Bankruptcy Lawyer in Bethpage, NY

Get Real Relief From Overwhelming Debt

Stop the calls, save your home, and start fresh with experienced bankruptcy representation in Nassau County.

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Chapter 7 Bankruptcy Attorney

What Life Looks Like After Bankruptcy

The phone stops ringing with collection calls. You sleep through the night without worrying about losing your house. Your paycheck stays in your account instead of going to creditors.

That’s what happens when you file for bankruptcy with proper legal guidance. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in as little as four months. Chapter 13 bankruptcy lets you keep your home while paying back what you can afford over three to five years.

You’re not just getting out of debt. You’re getting your life back. Most people see their credit scores start recovering within two years, and many qualify for mortgages again within that same timeframe.

Bethpage Bankruptcy Law Firm

Local Experience That Actually Matters

The Frank Law Firm P.C. has been helping Bethpage and Nassau County residents navigate bankruptcy law for years. We know the local courts, the trustees, and exactly how to position your case for the best outcome.

You won’t get shuffled through a high-volume mill here. Every client gets direct access to an experienced bankruptcy attorney who understands that your financial situation is unique. We’ve seen what works in Nassau County and what doesn’t.

Most importantly, we’ve helped hundreds of Long Island families get the fresh start they deserve without losing the things that matter most to them.

How To File Bankruptcy

The Process Is Simpler Than Expected

First, we meet for a free consultation to review your debts, income, and assets. Most people leave this meeting with a clear understanding of their options and which type of bankruptcy makes sense for their situation.

Next, we handle all the paperwork and filing requirements. This includes the petition, schedules, and required documents that need to be submitted to the Nassau County bankruptcy court. We also make sure you complete the mandatory credit counseling course.

Finally, you attend a brief meeting of creditors (usually 5-10 minutes) where a trustee asks basic questions about your case. For Chapter 7 cases, you typically receive your discharge in about four months. Chapter 13 cases involve a payment plan confirmation hearing, then you make manageable monthly payments while keeping your property.

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Debt Relief Lawyer Services

Complete Bankruptcy And Foreclosure Defense

We handle every aspect of your debt relief case, from initial consultation through final discharge. This includes Chapter 7 liquidation bankruptcy, Chapter 13 reorganization, and foreclosure defense to help you keep your home.

Many Bethpage residents don’t realize they have options beyond bankruptcy. Sometimes we can negotiate directly with creditors or help you modify your mortgage to avoid foreclosure altogether. Other times, bankruptcy is clearly the right path forward.

You’ll get honest advice about which approach makes the most sense for your specific situation. We don’t push bankruptcy on people who have better alternatives, and we don’t waste time with debt settlement companies when bankruptcy would provide faster, more complete relief.

How much does it cost to file bankruptcy in New York?

Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, set by federal law. Attorney fees vary based on case complexity, but most Chapter 7 cases range from $1,500 to $2,500 total. Chapter 13 cases typically cost more due to the ongoing work required over 3-5 years. We offer payment plans and will discuss all costs upfront during your free consultation. Many clients find that bankruptcy attorney fees are far less than what they’re currently paying to creditors each month.

Will I lose my house if I file bankruptcy?

Most people keep their homes in bankruptcy. New York’s homestead exemption protects up to $170,825 in home equity (more for certain counties). If you’re current on mortgage payments and have equity within exemption limits, Chapter 7 won’t affect your home. Chapter 13 actually helps you catch up on missed mortgage payments while stopping foreclosure proceedings. If you’re behind on payments, Chapter 13 is often the best way to save your house and get back on track.

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

Chapter 7 eliminates most debts in about four months without requiring payments to creditors. You must pass a means test showing your income is below median levels for Nassau County. Chapter 13 involves a 3-5 year payment plan where you pay what you can afford, then remaining eligible debts are discharged. Chapter 13 works better if you’re behind on mortgage payments, have significant assets to protect, or earn too much for Chapter 7. Both stop collection actions immediately when filed.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy appears on credit reports for 10 years, while Chapter 13 shows for 7 years. However, most people see their credit scores start improving within 6-12 months after filing. Individual debts included in bankruptcy are removed from your credit report, which often provides an immediate boost. Many clients qualify for car loans within a year and mortgages within 2-3 years. The key is rebuilding credit responsibly after discharge, which we provide guidance on.

Can bankruptcy stop foreclosure on my Bethpage home?

Yes, filing bankruptcy immediately stops foreclosure through the automatic stay. This gives you breathing room to explore options. Chapter 13 is particularly effective for foreclosure defense because it lets you catch up on missed payments over time while keeping your home. Even if the foreclosure sale is scheduled for next week, bankruptcy can stop it. However, timing matters, so don’t wait until the last minute. The sooner you file, the more options you have to save your home.

What debts cannot be eliminated in bankruptcy?

Student loans, recent taxes, child support, alimony, and debts from fraud typically survive bankruptcy. However, older tax debts (usually 3+ years) can often be discharged in Chapter 7. Some student loans may be dischargeable if you can prove undue hardship, though this is difficult. Secured debts like mortgages and car loans continue, but you can choose to surrender the property and eliminate any deficiency balance. Most credit cards, medical bills, personal loans, and old utility bills are completely eliminated.

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Bethpage, NY is located in Nassau County in New York State

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Bankruptcy Lawyer in Bethpage, NY

Get Real Relief From Overwhelming Debt