Bankruptcy Lawyer in Mastic, NY

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Stop foreclosure, eliminate overwhelming debt, and get your financial life back on track with experienced local representation.

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Mastic Debt Relief Attorney

What Your Life Looks Like After

You wake up without that crushing weight on your chest. The phone isn’t ringing with collection calls anymore. Your mail doesn’t make you anxious.

Your home is protected. The foreclosure notice that kept you up at night is gone. You’re not juggling minimum payments on cards that never seem to get smaller.

Instead, you have a clear path forward. A budget that actually works. Credit that’s rebuilding the right way. You can focus on your family and your future instead of drowning in debt you couldn’t control.

Experienced Mastic Bankruptcy Law Firm

We Know Long Island Debt Problems

We’ve been helping Mastic families navigate financial crises for years. We understand what it’s like to face Long Island’s high cost of living while dealing with unexpected medical bills, job loss, or business problems.

We’re not here to judge your situation. We’ve seen it all, and we know that good people end up in tough spots through no fault of their own. Our job is to get you the relief you need using every tool available under New York bankruptcy law.

How to File Bankruptcy Mastic

Your Path to Financial Freedom

First, we sit down for a free consultation to understand your complete financial picture. No sales pitch, no pressure. We review your debts, income, assets, and goals to determine if bankruptcy is right for you.

If bankruptcy makes sense, we’ll explain whether Chapter 7 or Chapter 13 fits your situation better. Chapter 7 can eliminate most debts in 3-4 months. Chapter 13 lets you keep your home while paying back what you can afford over 3-5 years.

We handle all the paperwork, represent you in court, and guide you through each step. Most clients are surprised how straightforward the process actually is when you have experienced representation.

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About Frank Law Firm, P.C.

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Chapter 7 Chapter 13 Lawyer

Complete Bankruptcy Protection Services

You get full legal representation from start to finish. We prepare and file all required documents, handle creditor communications, and represent you at the meeting of creditors. No surprises, no hidden fees.

For Mastic homeowners, we focus heavily on foreclosure defense and keeping your home protected. We know how to use bankruptcy’s automatic stay to stop foreclosure proceedings and give you breathing room to reorganize your finances.

We also handle the details that matter – like protecting your retirement accounts, ensuring you can keep your car, and making sure you understand how bankruptcy affects your credit and future financial decisions.

How long does the bankruptcy process take in New York?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge in New York. You’ll attend one meeting with the trustee about 30 days after filing, then receive your discharge eliminating most debts. Chapter 13 takes 3-5 years since you’re paying back a portion of your debts through a court-approved plan. However, you get immediate protection from creditors and foreclosure as soon as we file your case.

Can I keep my Mastic home if I file for bankruptcy?

Yes, in most cases you can keep your home. New York’s homestead exemption protects up to $170,825 of equity in your primary residence. If you’re current on your mortgage, Chapter 7 lets you keep the house and eliminate other debts. If you’re behind on payments, Chapter 13 can stop foreclosure and let you catch up over time while keeping the home. We analyze your specific situation to determine the best strategy for protecting your property.

What debts can be eliminated through bankruptcy?

Bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, and old utility bills. It can also eliminate second mortgages and home equity loans in some cases. However, you’ll still owe child support, alimony, recent taxes, and student loans (with rare exceptions). Secured debts like your mortgage and car loan continue, but you can choose to keep the property and continue payments or surrender it and eliminate any remaining balance.

How much does it cost to file bankruptcy in Mastic?

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 will discuss all costs upfront during your free consultation. Many clients find that bankruptcy saves them far more money than it costs by eliminating thousands in debt and stopping expensive collection actions. We can also help you determine if you qualify for a waiver of court fees based on your income.

Will bankruptcy ruin my credit forever?

No, bankruptcy gives you a fresh start to rebuild credit properly. Chapter 7 stays on your credit report for 10 years, Chapter 13 for 7 years, but most clients see their credit scores improve within 12-24 months after filing. That’s because you eliminate debt-to-income ratio problems and can’t file bankruptcy again for several years, making you less risky to lenders. Many clients qualify for car loans within months and mortgages within 2-3 years after bankruptcy.

What happens to my retirement accounts and 401k in bankruptcy?

Your retirement accounts are protected in bankruptcy. 401k plans, IRAs, pensions, and other qualified retirement accounts are exempt from creditors and the bankruptcy trustee. You don’t lose these assets, and we strongly advise against borrowing from retirement accounts to pay debts before filing bankruptcy. It’s better to protect your future financial security and eliminate the debts through bankruptcy instead of depleting retirement savings that creditors can’t touch anyway.

Local Resources

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