Bankruptcy Lawyer in Oyster Bay, NY

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Chapter 7 Bankruptcy Attorney

Your Fresh Start Begins Here

You’re drowning in debt that keeps growing no matter how much you pay. The calls won’t stop, and you’re losing sleep wondering if you’ll lose your home.

Bankruptcy isn’t failure—it’s a legal tool designed to give you breathing room. When filed correctly, it immediately stops all creditor harassment, wage garnishments, and foreclosure proceedings. You keep essential assets while eliminating crushing debt.

Most clients walk away debt-free within months, not years. Your credit starts rebuilding immediately, and you finally have money left over each month for your family instead of sending it all to creditors who will never be satisfied.

Experienced Oyster Bay Bankruptcy Law Firm

We Know Nassau County Courts

We have been helping Long Island families navigate financial crises for years. We understand the unique challenges Oyster Bay residents face with high property values and cost of living pressures.

You’re not getting a one-size-fits-all approach here. We know which Nassau County trustees prefer specific documentation, how local judges handle asset protection, and exactly what it takes to keep your home through Chapter 13 reorganization.

Every case gets personal attention because your financial future depends on getting the details right the first time.

How to File for Bankruptcy

Simple Process, Clear Results

First, we meet for a free consultation to review your debts, income, and assets. No judgment, just facts about what bankruptcy can and cannot do for your specific situation.

If bankruptcy makes sense, we’ll determine whether Chapter 7 or Chapter 13 better protects your interests. Chapter 7 eliminates most debts in 3-4 months, while Chapter 13 lets you keep your home and pay back debts over 3-5 years.

We handle all paperwork, court filings, and creditor communications. You attend one brief meeting with the bankruptcy trustee, then focus on rebuilding while we handle the legal details. Most clients feel immediate relief once the automatic stay kicks in.

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About Frank Law Firm, P.C.

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Debt Relief and Foreclosure Defense

Complete Bankruptcy and Debt Solutions

We provide comprehensive bankruptcy representation that covers Chapter 7 liquidation, Chapter 13 reorganization, and emergency foreclosure defense. We also handle debt negotiation for clients who don’t qualify for bankruptcy but need creditor relief.

Many Oyster Bay clients are surprised to learn they can keep their homes, cars, retirement accounts, and personal belongings through proper bankruptcy planning. New York’s exemption laws are generous when applied correctly.

If you’re facing foreclosure, we can often file emergency bankruptcy petitions the same day to trigger the automatic stay. This gives us time to explore loan modifications, Chapter 13 payment plans, or strategic timing for maximum asset protection.

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

Not necessarily. Chapter 13 bankruptcy specifically allows you to keep your home while catching up on missed mortgage payments over 3-5 years. Even in Chapter 7, New York’s homestead exemption protects significant home equity, and you can keep your house if you’re current on payments. Many Oyster Bay clients successfully protect their homes through strategic bankruptcy planning. The key is acting before foreclosure proceedings advance too far, giving us maximum options for protecting your property.

How long does the bankruptcy process take in Nassau County?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge in Nassau County courts. Chapter 13 involves a 3-5 year payment plan, but you get immediate protection from creditors on day one. The automatic stay stops all collection actions immediately upon filing, so you feel relief right away even though the legal process takes time. Most clients attend just one brief trustee meeting and otherwise continue their normal lives while we handle court requirements and creditor communications.

What debts can be eliminated through bankruptcy filing?

Bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, and old utility bills. You’ll also discharge deficiency balances from foreclosures or repossessions. However, student loans, recent taxes, child support, and alimony typically survive bankruptcy. Secured debts like mortgages and car loans can be kept by continuing payments or eliminated by surrendering the property. We’ll review your specific debts during consultation to show exactly what gets eliminated versus what remains.

How much does it cost to hire a bankruptcy attorney?

Our Chapter 7 fees are flat-rate and include all attorney services, court filings, and trustee meeting representation. Chapter 13 cases involve additional complexity but we offer payment plans since you’ll have immediate relief from other debt payments. Court filing fees are separate but predictable. We provide exact pricing during your free consultation based on your case complexity. Most clients find bankruptcy attorney fees cost less than what they’re currently paying creditors each month, making it an immediate financial relief.

Will bankruptcy ruin my credit score permanently?

Bankruptcy appears on credit reports for 7-10 years, but your score starts improving immediately as debt-to-income ratios improve dramatically. Most clients qualify for secured credit cards within months and car loans within 1-2 years. Many see higher credit scores one year after bankruptcy than they had while drowning in debt and missing payments. The key is rebuilding responsibly after discharge. Late payments and maxed-out credit cards hurt scores more than bankruptcy itself, so eliminating overwhelming debt often improves your credit situation faster than struggling with payments you can’t afford.

Can I file bankruptcy if I have a business?

Yes, but business ownership adds complexity requiring experienced legal guidance. Sole proprietors can include business debts in personal Chapter 7 or Chapter 13 cases. If you have employees, equipment, or significant business assets, we need to carefully plan timing and asset protection strategies. Some clients benefit from separate business bankruptcy while others include everything in personal cases. We’ll analyze your business structure, debts, and assets to determine the best approach for protecting both personal and business interests while maximizing debt relief.

Local Resources

Oyster Bay, NY is located in Nassau County in New York State