Bankruptcy Lawyer in Bayberry Point, NY

Stop Creditor Harassment and Get Debt Relief

Protect your home, eliminate overwhelming debt, and get the fresh start you deserve with experienced bankruptcy representation.

Hear from Our Customers

Chapter 7 and Chapter 13 Bankruptcy

What Life Looks Like After Bankruptcy

The phone stops ringing with creditor calls. You sleep through the night without worrying about losing your house. Your paycheck stays in your pocket instead of going to wage garnishment.

Bankruptcy gives you breathing room to rebuild. Most people see their credit scores start improving within 12-18 months after discharge. You keep essential assets like your primary residence and vehicle while eliminating credit card debt, medical bills, and other unsecured obligations.

The automatic stay kicks in immediately when you file, stopping foreclosure proceedings, repossessions, and collection lawsuits. This legal protection gives you time to reorganize your finances or discharge debts entirely, depending on which chapter fits your situation.

Bayberry Point Bankruptcy Law Firm

Local Bankruptcy Attorney You Can Trust

We have been helping Bayberry Point families navigate financial crises for years. We understand the unique challenges facing our community, from high living costs to unexpected medical expenses that can derail even the most careful financial planning.

You’re not just another case number here. We take time to understand your specific situation and explain your options in plain English. Our office handles both Chapter 7 liquidation cases and Chapter 13 reorganization plans, giving you the full range of bankruptcy protection options.

We’ve guided hundreds of local families through the bankruptcy process, from the initial consultation through final discharge. Our focus stays on protecting what matters most to you while eliminating the debt that’s holding you back.

How to File for Bankruptcy

Your Path to Financial Freedom

Your bankruptcy case starts with a free consultation where we review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy better fits your situation and explain exactly what you can expect throughout the process.

Once you decide to move forward, we prepare and file your bankruptcy petition with the court. The automatic stay goes into effect immediately, stopping all collection activities. We handle the paperwork, communicate with creditors, and represent you at the meeting of creditors.

For Chapter 7 cases, most people receive their discharge within 3-4 months. Chapter 13 involves a 3-5 year payment plan, but you get immediate protection while making manageable payments. Either way, you get a fresh start without the crushing weight of unmanageable debt.

Ready to get started?

Explore More Services

About Frank Law Firm, P.C.

Get a Free Consultation

Debt Relief and Foreclosure Defense

Complete Bankruptcy Protection Services

Our bankruptcy representation covers everything from initial filing through final discharge. We handle the credit counseling requirements, prepare all court documents, and represent you at hearings. You get full legal protection without worrying about missing deadlines or making procedural mistakes.

We also provide foreclosure defense for homeowners facing immediate threats to their property. Filing bankruptcy can stop foreclosure proceedings and give you options to save your home through Chapter 13 reorganization or surrender it without owing additional money.

For business owners, we handle both personal and business bankruptcy filings. Many small business owners find themselves personally liable for business debts, and we can address both issues comprehensively. Our goal is protecting your personal assets while dealing with business obligations responsibly.

How quickly can bankruptcy stop creditor harassment and wage garnishment?

The automatic stay goes into effect immediately when your bankruptcy petition is filed with the court, usually within 24-48 hours of our initial meeting if you’re facing imminent wage garnishment or foreclosure. This federal court order legally prohibits creditors from contacting you, continuing collection lawsuits, or taking money from your paycheck. Creditors who violate the automatic stay can face contempt of court charges and monetary penalties. The protection continues throughout your bankruptcy case, giving you months of relief while we work toward a permanent solution through debt discharge or reorganization.

What's the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 bankruptcy eliminates most unsecured debts like credit cards and medical bills within 3-4 months, but you may need to surrender non-exempt assets. Chapter 13 creates a 3-5 year payment plan based on your income, allowing you to keep all your property while catching up on mortgage or car payments. Chapter 7 works best for people with limited income and few assets, while Chapter 13 helps higher-income individuals or those who want to save their home from foreclosure. We’ll analyze your specific financial situation, including income, assets, and types of debt, to determine which chapter provides better protection and outcomes for your circumstances.

Will I lose my house and car if I file bankruptcy?

Most people keep their home and vehicle through bankruptcy exemptions that protect essential assets. New York allows you to protect significant equity in your primary residence and vehicle, plus household goods, retirement accounts, and work tools. In Chapter 7, you can keep exempt property and continue making payments on secured debts like mortgages and car loans. Chapter 13 actually helps you save your home by allowing you to catch up on missed mortgage payments over time while stopping foreclosure. The key is having realistic payment amounts and sufficient income to maintain ongoing obligations. We’ll review your specific assets and debts to show you exactly what you can protect.

How much does bankruptcy cost and can I afford an attorney?

Our bankruptcy representation typically costs between $1,500-$3,500 depending on case complexity, plus court filing fees of $338 for Chapter 7 or $313 for Chapter 13. We offer payment plans because we understand you’re already facing financial hardship – you don’t need to pay everything upfront. Many clients save more money in the first month after filing than they pay in total legal fees, especially if they’re making minimum payments on high-interest credit cards. We also help you stop making payments on debts that will be discharged, freeing up money for living expenses and attorney fees. The consultation is free, so you can understand all costs before making any commitment.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy appears on your credit report for 10 years, while Chapter 13 shows for 7 years from the filing date. However, the impact on your credit score decreases significantly over time, and many people see improvement within 12-18 months after discharge. Individual discharged debts fall off your report after 7 years regardless of the bankruptcy timeline. Most clients find they can qualify for secured credit cards within months of discharge and conventional mortgages within 2-4 years. The key is rebuilding responsibly with on-time payments and low credit utilization. Many people discover their credit scores actually improve faster after bankruptcy than struggling with overwhelming debt payments for years.

What debts cannot be eliminated through bankruptcy?

Certain debts survive bankruptcy discharge, including recent taxes, student loans (with limited exceptions), child support, alimony, and debts from fraud or intentional wrongdoing. Recent luxury purchases over $725 or cash advances over $1,000 within specific timeframes before filing may also be non-dischargeable. However, bankruptcy eliminates most common debts like credit cards, medical bills, personal loans, deficiency balances from repossessions, and older tax obligations. Even for non-dischargeable debts, bankruptcy often provides relief by eliminating other obligations and freeing up income to address remaining responsibilities. We’ll review your specific debts during consultation to explain exactly what can be discharged and help you prioritize payments for obligations that survive bankruptcy.

Local Resources

Bayberry Point, NY is located in Suffolk County in New York State