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Bankruptcy Lawyer in Sayville, NY

Stop the Calls, Save Your Home

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

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516-246-5577
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Debt Relief Attorney Sayville

What Life Looks Like After

You sleep through the night without jumping at every phone ring. Your paycheck stays in your account instead of disappearing to garnishments. The foreclosure notice stops haunting your mailbox.

Bankruptcy isn’t about losing everything—it’s about keeping what you need while eliminating what’s drowning you. Most clients keep their home, car, and retirement accounts while wiping out credit card debt, medical bills, and other unsecured obligations.

The automatic stay kicks in the moment we file your case. Every collection call stops. Every lawsuit freezes. Every garnishment ends. You get breathing room to rebuild instead of constantly treading water.

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Bankruptcy Law Firm Sayville

Local Attorney, Real Solutions

The Frank Law Firm P.C. has been helping Long Island families navigate bankruptcy law for years. We know the local courts, understand New York’s exemption laws, and have seen every type of financial situation Sayville residents face.

You work directly with an experienced bankruptcy attorney—not a paralegal or case manager. We explain your options in plain English, handle all court appearances, and make sure you understand each step of the process.

Our office serves Sayville and surrounding Suffolk County communities. We understand the local housing market, employment challenges, and financial pressures that bring families to our door.

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File for Bankruptcy Sayville

The Process, Step by Step

First, we meet for a free consultation to review your debts, assets, and income. We determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. Chapter 7 eliminates most debts in 3-4 months. Chapter 13 creates a 3-5 year payment plan that lets you keep your home while catching up on missed payments.

Next, we prepare and file your bankruptcy petition with the court. The automatic stay goes into effect immediately, stopping all collection activities. We handle the required credit counseling, gather necessary documents, and prepare you for the meeting of creditors.

Finally, you complete the process and receive your discharge. Most unsecured debts disappear completely. You keep protected assets and start rebuilding your financial life with a clean slate.

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Chapter 7 Chapter 13 Lawyer

Complete Bankruptcy Representation

We handle both Chapter 7 and Chapter 13 bankruptcy cases for individuals and married couples. Chapter 7 liquidation eliminates most unsecured debts quickly for those who qualify based on income. Chapter 13 reorganization works better for homeowners behind on mortgage payments or those with higher incomes.

Our service includes foreclosure defense when needed. We can stop foreclosure proceedings and negotiate with mortgage companies to modify loan terms or create catch-up payment plans through your bankruptcy case.

Every case includes thorough asset protection planning using New York’s bankruptcy exemptions. We make sure you keep your home equity, vehicle, retirement accounts, and personal property while eliminating debt that’s crushing your budget.

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Will I lose my house if I file for bankruptcy in New York?

Most homeowners keep their house in bankruptcy. New York’s homestead exemption protects significant home equity, and Chapter 13 bankruptcy specifically helps you catch up on missed mortgage payments while eliminating other debts. If you’re current on your mortgage, Chapter 7 typically doesn’t affect your home at all. If you’re behind on payments, Chapter 13 can stop foreclosure and give you up to five years to become current while your other debts get eliminated or reduced.
Attorney fees vary based on case complexity, but we offer affordable payment plans and transparent pricing. Chapter 7 cases typically cost less than Chapter 13 cases due to the shorter timeline and simpler process. Court filing fees are set by federal law—currently $338 for Chapter 7 and $313 for Chapter 13. We discuss all costs upfront during your free consultation and can often arrange payment plans that work with your budget, including accepting partial payment before filing in Chapter 13 cases.
Bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, collection accounts, and old utility bills. It can also eliminate deficiency balances from foreclosed homes or repossessed vehicles. However, certain debts survive bankruptcy including recent taxes, student loans, child support, alimony, and debts incurred through fraud. Secured debts like mortgages and car loans continue if you want to keep the property, but bankruptcy can eliminate your personal liability if you surrender the collateral.
Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge. You’ll attend one meeting of creditors about 30 days after filing, then receive your discharge 60-90 days later if no issues arise. Chapter 13 bankruptcy involves a 3-5 year payment plan, but you get immediate protection when we file and can often keep your home and vehicles throughout the process. The timeline can vary based on case complexity, court schedules, and whether any creditors object to your discharge.
Yes, the automatic stay stops wage garnishment as soon as we file your bankruptcy case. Your employer must stop taking money from your paycheck once they receive notice of the bankruptcy filing. This typically happens within a few days of filing. The garnishment stops even before your case is completed, giving you immediate relief. If garnishment has already started, bankruptcy can sometimes help you recover recently garnished wages, depending on timing and your state’s exemption laws.
You can file bankruptcy again, but timing restrictions apply based on your previous case type and discharge date. If you received a Chapter 7 discharge, you must wait 8 years before filing Chapter 7 again, but only 4 years before filing Chapter 13. If you completed Chapter 13, you can file Chapter 7 after 6 years or Chapter 13 after 2 years. Even if you can’t get a discharge right away, filing can still provide automatic stay protection to stop collection activities while you reorganize your finances.

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

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