcy for financial reasons. Many clients can pay attorney fees over several months before filing, and Chapter 13 attorney fees can often be paid through your repayment plan. The cost of bankruptcy is usually far less than continuing to struggle with overwhelming debt, wage garnishment, and collection lawsuits.

Will I lose my house if I file bankruptcy in New York?

Most people keep their homes when filing bankruptcy in New York. If you’re current on mortgage payments and your home equity is protected by exemptions, Chapter 7 won’t affect your house. New York’s homestead exemption protects up to $170,825 in home equity for most counties. If you’re behind on mortgage payments, Chapter 13 bankruptcy can actually help you save your home by allowing you to catch up on missed payments over three to five years while stopping foreclosure proceedings. The automatic stay immediately stops foreclosure sales, giving you time to reorganize your finances.

What debts can be eliminated through bankruptcy?

Chapter 7 bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, utility bills, and old income taxes (if they meet certain criteria). It also stops wage garnishment and eliminates deficiency balances from foreclosed homes or repossessed cars. However, you cannot discharge recent taxes, student loans (in most cases), child support, alimony, or debts incurred through fraud. Secured debts like mortgages and car loans can be eliminated, but you’ll lose the property unless you continue making payments. Chapter 13 allows you to catch up on secured debt payments while eliminating unsecured debts.

How long does the bankruptcy process take in Nassau County?

Chapter 7 bankruptcy cases typically take four to six months from filing to discharge in Nassau County. You’ll attend one meeting with the trustee about 30 days after filing, then wait for the discharge order. Chapter 13 cases involve a three to five year repayment plan, but you get immediate protection from creditors when we file. The automatic stay stops collection activities, wage garnishment, and foreclosure proceedings immediately upon filing. Most people feel relief within days of filing because creditor harassment must stop. We can often prepare and file your case within two weeks of retaining our services if you’re facing immediate threats like foreclosure or wage garnishment.

Will bankruptcy ruin my credit score permanently?

Bankruptcy appears on your credit report for seven to ten years, but most people see their credit scores improve within 12 to 24 months after filing. This happens because bankruptcy eliminates the debts that were dragging down your score. Many clients qualify for secured credit cards and car loans within a year of discharge. The key is rebuilding responsibly with on-time payments and low credit utilization. Continuing to struggle with overwhelming debt, missed payments, and collection accounts actually hurts your credit more than filing bankruptcy. Most people find that bankruptcy gives them a fresh start to rebuild their financial life properly.

Can I file 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 New York’s median income levels. If your income is below the median or your expenses are high enough, you qualify for Chapter 7 even with regular employment. Chapter 13 actually requires regular income because you’ll make monthly payments to the trustee. Having a steady job often makes Chapter 13 an attractive option because you can keep all your property while paying back what you can afford. Many working people file bankruptcy due to medical bills, divorce, job loss, or simply overwhelming credit card debt that grew beyond their ability to pay.

Local Resources

Massapequa, NY is located in Nassau County in New York State