Bankruptcy Lawyer in Syosset, NY

Stop Creditor Calls and Save Your Home

Get immediate debt relief protection and keep what matters most to your family.

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Chapter 7 Bankruptcy Attorney Syosset

What Life Looks Like After Bankruptcy

You wake up without dreading the phone ringing. No more creditor calls interrupting dinner with your family. No more sleepless nights wondering how you’ll make next month’s payments.

Your mailbox isn’t stuffed with threatening letters. The foreclosure notice that’s been haunting you gets dismissed. You keep your home, your car, and the essentials your family needs.

Most importantly, you have a clear path forward. Within months, you’re rebuilding your credit instead of drowning in payments you can’t afford. The weight lifts off your shoulders because you finally have breathing room to focus on what really matters.

Syosset Bankruptcy Law Firm

We Know Nassau County Bankruptcy Law

The Frank Law Firm P.C. has been helping Long Island families navigate financial crises for years. We understand the local court system in the Eastern District of New York and know exactly how to protect your assets under New York state exemptions.

We’ve seen every type of debt situation Syosset residents face. From medical bills that spiraled out of control to job loss during economic uncertainty. We don’t judge your situation – we solve it.

Our office serves Nassau County families who need real solutions, not lectures about how they got here.

File for Bankruptcy Syosset NY

Here's Exactly What Happens Next

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

Once you decide to move forward, we immediately begin preparing your petition. This typically takes 2-3 weeks to gather all required documents and complete the paperwork. The moment we file, the automatic stay goes into effect – creditors must stop calling and any foreclosure proceedings halt.

About 30 days after filing, you’ll attend a Meeting of Creditors. We prepare you for exactly what to expect and handle all the legal requirements. For most Chapter 7 cases, you receive your discharge within 3-4 months, eliminating qualifying debts permanently.

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Debt Relief Lawyer Syosset

Complete Bankruptcy Protection and Guidance

You get full legal representation from petition to discharge. We handle all court filings, communicate with creditors on your behalf, and ensure you understand every step of the process.

We also provide foreclosure defense when needed, buying you time to explore all options for keeping your home. Many Syosset clients face mortgage difficulties alongside other debts, so we coordinate the entire debt relief strategy.

Our service includes credit counseling referrals, budgeting guidance for your fresh start, and clear explanations of how bankruptcy affects your specific situation. You’re not just filing paperwork – you’re getting a complete financial reset with professional guidance.

How quickly can bankruptcy stop foreclosure on my Syosset home?

The automatic stay takes effect immediately when we file your bankruptcy petition, which legally stops foreclosure proceedings. If you’re facing an imminent foreclosure sale, we can often file an emergency petition within 24-48 hours. This gives you breathing room to explore options like Chapter 13 repayment plans that let you catch up on missed mortgage payments over time, or Chapter 7 if you want to eliminate other debts while negotiating with your mortgage company. The key is acting quickly – don’t wait until the day before a foreclosure sale to call.

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

Chapter 7 eliminates most unsecured debts like credit cards and medical bills within 3-4 months, but you might have to give up non-exempt assets. Chapter 13 creates a 3-5 year repayment plan that lets you keep all your property while catching up on mortgage or car payments. Most Syosset clients choose Chapter 7 because New York’s exemptions protect their home, car, and personal belongings. Chapter 13 works better if you’re behind on your mortgage but can afford payments going forward, or if you make too much money to qualify for Chapter 7.

Will I lose my house if I file for bankruptcy?

Most homeowners keep their house in bankruptcy. New York’s homestead exemption protects up to $170,825 of home equity (more in some counties), and if you’re current on mortgage payments, bankruptcy typically doesn’t affect your ability to stay. If you’re behind on payments, Chapter 13 lets you catch up over time while eliminating other debts. Even in Chapter 7, you can often work out arrangements with your mortgage company. The bigger risk is usually doing nothing – letting foreclosure proceed without exploring bankruptcy protection first.

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

Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, plus mandatory credit counseling courses around $20-50. Attorney fees vary based on case complexity, but we offer payment plans because we understand you’re filing bankruptcy for financial reasons. Many clients use their tax refund, stop making credit card payments (once we’re representing them), or set up affordable monthly payments. We discuss all costs upfront during your free consultation – no surprises or hidden fees later.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy appears on your credit report for 10 years, while Chapter 13 shows for 7 years. However, the impact on your credit score decreases significantly over time, especially if you rebuild responsibly. Many clients see their scores improve within 12-18 months because they’ve eliminated overwhelming debt payments. You can often qualify for an FHA mortgage just 2 years after Chapter 7 discharge. The temporary credit impact is usually worth it compared to years of missed payments, collections, and potential foreclosure.

Can bankruptcy eliminate all my debts?

Bankruptcy eliminates most unsecured debts like credit cards, medical bills, personal loans, and old utility bills. However, certain debts survive bankruptcy including recent taxes, student loans (in most cases), child support, alimony, and debts from fraud or DUI. Secured debts like mortgages and car loans continue if you want to keep the property, but you can surrender these assets and eliminate any remaining balance. During your consultation, we’ll review your specific debts and explain exactly what gets eliminated versus what continues.

Local Resources

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