Bankruptcy Lawyer in Hammel, NY

Stop Foreclosure and Eliminate Debt Fast

Get immediate protection from creditors and a clear path to financial freedom with experienced bankruptcy representation.

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Chapter 7 Bankruptcy Attorney

Your Fresh Start Begins Today

When you file for bankruptcy, the automatic stay kicks in immediately. That means creditor calls stop, wage garnishments end, and foreclosure proceedings halt while we work out your solution.

Most people don’t realize how quickly bankruptcy can turn things around. Chapter 7 cases typically wrap up in three to four months, wiping out credit card debt, medical bills, and personal loans completely. Chapter 13 lets you keep your home while catching up on missed mortgage payments over three to five years.

You’ll sleep better knowing your paycheck stays in your pocket and your home stays in your family. The stress that’s been eating at you for months finally lifts when you have a real plan forward.

Hammel Bankruptcy Law Firm

Local Experience, Real Results

We have been helping Hammel families navigate financial crises for years. We understand the unique pressures facing Long Island residents – high property taxes, expensive housing costs, and the challenge of maintaining middle-class life when unexpected expenses hit.

Our office is right here in your community because bankruptcy law isn’t just about paperwork. It’s about understanding what matters most to local families and protecting those priorities through the legal process.

We’ve guided hundreds of Nassau County residents through both Chapter 7 and Chapter 13 cases, always focusing on what keeps you moving forward rather than looking back at how you got here.

File for Bankruptcy Process

Simple Steps to Financial Freedom

Your bankruptcy process starts with a free consultation where we review your debts, income, and assets to determine which chapter works best for your situation. No pressure, no judgment – just clear answers about your options.

Once you decide to move forward, we handle all the paperwork and court filings. You’ll attend a brief meeting of creditors about six weeks after filing, which is typically just a few simple questions from the trustee. Most clients are surprised how straightforward this step actually is.

For Chapter 7 cases, you receive your discharge in about three months, officially eliminating qualifying debts. Chapter 13 clients start their payment plan immediately, often paying far less than they owed in minimum payments before filing. Either way, you’re protected from day one and moving toward a solution that actually works.

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Debt Relief Lawyer Services

Complete Bankruptcy and Debt Relief

We handle every aspect of your bankruptcy case from start to finish. This includes reviewing all your debts to determine what can be eliminated, protecting your assets under New York exemption laws, and stopping any pending collection actions or foreclosure proceedings.

Many Hammel clients come to us facing foreclosure on homes they’ve owned for decades. We’ve successfully helped families save their homes through Chapter 13 reorganization, allowing them to catch up on missed mortgage payments while eliminating other debts that made those payments impossible.

Our service also includes thorough pre-filing counseling to make sure bankruptcy is your best option. Sometimes we can negotiate with creditors or recommend other debt relief strategies that better fit your situation. You get honest advice about what will actually solve your problem, not just what generates legal fees.

How quickly can bankruptcy stop foreclosure on my home?

Bankruptcy creates an automatic stay the moment we file your case, which immediately stops foreclosure proceedings. If your foreclosure sale is scheduled for next week, filing bankruptcy will postpone it and give you time to explore your options. Chapter 13 bankruptcy is particularly effective for homeowners because it allows you to catch up on missed mortgage payments over three to five years while keeping your home. However, timing matters – the earlier you act, the more options you have available.

What debts can be eliminated through Chapter 7 bankruptcy?

Chapter 7 bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, old utility bills, and collection accounts. It also stops wage garnishments and eliminates your personal liability on most business debts. However, certain debts survive bankruptcy including recent taxes, student loans, child support, alimony, and debts incurred through fraud. During your consultation, we’ll review your specific debts to show you exactly what can be eliminated and what you’ll still owe after your discharge.

Will I lose my car or other property in bankruptcy?

Most people keep all their property in bankruptcy thanks to New York’s exemption laws. You can protect your primary vehicle up to a certain value, your home equity, retirement accounts, household goods, and other essential assets. If you’re current on car payments, you can usually keep making payments and retain the vehicle. The key is proper planning before filing – we’ll review all your assets and structure your case to maximize what you can keep under New York law.

How much does it cost to file bankruptcy in Hammel?

Attorney fees for Chapter 7 cases typically range from $1,500 to $2,500 plus a $338 court filing fee. Chapter 13 cases involve higher attorney fees due to the longer timeline, but these fees are often paid through your repayment plan rather than upfront. We offer payment plans for attorney fees and will discuss all costs during your free consultation. Many clients find that bankruptcy actually saves them money immediately by stopping minimum credit card payments that were getting them nowhere.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy appears on your credit report for ten years, while Chapter 13 shows for seven years. However, most clients start rebuilding credit much sooner than that. Since bankruptcy eliminates your debt-to-income ratio problems, you often qualify for new credit within two years of filing. Many clients are surprised to receive credit card offers within months of their discharge. The key is using bankruptcy as a fresh start to build better financial habits, not just as a way to eliminate current debts.

Can I file bankruptcy if I've already been sued by creditors?

Yes, bankruptcy can stop existing lawsuits and prevent new ones from being filed. If creditors have already obtained judgments against you, bankruptcy typically eliminates those judgments along with the underlying debt. This stops wage garnishments, bank account levies, and other collection activities. The automatic stay protects you from all collection efforts while your case is pending. Even if you’re facing multiple lawsuits or have ignored collection efforts for months, bankruptcy can still provide complete relief from these problems.

Local Resources

Hammel, NY is located in Queens County in New York State