Bankruptcy Lawyer in College Point, NY

Stop the Debt Cycle Today

Get real debt relief and protect what matters most to you and your family.

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Chapter 7 Bankruptcy Attorney

What Life Looks Like After

You sleep through the night again. No more jumping when the phone rings or avoiding the mailbox because you’re afraid of what’s inside.

Your paycheck is yours again. No more wage garnishments eating away at money you need for groceries and rent. You can actually plan for next month instead of just surviving this one.

The foreclosure notice that’s been haunting you gets dismissed. Your home stays your home. Your kids don’t have to change schools or explain to friends why they’re moving again.

You answer your phone without checking the caller ID first. The constant knot in your stomach loosens because creditors can’t legally harass you anymore. You can focus on your family instead of fielding collection calls during dinner.

College Point Bankruptcy Law Firm

We Know This Area

We’ve been helping College Point families get out of debt for years. We know the local bankruptcy court, the trustees, and exactly how to navigate the system here in Queens.

You’re not just another case number to us. We’re the firm that meets with you face-to-face, explains everything in plain English, and actually returns your calls.

Most of our clients are working people who never thought they’d need a bankruptcy lawyer. Teachers, nurses, small business owners, families dealing with medical bills or job loss. People just like you who need a real solution, not empty promises.

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How to File Bankruptcy

The Process Made Simple

First, we sit down and look at your complete financial picture. No judgment, just facts. We review your debts, income, assets, and goals to determine if Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.

Next, we prepare and file all the paperwork with the bankruptcy court. This includes the petition, schedules, and statements that legally start your case. Once filed, creditors must immediately stop all collection activities against you.

Then you attend one meeting with the bankruptcy trustee, called the 341 meeting. We prepare you for exactly what to expect and attend with you. Most meetings last less than five minutes.

Finally, you receive your discharge order from the court. This legally eliminates your qualifying debts forever. The whole process typically takes 3-4 months for Chapter 7 or 3-5 years for Chapter 13, depending on your specific circumstances.

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Debt Relief Lawyer Services

What You Get With Us

Complete bankruptcy representation from start to finish. We handle all court filings, communicate with creditors and trustees, and guide you through every step of the process.

Foreclosure defense to protect your home. If you’re behind on mortgage payments, we can often stop foreclosure proceedings and help you keep your house through Chapter 13 bankruptcy or loan modification.

Personalized debt relief strategy based on your specific situation. Not everyone needs bankruptcy. Sometimes debt negotiation, payment plans, or other alternatives make more sense. We’ll tell you honestly what we think is your best option.

Local College Point representation means you can meet with your actual attorney, not just a paralegal or assistant. You get our direct phone number and can reach us when you have questions or concerns about your case.

attorney and client meeting.
Chapter 7 bankruptcy typically costs between $1,500-$2,500 in attorney fees plus $338 in court filing fees. Chapter 13 cases usually range from $3,000-$4,500 in attorney fees plus $313 in court costs. We offer payment plans because we understand you’re filing bankruptcy precisely because money is tight. Many clients can pay attorney fees over several months before we file their case. We’re upfront about all costs during your free consultation so there are no surprises later.
Most people keep their homes in bankruptcy. New York has generous homestead exemptions that protect up to $170,825 of equity in your primary residence. If you’re current on mortgage payments, you can usually keep your house in Chapter 7. If you’re behind on payments, Chapter 13 bankruptcy can actually help you catch up and avoid foreclosure by spreading missed payments over 3-5 years. We review your specific situation during consultation to determine the best way to protect your home.
Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge. Chapter 13 takes 3-5 years because you’re making payments to creditors through a court-approved plan. However, you get immediate relief from creditor harassment as soon as we file your case. The automatic stay goes into effect immediately, stopping all collection calls, wage garnishments, and foreclosure proceedings. Most clients feel significant relief within days of filing, even though the full process takes longer to complete.
Most unsecured debts can be discharged, including credit cards, medical bills, personal loans, and old utility bills. Certain debts cannot be eliminated, such as recent taxes, student loans, child support, and debts incurred through fraud. Secured debts like mortgages and car loans can be handled through bankruptcy, but you typically need to keep paying if you want to keep the property. We review your specific debts during consultation to explain exactly what can and cannot be discharged in your situation.
Bankruptcy stays on your credit report for 7-10 years, but its impact decreases significantly over time. Many clients see their credit scores improve within 12-18 months after discharge because they no longer have overwhelming debt dragging down their scores. You can often qualify for a car loan within a year and a mortgage within 2-3 years after bankruptcy. The key is rebuilding credit responsibly after discharge. We provide guidance on credit rebuilding strategies as part of our service.
Chapter 7 eligibility depends on passing the “means test,” which compares your income to the median income for your household size in New York. If your income is below the median, you typically qualify for Chapter 7. If your income is higher, you may need to file Chapter 13 instead. Chapter 13 is also better if you’re behind on mortgage payments and want to keep your house, or if you have significant non-exempt assets you want to protect. We calculate your eligibility during the free consultation and explain which chapter makes more sense for your goals.

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