Bankruptcy Lawyer in Hunters Point, NY

Get Real Debt Relief That Actually Works

Stop the calls, save your home, and get the fresh start you deserve with experienced bankruptcy representation.

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Chapter 7 and Chapter 13 Bankruptcy Attorney

What Life Looks Like After Filing

The phone stops ringing with creditor calls. Your wages stay in your paycheck instead of going to garnishments. You sleep through the night without worrying about losing your home.

Filing for bankruptcy isn’t about giving up—it’s about taking control. When you work with an experienced bankruptcy attorney, you get immediate protection through the automatic stay, which stops foreclosure proceedings, wage garnishments, and creditor harassment the moment your case is filed.

Whether you qualify for Chapter 7 bankruptcy to discharge most of your unsecured debts, or Chapter 13 bankruptcy gives you a manageable repayment plan, you’ll have a clear path forward. Most of our clients see their financial stress drop dramatically within weeks of filing, and they’re surprised by how much of their property and income they get to keep.

Experienced Hunters Point Bankruptcy Law Firm

We Know New York Bankruptcy Law

We have been helping Hunters Point families navigate bankruptcy and debt relief for years. We understand the specific challenges facing residents in our community—from high housing costs to job market pressures.

We’re licensed to practice in New York’s bankruptcy courts and know how local trustees and judges handle cases. This isn’t our side practice—bankruptcy and debt relief law is what we focus on every day.

You’ll work directly with an attorney who understands both the legal process and the stress you’re dealing with. We’ve seen families go from overwhelming debt to financial stability, and we know how to protect your assets while getting you the fresh start you need.

How to File for Bankruptcy

The Process Is Simpler Than You Think

First, we’ll sit down for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation, and explain exactly what you can expect.

Once you decide to move forward, we handle all the paperwork and filing requirements. This includes the petition, schedules of assets and debts, and required financial documents. We’ll also make sure you complete the mandatory credit counseling course.

After filing, the automatic stay goes into effect immediately, stopping creditor actions. You’ll attend a meeting of creditors (called a 341 meeting) where a trustee asks basic questions about your case. We’ll be there with you. In most Chapter 7 cases, you’ll receive your discharge in about four months. Chapter 13 cases involve a 3-5 year repayment plan, but you get immediate protection and a structured path to becoming debt-free.

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About Frank Law Firm, P.C.

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Debt Relief and Foreclosure Defense Services

Complete Debt Relief Representation

When you work with us, you get comprehensive bankruptcy representation that covers every aspect of your case. We handle both Chapter 7 and Chapter 13 bankruptcies, foreclosure defense, and debt negotiation when appropriate.

Our service includes a thorough analysis of your financial situation, protection of exempt assets under New York law, and guidance on rebuilding your credit after discharge. We also help with emergency filings when you’re facing immediate foreclosure or wage garnishment.

You’ll get transparent communication throughout the process. We explain what’s happening at each step, answer your questions in plain English, and make sure you understand your options. Many clients are surprised to learn how much property they can keep and how quickly they can start rebuilding their financial life. We also offer flexible payment plans because we understand that if you’re filing bankruptcy, paying a large attorney fee upfront isn’t realistic.

How quickly can bankruptcy stop foreclosure on my home?

Bankruptcy can stop foreclosure immediately through the automatic stay, which goes into effect the moment your case is filed. Even if a foreclosure sale is scheduled for tomorrow, filing bankruptcy today will halt the process. In Chapter 13 bankruptcy, you can catch up on missed mortgage payments through your repayment plan while keeping your home. Chapter 7 may give you time to negotiate with your lender or explore other options. The key is acting quickly—once a foreclosure sale happens, it’s much harder to undo. If you’re facing foreclosure, don’t wait to get legal help.

What's the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 bankruptcy typically takes 4-6 months and discharges most of your unsecured debts like credit cards and medical bills. You may have to give up some non-exempt property, but most people keep their home, car, and personal belongings. Chapter 13 bankruptcy involves a 3-5 year repayment plan where you pay back a portion of your debts based on your income. It’s often better if you’re behind on your mortgage, have significant assets to protect, or earn too much to qualify for Chapter 7. Chapter 13 also lets you strip off second mortgages in some cases and catch up on tax debts. The right choice depends on your specific financial situation, income, and goals.

Will I lose my house and car if I file bankruptcy?

Most people keep their home and car in bankruptcy. New York has generous exemption laws that protect your primary residence up to a certain amount, one vehicle, household goods, and other essential property. If you’re current on your mortgage and car payments, you can usually keep making payments and retain the property. If you’re behind on payments, Chapter 13 bankruptcy lets you catch up over time. Even in Chapter 7, you can often work out agreements with lenders to keep property you need. The goal of bankruptcy is to give you a fresh start, not leave you homeless or unable to get to work. We’ll review your specific situation and explain exactly what property you can protect.

How much does it cost to file bankruptcy in New York?

Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, plus attorney fees that vary based on the complexity of your case. We offer transparent pricing and payment plans because we understand you’re already dealing with financial stress. Many clients can pay attorney fees over time, and in Chapter 13 cases, attorney fees can often be included in your repayment plan. The cost of bankruptcy is usually much less than continuing to struggle with overwhelming debt, especially when you factor in interest, late fees, and the stress of creditor harassment. During your free consultation, we’ll give you exact pricing for your situation and explain all available payment options.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 stays for 7 years. However, the impact on your credit score decreases significantly over time, especially if you practice good credit habits after filing. Many clients see their credit scores improve within 1-2 years because they’re no longer carrying high debt balances and making late payments. You can start rebuilding credit immediately after filing by getting a secured credit card, making all payments on time, and keeping balances low. Some clients are surprised to receive credit card offers within months of their discharge. The temporary hit to your credit is often worth it for the immediate relief from overwhelming debt and the ability to start fresh.

Can bankruptcy eliminate all my debts including taxes and student loans?

Bankruptcy can eliminate most unsecured debts like credit cards, medical bills, personal loans, and some older tax debts. However, certain debts typically survive bankruptcy, including recent income taxes (less than 3 years old), most student loans, child support, alimony, and debts from fraud or criminal activity. Some tax debts can be discharged if they meet specific timing and filing requirements. Student loans are very difficult to discharge but not impossible in cases of undue hardship. Even if some debts survive bankruptcy, eliminating your other debts often makes the remaining payments much more manageable. We’ll review all your debts and explain exactly what can and cannot be eliminated in your specific situation.

Local Resources

Hunters Point, NY is located in Queens County in New York State