Bankruptcy Lawyer in Farmingville, NY

Stop the Calls, Save Your Home

Get immediate protection from creditors and keep what matters most to your family.

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Chapter 7 Bankruptcy Attorney

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 with proper legal guidance. Chapter 7 bankruptcy can eliminate most of your unsecured debt in just a few months, giving you the fresh start you need. Chapter 13 bankruptcy lets you keep your home while restructuring your payments into something manageable.

You’re not stuck forever. Bankruptcy gives you legal protection that creditors can’t ignore, and it works immediately. The day you file, all collection activities must stop by federal law.

Farmingville Bankruptcy Law Firm

We Know Suffolk County Courts

We have been helping Long Island families navigate bankruptcy for years. We understand the specific challenges you face living in Suffolk County – the high property taxes, the cost of living, the pressure of maintaining a household while dealing with debt.

You’ll work directly with an experienced bankruptcy attorney, not a paralegal or assistant. We know the local bankruptcy trustees, understand how Suffolk County courts operate, and can guide you through the process without surprises.

We’ve seen families in situations just like yours find relief and rebuild their financial lives. It’s possible, and it’s legal.

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File for Bankruptcy Process

Here's What Actually 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. No pressure, just facts about your options.

If you decide to move forward, we prepare and file your bankruptcy petition. The moment it’s filed, the automatic stay goes into effect. This immediately stops all collection calls, wage garnishments, and foreclosure proceedings.

For Chapter 7, you’ll attend one meeting with the bankruptcy trustee about 30 days after filing. Most cases are completed within 3-4 months. For Chapter 13, we’ll create a 3-5 year payment plan that lets you keep your assets while paying back what you can afford.

Throughout the process, we handle all communication with creditors and the court. You focus on moving forward with your life.

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Debt Relief Lawyer Services

Complete Bankruptcy Representation

We handle every aspect of your bankruptcy case from start to finish. This includes reviewing all your debts and assets, preparing required documents, filing your petition with the Suffolk County bankruptcy court, and representing you at all hearings.

You get foreclosure defense if you’re behind on mortgage payments. We can stop the foreclosure process and help you catch up through Chapter 13, or help you surrender the property without owing additional money through Chapter 7.

Our debt relief services also include stopping wage garnishment, eliminating credit card debt, wiping out medical bills, and protecting your retirement accounts. We know which assets you can keep under New York bankruptcy exemptions and how to maximize your fresh start.

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Bankruptcy can stop foreclosure immediately when we file your case. The automatic stay is a federal law that requires all creditors, including mortgage companies, to halt collection activities the moment your bankruptcy petition is filed with the court. If your foreclosure sale is scheduled for next week, filing bankruptcy will postpone it. Chapter 13 bankruptcy gives you 3-5 years to catch up on missed mortgage payments while keeping your home. Chapter 7 can eliminate other debts so you have more money available for your mortgage, though you’ll still need to stay current going forward.
Chapter 7 bankruptcy eliminates most unsecured debts including credit card balances, medical bills, personal loans, and old utility bills. It also wipes out deficiency balances from repossessed cars or foreclosed homes. However, you’ll still owe secured debts like your current mortgage and car loans if you want to keep those assets. Student loans, recent taxes, child support, and alimony typically cannot be discharged. During your free consultation, we’ll review your specific debts and explain exactly what can be eliminated in your situation.
No, your retirement accounts are protected in bankruptcy. 401(k)s, 403(b)s, pensions, and IRAs are exempt assets under federal law, meaning creditors cannot touch them during bankruptcy proceedings. This includes both traditional and Roth IRAs up to over $1 million. The protection applies whether you file Chapter 7 or Chapter 13 bankruptcy. In fact, bankruptcy often makes more sense than raiding your retirement accounts to pay credit card debt, because you keep your retirement savings and still eliminate the debt through the bankruptcy process.
Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, plus attorney fees which vary based on your case complexity. We offer affordable payment plans and accept payments leading up to filing your case. Many clients find that bankruptcy costs less than making minimum payments on credit cards for just a few months. During your free consultation, we’ll provide a clear breakdown of all costs involved in your specific situation. We believe in transparent pricing with no hidden fees or surprises.
Yes, you can typically keep your car in bankruptcy. If you’re current on your car loan, you can continue making payments and keep the vehicle. If you’re behind on payments, Chapter 13 lets you catch up over time while keeping the car. New York bankruptcy exemptions also protect a certain amount of vehicle equity, so even if you own your car outright, you may be able to keep it. If your car is worth more than the exemption amount, Chapter 13 might be better than Chapter 7. We’ll analyze your specific situation and vehicle value to determine the best approach.
Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge in Suffolk County. You’ll attend one meeting with the trustee about 30 days after filing, then receive your discharge 60-90 days later if there are no complications. Chapter 13 bankruptcy involves a 3-5 year payment plan, but you get immediate protection from creditors when we file your case. The timeline can vary slightly based on your case complexity and court scheduling, but we’ll give you realistic expectations during your consultation and keep you informed throughout the process.

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