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Get immediate protection from creditors and a clear path to financial freedom with experienced bankruptcy representation.
Hear from Our Customers
The phone stops ringing. Your wages stay in your paycheck. You sleep through the night without worrying about losing your house.
That’s what happens when you file for bankruptcy with proper legal guidance. The automatic stay kicks in immediately, creating a legal shield between you and every creditor, collection agency, and lawsuit threatening your financial stability.
Your dischargeable debts disappear completely. Credit card balances, medical bills, personal loans – gone. If you’re behind on your mortgage, Chapter 13 gives you up to five years to catch up while keeping your home protected. You get breathing room to rebuild instead of drowning in minimum payments that never touch the principal.
We have been helping Bay Hills residents navigate financial crises for years. We understand the local housing market, the cost of living pressures you face, and exactly how New York’s bankruptcy exemptions can protect your assets.
You’re not getting a one-size-fits-all approach. Every case gets individual attention because your situation is unique. We’ve handled everything from straightforward Chapter 7 discharges to complex Chapter 13 reorganizations that save homes from foreclosure.
Our focus stays on your outcome, not our ego. We’ll tell you honestly whether bankruptcy makes sense for your situation or if there’s a better path forward.
First, we analyze your complete financial picture. Income, expenses, assets, debts – everything gets reviewed to determine whether Chapter 7 or Chapter 13 serves you better. This isn’t a quick consultation. We dig deep to understand your goals and concerns.
Next, we prepare and file your bankruptcy petition. The automatic stay goes into effect immediately, stopping all collection activities. Creditors can’t call, sue, garnish wages, or foreclose while your case is active.
Then we guide you through the meeting of creditors and any required financial management courses. Most Chapter 7 cases wrap up in 3-4 months with a discharge order. Chapter 13 cases involve a 3-5 year payment plan, but you keep your assets and catch up on missed mortgage payments over time.
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You get full legal representation from filing through discharge. We handle all paperwork, court appearances, and creditor communications. No surprises, no hidden fees, no passing your case off to paralegals.
Chapter 7 bankruptcy eliminates most unsecured debts in 3-4 months. If you qualify based on income and assets, it’s the fastest path to a fresh start. Chapter 13 reorganizes your debts into a manageable payment plan while protecting your home and other valuable assets.
We also provide foreclosure defense services when bankruptcy isn’t the right solution. Sometimes negotiating loan modifications or fighting improper foreclosure procedures makes more sense than filing. You get honest advice about which approach gives you the best outcome.
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