Bankruptcy Lawyer in Baycrest, NY

Stop the Calls, Save Your Home

Get immediate protection from creditors and explore real solutions to eliminate your debt for good.

Hear from Our Customers

Debt Relief Attorney Baycrest

What Life Looks Like After

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

That’s what happens when you file for bankruptcy protection. The automatic stay kicks in immediately, stopping all collection activities against you. Creditors can’t call, can’t sue, can’t take your wages.

But the real relief comes later. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and other unsecured debts entirely. Chapter 13 lets you keep your home while reorganizing payments you can actually afford. Either way, you get a fresh start instead of drowning in payments that never seem to make a dent.

Bankruptcy Law Firm Baycrest

We Handle This Every Day

We at The Frank Law Firm P.C. have been helping Baycrest families navigate bankruptcy and debt relief for years. We know the local bankruptcy courts, the trustees, and exactly how the process works in New York.

You’re not our first client facing foreclosure or drowning in credit card debt. We’ve seen every situation, and we know which solutions actually work. Most importantly, we know that good people end up in bad financial situations through no fault of their own.

That’s why we offer free consultations and payment plans. Because getting legal help shouldn’t make your financial problems worse.

File for Bankruptcy Baycrest

Here's Exactly What Happens

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, or if there’s another debt relief option that works better.

If you decide to move forward, we prepare and file your bankruptcy petition with the court. The moment we file, the automatic stay goes into effect. All collection calls, lawsuits, and garnishments must stop immediately.

Next comes the meeting of creditors, where you’ll answer basic questions about your financial situation under oath. We’ll be right there with you to handle any issues that come up. For most Chapter 7 cases, you’ll receive your discharge within 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.

Ready to get started?

Explore More Services

About Frank Law Firm, P.C.

Get a Free Consultation

Chapter 7 Chapter 13 Attorney

What's Included in Your Case

Every bankruptcy case includes complete preparation and filing of your petition, schedules, and required documents. We handle all communication with the bankruptcy trustee and your creditors from the moment we file.

You’ll get representation at the meeting of creditors and any other required court appearances. We also provide pre-filing credit counseling and post-filing debtor education through approved agencies, which are required to complete your bankruptcy.

For Chapter 13 cases, we prepare your repayment plan and handle any modifications needed during the 3-5 year process. If creditors object to your plan or discharge, we represent you in those proceedings too. Basically, once you hire us, the legal side of your bankruptcy becomes our problem, not yours.

How long does it take to file for bankruptcy in New York?

Most bankruptcy cases can be filed within 2-3 weeks after you provide all required financial documents. The actual timeline depends on how quickly you can gather pay stubs, tax returns, bank statements, and debt information. Once we file your petition, the automatic stay protection begins immediately. Chapter 7 cases typically receive a discharge in 3-4 months, while Chapter 13 cases involve a 3-5 year payment plan but provide immediate protection from creditors.

Will I lose my house if I file for bankruptcy?

Not necessarily. Chapter 13 bankruptcy is specifically designed to help homeowners catch up on missed mortgage payments while keeping their home. You’ll make regular mortgage payments going forward plus an additional amount toward past-due payments through your Chapter 13 plan. Even in Chapter 7, you can often keep your home if you’re current on payments and have limited equity. New York’s homestead exemption protects a significant amount of home equity from creditors.

What debts can be eliminated through bankruptcy in Baycrest?

Most unsecured debts can be discharged in bankruptcy, including credit card balances, medical bills, personal loans, and old utility bills. Some debts cannot be eliminated, such as recent taxes, student loans, child support, and debts incurred through fraud. Secured debts like mortgages and car loans can be handled through bankruptcy, but you’ll need to keep making payments if you want to keep the property. We’ll review your specific debts during your free consultation to explain what can and cannot be discharged.

How much does it cost to hire a bankruptcy attorney?

Attorney fees for Chapter 7 bankruptcy typically range from $1,500-$2,500, plus a $338 court filing fee. Chapter 13 cases generally cost more due to the ongoing work required over 3-5 years. We offer payment plans so you don’t need all the money upfront. Many clients use their first month without credit card payments to pay legal fees. The cost of bankruptcy is usually far less than continuing to make minimum payments on debts that will never be paid off.

Will bankruptcy ruin my credit score permanently?

Bankruptcy does impact your credit score initially, but it’s not permanent damage. Most clients see their credit scores start improving within 6-12 months after discharge because their debt-to-income ratio improves dramatically. Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 stays for 7 years. However, many clients qualify for secured credit cards immediately after discharge and can rebuild their credit score to 650+ within 2-3 years with responsible financial habits.

Can I file bankruptcy if I'm behind on mortgage payments?

Yes, and Chapter 13 bankruptcy is often the best solution for homeowners facing foreclosure. Filing Chapter 13 immediately stops the foreclosure process and gives you 3-5 years to catch up on missed mortgage payments while keeping your home. You’ll need sufficient income to make your regular mortgage payment plus an additional amount toward the past-due balance through your Chapter 13 plan. This option has helped many Baycrest homeowners save their homes when foreclosure seemed inevitable.

Local Resources

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