Bankruptcy Lawyer in Kew Gardens, NY

Stop Creditor Calls and Save Your Home

Get immediate relief from debt collectors and protect your assets with experienced bankruptcy representation in Kew Gardens.

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Chapter 7 and Chapter 13 Bankruptcy Attorney

What Bankruptcy Can Do for You

When you file for bankruptcy, an automatic stay goes into effect immediately. This means creditors must stop calling you, sending collection letters, and attempting to garnish your wages. Your paycheck becomes yours again.

Chapter 7 bankruptcy can eliminate most of your unsecured debts within 3-4 months. Credit card balances, medical bills, and personal loans can be discharged completely. You keep your home, car, and essential belongings through proper exemption planning.

Chapter 13 bankruptcy creates a manageable 3-5 year repayment plan based on what you can actually afford. You catch up on mortgage payments while keeping your house, and remaining balances on credit cards are often discharged at the end of the plan.

Experienced Kew Gardens Bankruptcy Law Firm

Local Representation You Can Trust

We have been helping Kew Gardens residents navigate financial difficulties and bankruptcy proceedings for years. We understand the unique challenges facing Queens families and small business owners.

Our firm focuses exclusively on bankruptcy and debt relief cases in the Eastern District of New York. We know the local court procedures, trustees, and what it takes to get your case approved quickly.

You’ll work directly with an experienced bankruptcy attorney who takes time to explain your options clearly. No legal jargon, no judgment – just practical solutions for your specific situation.

How to File for Bankruptcy

Your Path to Financial Freedom

Your bankruptcy process starts with a free consultation where we review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.

Once we file your petition, the automatic stay takes effect immediately. Creditors must stop all collection activities while we work through your case. We handle all communication with creditors and the bankruptcy trustee.

For Chapter 7 cases, most clients receive their discharge within 90-120 days. Chapter 13 cases involve a repayment plan that we negotiate based on your actual ability to pay. Throughout the process, we keep you informed and handle all court appearances and paperwork.

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Comprehensive Debt Relief Services

Complete Bankruptcy and Foreclosure Defense

Our bankruptcy services include complete petition preparation, asset protection planning, and creditor negotiation. We also handle foreclosure defense to buy you time and explore alternatives to losing your home.

Many Kew Gardens clients come to us facing multiple financial pressures – mortgage arrears, credit card debt, medical bills, and tax obligations. We address all of these issues comprehensively rather than treating each problem separately.

We also provide guidance on rebuilding your credit after bankruptcy. Most clients see their credit scores improve within 12-18 months of discharge because they’re no longer carrying overwhelming debt balances.

How long does the bankruptcy process take in New York?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge in the Eastern District of New York. Chapter 13 cases involve a 3-5 year repayment plan, but you get immediate protection from creditors when we file. The timeline depends on your specific circumstances, but most clients see relief from creditor harassment within days of filing. We’ll give you a realistic timeline during your consultation based on your particular situation and which chapter of bankruptcy makes sense for you.

Will I lose my house if I file for bankruptcy?

Most clients keep their homes in bankruptcy. New York’s homestead exemption protects significant equity in your primary residence. If you’re current on mortgage payments, Chapter 7 won’t affect your home ownership. If you’re behind on payments, Chapter 13 lets you catch up over 3-5 years while stopping foreclosure proceedings. The key is acting before foreclosure proceedings advance too far. We can also negotiate with mortgage companies to modify loan terms or explore other alternatives to keep you in your home.

What debts can be eliminated through bankruptcy?

Chapter 7 bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, and old utility bills. Some tax debts can also be discharged if they meet specific criteria. However, student loans, recent tax obligations, child support, and secured debts like mortgages and car loans are generally not dischargeable. Chapter 13 bankruptcy can help you manage these non-dischargeable debts through a structured repayment plan while still eliminating many unsecured debts at the end of your plan.

How much does it cost to file bankruptcy in Kew Gardens?

Attorney fees for Chapter 7 bankruptcy typically range from $1,500-$2,500 plus court filing fees of $338. Chapter 13 cases generally cost more due to the longer timeline and payment plan administration. Many clients can pay attorney fees in installments before filing, and Chapter 13 attorney fees can often be included in your repayment plan. We provide transparent pricing during your free consultation and work with you on payment arrangements. The cost of bankruptcy is usually much less than continuing to make minimum payments on debts you’ll never be able to pay off.

Will bankruptcy ruin my credit score permanently?

Bankruptcy appears on your credit report for 7-10 years, but most clients see their scores improve within 12-18 months of discharge. This happens because you’re no longer carrying high debt balances and missing payments. Many clients qualify for secured credit cards immediately after discharge and can rebuild their credit systematically. The key is that bankruptcy gives you a fresh start rather than continuing to damage your credit with late payments, collections, and maxed-out credit cards. Most clients find their post-bankruptcy credit is better than their pre-filing credit within two years.

Can I file bankruptcy if I have a job and regular income?

Yes, having a job doesn’t prevent you from filing bankruptcy. Chapter 7 has income limits based on New York’s median income, but many working people qualify through the means test calculation. If your income is too high for Chapter 7, Chapter 13 bankruptcy lets you keep your regular income while paying what you can afford toward debts over 3-5 years. Having steady employment actually helps your bankruptcy case because it shows the court you’re serious about your financial responsibilities. We’ll analyze your income and expenses to determine which chapter works best for your situation.

Local Resources

Kew Gardens, NY is located in Queens County in New York State