Bankruptcy Lawyer in Briar Park, NY

Stop Creditor Calls and Reclaim Your Life

Get immediate protection from debt collectors and start fresh with experienced bankruptcy representation in Briar Park.

Hear from Our Customers

Debt Relief Attorney Briar Park

What Bankruptcy Actually Does for You

You wake up without that knot in your stomach. Your phone stops ringing with collection calls because creditors legally can’t contact you anymore.

The automatic stay kicks in the moment we file your case. Wage garnishments stop. Bank account freezes end. Foreclosure proceedings halt.

Chapter 7 wipes out credit card debt, medical bills, and other unsecured obligations completely. Chapter 13 lets you keep your house while reorganizing payments you can actually afford. Both give you breathing room to rebuild without drowning in interest and penalties that never seem to end.

Bankruptcy Law Firm Briar Park

We Handle New York Bankruptcy Law Daily

The Frank Law Firm P.C. has been helping Briar Park residents navigate bankruptcy and debt relief for years. We know the local courts, trustees, and procedures that affect your case.

You’re not getting a one-size-fits-all approach here. We’ve seen how medical emergencies, job losses, and business failures hit families in this area. We understand the cost of living pressures that make debt spiral out of control.

Our focus stays on getting you real results – debt discharge, asset protection, and a clear path forward. Not lengthy consultations that go nowhere.

File for Bankruptcy Briar Park

Here's Exactly What Happens Next

First, we meet for a free consultation where you bring your debts, income, and asset information. We review everything and determine if Chapter 7 or Chapter 13 makes more sense for your situation.

Once you decide to move forward, we prepare and file your bankruptcy petition. The automatic stay goes into effect immediately – creditors must stop all collection activities that same day.

You’ll attend a meeting of creditors about 30 days later. We prepare you for this and handle any issues that come up. In Chapter 7, you typically receive your discharge in 3-4 months. Chapter 13 involves a 3-5 year payment plan, but you keep your assets and catch up on missed mortgage payments.

Ready to get started?

Explore More Services

About Frank Law Firm, P.C.

Get a Free Consultation

Chapter 7 Chapter 13 Attorney

Complete Bankruptcy and Foreclosure Defense Services

We handle both Chapter 7 liquidation and Chapter 13 reorganization cases. Chapter 7 eliminates most debts in 3-4 months if you qualify. Chapter 13 stops foreclosure and lets you catch up on mortgage payments over 3-5 years.

Foreclosure defense often works hand-in-hand with bankruptcy. We can challenge improper foreclosure procedures while using bankruptcy to reorganize your mortgage payments. Many Briar Park homeowners don’t realize they have multiple options to save their house.

We also negotiate with creditors outside of bankruptcy when that makes more sense. Sometimes a payment plan or settlement works better than filing. We’ll tell you honestly which approach gives you the best outcome for your specific situation.

How quickly can bankruptcy stop creditor harassment and collection calls?

The automatic stay goes into effect immediately when we file your bankruptcy petition – usually within hours. Creditors must stop all collection calls, letters, wage garnishments, and bank account levies that same day. Any creditor who continues collection activities after receiving notice of your bankruptcy filing violates federal law and can face penalties. We notify major creditors right away, and most collection activity stops within 24-48 hours of filing. This immediate relief is one of the most powerful benefits of bankruptcy protection.

Can I keep my house if I file for bankruptcy in New York?

Yes, you can often keep your house through bankruptcy, especially with Chapter 13. New York’s homestead exemption protects up to $170,825 of home equity in most cases. If you’re behind on mortgage payments, Chapter 13 lets you catch up over 3-5 years while stopping foreclosure. Even in Chapter 7, you can keep your house if you’re current on payments and your equity falls within exemption limits. We analyze your specific situation during consultation to determine the best strategy for protecting your home.

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

Chapter 7 eliminates most debts in 3-4 months without a payment plan, but you might lose non-exempt assets. Chapter 13 involves a 3-5 year payment plan based on your income, but you keep all your property. Chapter 7 works well if you have limited income and few assets. Chapter 13 is better if you’re behind on mortgage payments, have significant assets to protect, or earn too much to qualify for Chapter 7. We help you determine which chapter provides the best outcome based on your income, debts, and assets.

How much does it cost to file bankruptcy with your firm?

Chapter 7 attorney fees typically range from $1,500-$2,000 plus the $338 court filing fee. Chapter 13 fees are usually $3,500-$4,000 plus the $313 filing fee, with most of the attorney fee paid through your payment plan. We offer payment plans for Chapter 7 cases and require minimal upfront payment for Chapter 13. During your free consultation, we provide exact pricing based on your case complexity. We believe cost shouldn’t prevent you from getting debt relief when you need it most.

Will bankruptcy ruin my credit score permanently?

Bankruptcy appears on your credit report for 7-10 years, but most people see credit improvement within 12-18 months after discharge. If you’re already behind on payments, bankruptcy often helps your credit faster than continuing to struggle with unmanageable debt. You can typically qualify for a car loan within 1-2 years and a mortgage within 2-3 years after bankruptcy. Many clients are surprised how quickly they can rebuild credit when they’re not drowning in monthly debt payments they can’t afford.

Do I have to list all my debts and creditors in bankruptcy?

Yes, federal law requires listing all debts and creditors in your bankruptcy petition – even debts you want to keep paying. This includes mortgages, car loans, credit cards, medical bills, personal loans, and money owed to family members. Hiding debts or assets is bankruptcy fraud and can result in criminal charges. However, listing a debt doesn’t mean it gets eliminated – secured debts like mortgages and car loans can be kept if you continue payments. We help ensure your petition is complete and accurate to avoid any legal issues.

Local Resources

Briar Park, NY is located in Hamilton County in New York State