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Get the fresh start you deserve with experienced bankruptcy representation that actually understands your situation.
Hear from Our Customers
The phone stops ringing with collection calls. You sleep through the night without worrying about losing your house. Your paycheck stays in your account instead of getting garnished.
That’s what happens when you file for bankruptcy with proper legal guidance. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in as little as four months. Chapter 13 bankruptcy lets you keep your home while paying back what you can actually afford over three to five years.
You’re not just getting rid of debt. You’re getting your life back. The automatic stay kicks in the moment we file your case, which means creditors have to stop calling, stop suing, and stop trying to take your wages. Your foreclosure gets put on hold. You get breathing room to figure out what comes next.
We have been helping Ronkonkoma families navigate financial crises for years. We understand what it’s like living on Long Island where everything costs more but paychecks don’t always keep up.
We’ve seen how medical emergencies, job losses, and business failures can destroy even the most careful financial plans. That’s why we don’t judge. We just get to work on fixing the problem.
Our office is right here in your community because bankruptcy law isn’t one-size-fits-all. New York has specific exemptions that can protect more of your property than you might think. We know which local judges prefer which approaches. We know how to make the system work for you instead of against you.
First, we meet for a free consultation to look at your debts, income, and assets. No sales pitch. Just an honest assessment of whether bankruptcy makes sense for your situation or if there’s a better option.
If we move forward, we’ll gather your financial documents and file your petition with the bankruptcy court. The automatic stay goes into effect immediately, which stops all collection activity. No more calls, no more lawsuits, no more wage garnishments.
About a month later, you’ll attend a meeting of creditors. It sounds scary but it’s usually just a few questions from the trustee about your paperwork. Most creditors don’t even show up. We’ll be there with you to handle any issues that come up.
In Chapter 7, you typically get your discharge in about four months. In Chapter 13, you’ll make payments according to your court-approved plan for three to five years, then get your discharge. Either way, you come out the other side with a fresh start and the knowledge of how to avoid the same problems again.
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Sometimes bankruptcy isn’t the right answer. If you’re behind on your mortgage but have steady income, we might be able to negotiate a loan modification or payment plan that keeps you in your home without filing bankruptcy at all.
We also handle foreclosure defense for homeowners who want to fight back against improper procedures or predatory lending practices. Banks make mistakes. They lose paperwork. They don’t always follow the rules. When they don’t, we hold them accountable.
Our debt relief services extend beyond bankruptcy to include negotiating with creditors, stopping wage garnishments, and protecting your assets from collection lawsuits. We look at your whole financial picture to find the solution that makes the most sense for your family’s future.
The goal isn’t just to solve today’s problem. It’s to set you up so you never have to go through this again. That means understanding what went wrong, making a realistic plan for moving forward, and knowing your rights when creditors come calling.
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