Bankruptcy Lawyer in Rockaway Park, NY

Stop Creditors and Save Your Home

Get immediate protection from collections and foreclosure with experienced bankruptcy representation in Queens County.

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Chapter 7 and Chapter 13 Bankruptcy

Your Fresh Start Begins Here

You’re drowning in debt, and every phone call makes your stomach drop. The bills keep coming, but your paycheck stopped stretching months ago. You’re not alone, and you’re not out of options.

Bankruptcy gives you real power to take control back. Chapter 7 can eliminate credit card debt, medical bills, and personal loans in as little as four months. Chapter 13 lets you keep your home while creating a manageable payment plan that actually works with your income.

The automatic stay kicks in the moment we file your case. That means creditors must stop calling, wage garnishments end, and foreclosure proceedings halt. You can finally sleep through the night without wondering what financial disaster tomorrow will bring.

Experienced Rockaway Park Bankruptcy Attorney

Local Experience That Matters

The Frank Law Firm P.C. has been helping Queens County residents navigate financial crises and rebuild their lives through strategic bankruptcy representation. We understand the unique challenges facing Rockaway Park families, from hurricane recovery costs to seasonal employment gaps.

You need an attorney who knows the Eastern District Bankruptcy Court procedures and has relationships with local trustees. We’ve guided hundreds of clients through both Chapter 7 and Chapter 13 cases, protecting homes and eliminating overwhelming debt.

Every case gets personal attention because your financial future deserves more than a cookie-cutter approach. We’re here when you need answers, not just when it’s convenient for us.

How to File for Bankruptcy

Your Clear Path Forward

Your free consultation starts with honest answers about your situation. We’ll review your income, debts, assets, and goals to determine whether Chapter 7 or Chapter 13 makes sense for your circumstances. No judgment, no sales pressure.

Once you decide to move forward, we handle all the paperwork and court filings. You’ll complete a credit counseling course online, and we’ll prepare your petition with every detail the court requires. Most clients can file within two weeks of hiring us.

The automatic stay protection begins immediately upon filing. Your 341 meeting with the trustee happens about a month later – we’ll prepare you completely so you know exactly what to expect. Chapter 7 cases typically close within four months, while Chapter 13 involves a three to five-year payment plan that we’ll help you manage successfully.

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Debt Relief and Foreclosure Defense

Complete Financial Protection Services

Your bankruptcy case includes comprehensive debt analysis, complete petition preparation, and representation at all court proceedings. We handle creditor communications so you can focus on moving forward instead of fielding collection calls.

Foreclosure defense often works hand-in-hand with bankruptcy protection. Chapter 13 lets you catch up on missed mortgage payments over time while keeping your home. We’ll negotiate with your lender and create a sustainable plan that protects your family’s stability.

You also get post-bankruptcy guidance for rebuilding credit and avoiding future financial pitfalls. Many clients see their credit scores improve within 12-18 months after discharge because they’re no longer carrying overwhelming debt loads.

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

Not necessarily. New York’s homestead exemption protects up to $170,825 of home equity in most cases, and Rockaway Park residents may qualify for higher exemptions. Chapter 13 bankruptcy specifically helps you keep your home by creating a payment plan to catch up on missed mortgage payments over three to five years. Even in Chapter 7, you can often keep your house if you’re current on payments and your equity falls within exemption limits. We’ll analyze your specific situation during your free consultation to determine the best strategy for protecting your home.

How long does the bankruptcy process take in Queens County?

Chapter 7 bankruptcy typically takes four to six months from filing to discharge in the Eastern District of New York. You’ll attend one meeting with the trustee about 30 days after filing, and if there are no complications, you’ll receive your discharge about 60 days later. Chapter 13 involves a three to five-year payment plan, but you get immediate protection from creditors when we file your case. Most clients feel relief within days of filing because the automatic stay stops collection calls and legal actions immediately.

What debts can be eliminated through bankruptcy?

Bankruptcy can eliminate most unsecured debts including credit cards, medical bills, personal loans, deficiency balances from repossessed vehicles, and old utility bills. Chapter 7 discharges these debts completely, while Chapter 13 may require partial payment through your plan. However, certain debts survive bankruptcy, including recent taxes, student loans, child support, alimony, and debts incurred through fraud. During your consultation, we’ll review each of your debts to give you a clear picture of what can be eliminated and what obligations will remain.

How much does it cost to file bankruptcy in Rockaway Park?

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 three to five-year commitment, but these fees are often paid through your monthly plan payments. We offer payment plans for Chapter 7 cases and provide transparent pricing upfront with no hidden costs. Your free consultation includes a detailed fee estimate based on your specific circumstances, and we’ll work with you to make quality legal representation affordable.

Will bankruptcy ruin my credit score permanently?

Bankruptcy appears on your credit report for seven to ten years, but many clients see their scores improve within 12-18 months after filing. This happens because you’re no longer carrying overwhelming debt balances and late payments stop accumulating. You can start rebuilding credit immediately after discharge with secured credit cards and responsible financial habits. Many clients qualify for car loans within a year and mortgages within two to three years post-bankruptcy. The key is viewing bankruptcy as a tool for financial recovery, not a permanent mark against you.

Can I stop wage garnishment by filing bankruptcy?

Yes, the automatic stay that goes into effect when we file your bankruptcy case immediately stops wage garnishment, bank account levies, and most other collection activities. Your employer must stop deducting money from your paycheck for unsecured debts like credit cards or medical bills. If you’re facing garnishment for child support or recent taxes, those may continue, but we can often negotiate better payment terms. The sooner you file, the more of your wages you’ll protect, so don’t wait if garnishment papers have been served.

Local Resources

Rockaway Park, NY is located in Queens County in New York State