Bankruptcy Lawyer in Brentwood, NY

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Debt Relief Solutions Brentwood

What Life Looks Like After

You wake up without that knot in your stomach. No more dodging phone calls from creditors or losing sleep over mounting bills.

Your paycheck becomes yours again. Instead of watching every dollar disappear to minimum payments, you can actually plan for your family’s future.

The constant fear of losing your home fades away. With the right bankruptcy strategy, you can keep your house while eliminating the debt that’s been crushing you. Many Brentwood families discover they can discharge tens of thousands in credit card debt while protecting their most important assets.

This isn’t about giving up or admitting defeat. It’s about using the legal tools designed specifically for situations like yours to get back on solid ground.

Brentwood Bankruptcy Attorney Experience

We Know These Waters

We’ve been helping Long Island residents navigate bankruptcy law for years. We understand the specific challenges Brentwood families face, from property values to local economic pressures.

We’ve seen every type of debt situation. Medical bills that spiraled out of control, small businesses hit by economic downturns, and hardworking people who did everything right but still got overwhelmed.

You’re not getting a one-size-fits-all approach here. Every bankruptcy case gets our individual attention because your situation is unique, and your solution should be too.

Bankruptcy Process Brentwood NY

Here's What Actually Happens

First, we sit down and look at your complete financial picture. Income, expenses, debts, assets – everything goes on the table so we can determine whether Chapter 7 or Chapter 13 makes more sense for your situation.

Once we file your bankruptcy petition, the automatic stay kicks in immediately. That means creditors have to stop calling, wage garnishments stop, and foreclosure proceedings get put on hold while we work through your case.

For Chapter 7, most cases are resolved within four to six months. Chapter 13 involves a three to five-year repayment plan, but you get to keep more assets and catch up on mortgage payments over time. Either way, you’ll know exactly what to expect at each step because we walk you through the entire process upfront.

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Chapter 7 Chapter 13 Options

What You Get With Us

Complete bankruptcy representation from filing through discharge. We handle all the paperwork, court appearances, and communication with creditors so you can focus on moving forward.

You’ll get a thorough analysis of both Chapter 7 and Chapter 13 options. Many people assume they don’t qualify for Chapter 7, but New York’s exemption laws often allow you to keep more than you’d expect. We make sure you understand exactly what you can protect.

Foreclosure defense is included when needed. If you’re behind on mortgage payments, we can often buy you time and create a plan to save your home through the bankruptcy process. The automatic stay gives us breathing room to negotiate solutions that work for everyone.

Will I lose my house if I file for bankruptcy in Brentwood?

Not necessarily. Chapter 13 bankruptcy is specifically designed to help homeowners catch up on mortgage payments while reorganizing other debts. If you have equity in your home beyond New York’s homestead exemption, Chapter 13 lets you keep the house and pay back creditors over three to five years. Even in Chapter 7, you can often keep your home if you’re current on payments and your equity falls within exemption limits. The key is acting before foreclosure proceedings get too far along.

How much does it cost to file bankruptcy in Brentwood?

Attorney fees for Chapter 7 typically range from $1,500 to $2,500, plus a $338 court filing fee. Chapter 13 cases generally cost between $3,000 to $4,000 in attorney fees, plus a $313 filing fee. We offer payment plans because we understand you’re already dealing with financial stress. Many clients can pay attorney fees over time, and in Chapter 13 cases, some fees can be included in your repayment plan. The consultation is free, so you’ll know all costs upfront before making any decisions.

What debts can be eliminated through bankruptcy in New York?

Most unsecured debts can be discharged, including credit cards, medical bills, personal loans, and old utility bills. You’ll also eliminate most collection accounts and deficiency balances from repossessed vehicles. However, student loans, recent tax debts, child support, and alimony typically cannot be discharged. Secured debts like mortgages and car loans can be handled through bankruptcy, but you’ll need to keep paying if you want to keep the property. We’ll review your specific debts during consultation to give you an accurate picture.

How long does the bankruptcy process take in Brentwood?

Chapter 7 cases typically take four to six months from filing to discharge. You’ll attend one meeting of creditors about 30 days after filing, then wait for the discharge order. Chapter 13 involves a three to five-year repayment plan, but you get immediate protection from creditors when we file. The timeline can vary based on your specific circumstances and whether any complications arise. Most of our clients find the process moves faster than they expected, especially once they see creditor harassment stop immediately after filing.

Will bankruptcy ruin my credit score permanently?

Bankruptcy stays on your credit report for seven to ten years, but your score can start improving much sooner. Many clients see their credit scores increase within 12 to 18 months after discharge because they’ve eliminated the debt that was dragging them down. You can qualify for a mortgage again in as little as two years after Chapter 7 or during a Chapter 13 plan. The key is rebuilding responsibly after bankruptcy. We provide guidance on credit rebuilding strategies as part of our service.

Can I file bankruptcy if I'm still working in Brentwood?

Yes, having a job doesn’t disqualify you from bankruptcy. In fact, steady income can make you a better candidate for Chapter 13 if you want to keep assets like your home. For Chapter 7, we use the means test to determine eligibility based on your income compared to New York median income levels. Many working people qualify for Chapter 7, especially if they have high expenses or dependents. If your income is too high for Chapter 7, Chapter 13 might be the better option anyway, giving you more control over the outcome.

Local Resources

Brentwood, NY is located in Suffolk County in New York State