Bankruptcy Lawyer in Argo Village, NY

Stop the Calls, Save Your Home

Get immediate creditor protection and explore your debt relief options with an experienced Argo Village bankruptcy attorney.

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Chapter 7 Bankruptcy Attorney Services

What Life Looks Like After Filing

The phone stops ringing. You sleep through the night without worrying about tomorrow’s mail. Your paycheck stays in your account instead of going to creditors.

That’s what happens when you file for bankruptcy protection. The automatic stay kicks in immediately, stopping collection calls, wage garnishments, and foreclosure proceedings. You get breathing room to rebuild.

Most people don’t realize how quickly bankruptcy can turn things around. Within months, you’re making decisions based on your actual income instead of juggling minimum payments. You’re planning for your family’s future instead of scrambling to cover last month’s emergencies.

Argo Village Debt Relief Lawyer

We Know This Area's Financial Challenges

We at The Frank Law Firm P.C. have been helping Argo Village families navigate bankruptcy and debt relief for years. We understand the local economy, the job market pressures, and what it’s like when medical bills or business setbacks hit working families hard.

You won’t get judgment here. You’ll get straight answers about your options, realistic timelines, and a clear path forward. We’ve filed hundreds of Chapter 7 and Chapter 13 cases in New York courts, and we know which approach works best for different situations.

This isn’t about shame or failure. It’s about using the legal tools available to get your financial life back on track.

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How to File for Bankruptcy

Your Step-by-Step Path to Debt Relief

First, we sit down and review your complete financial picture. Income, debts, assets, monthly expenses. We determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.

Next, we prepare and file your bankruptcy petition with the court. The automatic stay goes into effect immediately, stopping all collection activity. Your creditors can’t call, garnish wages, or pursue foreclosure while your case is active.

Then we guide you through the required credit counseling, help you prepare for the meeting of creditors, and handle all communication with the bankruptcy trustee. Most Chapter 7 cases are complete within four to six months. Chapter 13 cases involve a payment plan that typically runs three to five years, but you keep your assets and catch up on missed mortgage payments over time.

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Foreclosure Defense Attorney Services

Complete Bankruptcy and Foreclosure Protection

When you work with us, you get comprehensive debt relief services. We handle Chapter 7 liquidation cases for people who qualify based on income and want to eliminate unsecured debt completely. We also file Chapter 13 reorganization cases for homeowners who need to catch up on mortgage payments while keeping their property.

Our foreclosure defense work often goes hand-in-hand with bankruptcy filing. We can stop foreclosure proceedings through the automatic stay, then help you work out a plan to keep your home. Many clients don’t realize that bankruptcy can actually be the key to saving their house.

We also provide ongoing guidance about rebuilding credit after bankruptcy, dealing with any remaining secured debts, and avoiding the financial mistakes that led to filing in the first place. The goal isn’t just to get you through bankruptcy – it’s to set you up for long-term financial stability.

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Bankruptcy creates an automatic stay the moment we file your petition with the court, which immediately stops foreclosure proceedings. If your home is scheduled for sheriff’s sale next week, filing bankruptcy can halt that sale 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 3-5 years while keeping your house. The key is acting quickly – once your home is actually sold at foreclosure, bankruptcy can’t get it back.
Chapter 7 is liquidation bankruptcy that eliminates most unsecured debts like credit cards and medical bills within 4-6 months. You must pass a means test based on your income, and you might lose non-exempt assets. Chapter 13 is reorganization bankruptcy where you keep your property but pay creditors through a 3-5 year plan based on your disposable income. Chapter 13 works better if you’re behind on mortgage payments, have significant assets to protect, or earn too much to qualify for Chapter 7. Most people in Argo Village qualify for Chapter 7, but we analyze your specific situation to recommend the best option.
Most people keep their car and household belongings in bankruptcy. New York has generous exemption laws that protect your primary vehicle up to a certain value, all necessary clothing, household furniture, and appliances. If you’re current on your car loan, you can usually keep making payments and retain the vehicle. The exemptions are designed to let you maintain a basic standard of living while eliminating debt. We review your assets during consultation to identify anything that might be at risk and discuss strategies to protect important property.
Attorney fees vary based on whether you file Chapter 7 or Chapter 13 and the complexity of your case. Chapter 7 cases typically cost less because they’re completed faster. We offer payment plans because we understand you’re filing bankruptcy due to financial hardship – we don’t expect you to pay large legal fees upfront. The court filing fee is separate from attorney fees, but we can help you apply to pay that in installments too. During your free consultation, we’ll give you exact pricing based on your situation and discuss payment options that work with your budget.
Chapter 7 bankruptcy appears on your credit report for 10 years, while Chapter 13 shows for 7 years. However, the impact on your credit score decreases significantly over time, especially if you rebuild credit responsibly. Many clients see their credit scores improve within 12-18 months after filing because they’ve eliminated debt and reduced their debt-to-income ratio. You can often qualify for a car loan within a year and a mortgage within 2-3 years after bankruptcy discharge. The key is starting to rebuild credit immediately after filing by using secured credit cards and making all payments on time.
Some tax debts can be eliminated in bankruptcy, but there are strict rules about timing and type of taxes. Generally, income tax debts older than three years that meet certain criteria can be discharged in Chapter 7. Recent tax debts and penalties usually survive bankruptcy. Student loans are much harder to eliminate and require proving “undue hardship” in a separate court proceeding, which has a very high legal standard. However, Chapter 13 can help you manage tax debts and student loans by creating an affordable payment plan and stopping collection activity. We analyze your specific tax and student loan situation to explain what bankruptcy can and cannot accomplish.

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