Bankruptcy Lawyer in Edgewood, NY

Stop Creditor Calls and Save Your Home

Get immediate relief from debt stress with a bankruptcy lawyer who understands Nassau County families.

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Chapter 7 and Chapter 13 Bankruptcy

What Life Looks Like After Bankruptcy

The phone stops ringing at dinner time. You sleep through the night without worrying about foreclosure notices. Your paycheck stays in your account instead of going straight to creditors.

That’s what happens when you file for bankruptcy with proper legal guidance. Chapter 7 bankruptcy can eliminate most of your unsecured debts in about four months, giving you a complete fresh start. 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 debt relief—you’re getting your life back. The automatic stay kicks in immediately after filing, which means creditors must stop all collection activities. No more garnishments, no more threatening letters, no more harassment calls.

Edgewood Bankruptcy Attorney

We Know Nassau County Bankruptcy Law

The Frank Law Firm P.C. has been helping Edgewood families navigate financial crises for years. We understand the unique pressures facing Long Island residents—high housing costs, property taxes, and the challenge of maintaining middle-class life when unexpected expenses hit.

We’re not here to judge your financial situation. We’re here to solve it. Every case gets personal attention because we know that behind every bankruptcy filing is a real person dealing with real stress.

Our office handles cases throughout Nassau County, so we know the local trustees, judges, and court procedures that will affect your case.

How to File for Bankruptcy

Your Path to Financial Freedom

First, we meet to review your complete financial picture—debts, assets, income, and expenses. This consultation determines whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. We’ll explain exactly what you can expect and answer every question you have.

Next, we prepare and file your bankruptcy petition with the Nassau County bankruptcy court. The automatic stay goes into effect immediately, stopping all creditor actions. We handle all the paperwork, deadlines, and legal requirements so you don’t have to worry about making mistakes.

Finally, we represent you at the meeting of creditors and guide you through the discharge process. Most Chapter 7 cases are complete within four months. Chapter 13 cases involve a payment plan that we’ll negotiate based on what you can actually afford to pay.

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Debt Relief and Foreclosure Defense

Complete Bankruptcy and Debt Relief Services

Our bankruptcy practice covers everything you need for a successful fresh start. We handle Chapter 7 liquidation cases for individuals and families who qualify for complete debt discharge. We also file Chapter 13 reorganization cases for people who want to keep their homes and pay back debts over time.

Beyond bankruptcy filing, we provide foreclosure defense services to help you keep your home. Sometimes bankruptcy isn’t the right solution, so we also negotiate with creditors for payment plans, settlements, and other debt relief options.

You get honest advice about your options, not just a push toward bankruptcy. Every case includes thorough preparation, court representation, and post-discharge guidance to help you rebuild your credit and avoid future financial problems.

How long does Chapter 7 bankruptcy take in Nassau County?

Most Chapter 7 bankruptcy cases in Nassau County are completed within four to six months from filing to discharge. The timeline depends on your specific situation and whether any complications arise, but the majority of cases follow a predictable schedule. You’ll attend a meeting of creditors about 30 days after filing, and if everything goes smoothly, you’ll receive your discharge order about 60 days after that meeting. The automatic stay that stops creditor actions begins immediately when we file your case, so you get relief right away even though the full process takes several months.

Will I lose my house if I file for bankruptcy?

Not necessarily. In Chapter 13 bankruptcy, you can keep your home as long as you stay current on your mortgage payments and follow your repayment plan. New York’s homestead exemption also protects up to $170,825 of home equity in Chapter 7 cases, so many people keep their homes even in liquidation bankruptcy. If you’re behind on mortgage payments, Chapter 13 lets you catch up over time while stopping foreclosure proceedings. The key is acting quickly—the sooner you file, the more options you have to save your home.

What debts cannot be eliminated in bankruptcy?

Certain debts survive bankruptcy discharge, including most student loans, recent tax debts, child support, alimony, and debts incurred through fraud. Secured debts like mortgages and car loans are also treated differently—you can keep the property if you stay current on payments, but the debt remains tied to the collateral. However, bankruptcy eliminates most common debts including credit cards, medical bills, personal loans, and older tax debts. Even if some debts can’t be discharged, bankruptcy often provides enough relief to make your remaining obligations manageable.

How much does it cost to file bankruptcy in Edgewood?

Attorney fees for Chapter 7 bankruptcy typically range from $1,500 to $2,500, plus a $338 court filing fee. Chapter 13 cases generally cost more due to the ongoing nature of the case, usually between $3,000 and $4,000 total. We offer payment plans because we understand you’re filing bankruptcy precisely because money is tight. Many clients pay a portion upfront and arrange to pay the balance over time. The cost of bankruptcy is almost always less than continuing to struggle with unmanageable debt, and the relief you get is immediate.

Can I file bankruptcy if I have a job?

Yes, having a job doesn’t disqualify you from bankruptcy. In fact, steady income can be helpful, especially for Chapter 13 cases where you need to make monthly plan payments. For Chapter 7, we use the means test to determine if your income is low enough to qualify, but many working people still pass this test, especially if they have high expenses or dependents. If your income is too high for Chapter 7, Chapter 13 might be a better option since it’s designed for people with regular income who can pay back some of their debts over time.

How will bankruptcy affect my credit score?

Bankruptcy will lower your credit score initially, but the impact decreases over time, and many people see improvement within two years. If you’re already behind on payments, your credit is likely damaged anyway, so bankruptcy can actually speed up your recovery by eliminating the debts that are hurting your score. Chapter 7 stays on your credit report for 10 years, while Chapter 13 stays for 7 years, but you can start rebuilding credit immediately after filing. Many clients qualify for car loans within a year and mortgages within two to three years of discharge.

Local Resources

Edgewood, NY is located in Greene County in New York State