Bankruptcy Lawyer in Astoria, NY

Stop Creditor Calls and Foreclosure Today

Get immediate relief from debt stress with experienced bankruptcy representation in Queens County.

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Chapter 7 and 13 Bankruptcy Attorney

Your Fresh Financial Start Begins Here

You’re drowning in bills, and every phone call makes your stomach drop. The mail brings more threats, and you’re losing sleep wondering how you’ll keep your home or feed your family.

Bankruptcy isn’t failure—it’s a legal tool designed to give people exactly like you a second chance. When you file, an automatic stay immediately stops creditor calls, wage garnishments, and foreclosure proceedings. The harassment ends the day we file your case.

Chapter 7 can eliminate credit card debt, medical bills, and personal loans in just a few months. Chapter 13 lets you keep your home while creating a manageable payment plan. Either way, you get breathing room to rebuild your life without the crushing weight of impossible debt.

Astoria Debt Relief Law Firm

Queens Community Bankruptcy Experience You Need

We have helped hundreds of Astoria and Queens residents navigate financial crises with dignity and practical solutions. We understand the unique challenges facing working families in this community—from rising housing costs to job market pressures.

Our office is right here in your neighborhood because we believe legal help should be accessible when you need it most. We’ve handled cases in the Eastern District of New York courts for years, so we know exactly how local trustees and judges handle bankruptcy proceedings.

You won’t get shuffled between paralegals or treated like just another case number. When you’re facing financial stress, you deserve an attorney who takes time to understand your specific situation and explains your options in plain English.

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How to File Bankruptcy Process

Simple Steps to Financial Freedom

Your bankruptcy case starts with a free consultation where we review your debts, income, and assets. No judgment, no pressure—just honest answers about whether bankruptcy makes sense for your situation.

If you decide to move forward, we handle all the paperwork and court filings. You’ll need to gather some financial documents, but we guide you through exactly what’s required. Most clients are surprised how straightforward the process actually is.

Once we file your case, the automatic stay kicks in immediately. Creditor calls stop, wage garnishments end, and foreclosure proceedings pause. You’ll attend one meeting with the bankruptcy trustee—we prepare you thoroughly and attend with you. For Chapter 7 cases, most people receive their discharge in 3-4 months. Chapter 13 cases involve a 3-5 year payment plan, but you keep your assets while catching up on important debts like your mortgage.

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About Frank Law Firm, P.C.

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Foreclosure Defense and Debt Relief

Complete Protection for Your Financial Future

Every bankruptcy case includes immediate foreclosure defense if you’re behind on mortgage payments. We work directly with your lender to explore loss mitigation options while your bankruptcy case provides legal protection.

Our debt relief services cover everything from credit card debt and medical bills to tax issues and business debts. We also handle wage garnishment defense, creditor harassment cases, and asset protection planning.

You get personalized attention throughout your case, not a cookie-cutter approach. Queens families face unique financial pressures, and we tailor our strategy to your specific circumstances. Whether you’re a small business owner dealing with commercial debt or a family struggling with medical bills, we have the experience to guide you through the most effective debt relief options available under federal bankruptcy law.

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Bankruptcy creates an automatic stay the moment we file your case, which immediately stops foreclosure proceedings. This gives you breathing room to explore options like Chapter 13, which allows you to catch up on missed mortgage payments over 3-5 years while keeping your home. Even if the foreclosure sale is scheduled for next week, filing bankruptcy will halt the process. However, timing matters—the earlier you contact us, the more options we can explore to save your home and create a sustainable solution for your mortgage debt.
Chapter 7 eliminates most unsecured debts like credit cards and medical bills in about 4 months, but you may need to surrender non-exempt assets. Chapter 13 creates a 3-5 year payment plan that lets you keep your property while catching up on missed mortgage or car payments. Your income determines which chapter you qualify for—there’s a means test for Chapter 7. Most of our Astoria clients prefer Chapter 7 when possible because it’s faster and cheaper, but Chapter 13 is better if you’re behind on your mortgage and want to keep your home.
New York bankruptcy exemptions protect most of your essential property, including your car (up to $4,550 in equity), household goods, clothing, and tools needed for work. You can often keep your car even if you owe more than it’s worth by continuing payments or negotiating with the lender. The goal isn’t to leave you with nothing—it’s to give you a fresh start with the basics you need to rebuild. We review your assets during your free consultation and explain exactly what you can keep under New York’s exemption laws.
Chapter 7 attorney fees typically range from $1,500-$2,000, plus a $338 court filing fee. Chapter 13 cases cost more because they involve ongoing work over 3-5 years. We offer payment plans because we understand you’re filing bankruptcy precisely because money is tight. Many clients use their tax refund or stop paying credit cards they plan to discharge to save up for legal fees. The cost of bankruptcy is usually much less than continuing to struggle with minimum payments on debts you’ll never realistically pay off.
Chapter 7 bankruptcy appears on your credit report for 10 years, while Chapter 13 shows for 7 years. However, most clients see their credit score start improving within 6-12 months after filing because their debt-to-income ratio improves dramatically. You can often qualify for a car loan within a year and an FHA mortgage within 2-3 years. Many people are surprised that bankruptcy actually helps their credit faster than struggling with late payments and high balances for years. The key is rebuilding responsibly after your discharge.
Bankruptcy can discharge income tax debt that’s over 3 years old and meets certain criteria, but recent tax debt usually survives bankruptcy. We can often set up payment plans for non-dischargeable tax debt through Chapter 13. Student loans are harder to discharge and require proving “undue hardship” in a separate court proceeding, which has a high legal standard. However, bankruptcy can eliminate your other debts, freeing up money to handle student loans and taxes. We review your specific tax and student loan situation during consultation to explain your realistic options.

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