Bankruptcy Lawyer in Brookhaven, NY

Stop Creditors, Save Your Home, Start Fresh

Get immediate protection from collection calls and foreclosure while eliminating overwhelming debt through proven bankruptcy solutions.

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Chapter 7 and Chapter 13 Bankruptcy

What Life Looks Like After Bankruptcy

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

Most of our Brookhaven clients tell us the relief starts immediately after filing. The automatic stay kicks in, and suddenly you have breathing room to think clearly about your financial future instead of just surviving each day.

Within months, you’re building new credit and making plans again. The shame lifts. Your family relationships improve. You remember what it feels like to have hope about money instead of dread.

Experienced Brookhaven Bankruptcy Attorney

We Know Long Island Debt Problems

We at The Frank Law Firm P.C. have helped hundreds of Long Island families navigate financial crisis through strategic bankruptcy planning. We understand the unique pressures Brookhaven residents face – high property taxes, cost of living increases, and economic uncertainty.

You won’t get judgment here, just practical solutions. We’ve seen every type of debt situation, from medical bankruptcies to business failures to divorce-related financial problems.

Our office serves Nassau and Suffolk County residents who need experienced bankruptcy representation without the Manhattan price tag.

How to File for Bankruptcy

Your Bankruptcy Process, Step by Step

First, we meet for a free consultation to review your debts, income, and assets. No paperwork required – just bring your questions and we’ll determine if bankruptcy makes sense for your situation.

If you decide to move forward, we handle all the filing requirements. You’ll gather some financial documents while we prepare your petition and schedules. Most clients are surprised how straightforward the paperwork process actually is.

After filing, the automatic stay immediately stops all collection activity. We’ll prepare you for the meeting of creditors, which is typically a brief, routine proceeding. Then you wait for your discharge – usually 3-4 months for Chapter 7 or 3-5 years for Chapter 13 payment plans.

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Debt Relief and Foreclosure Defense

Complete Bankruptcy and Debt Relief Services

We handle both Chapter 7 liquidation and Chapter 13 reorganization cases, plus foreclosure defense for homeowners behind on mortgage payments. Many Brookhaven clients benefit from Chapter 13 because it allows you to keep your house while catching up on missed payments over time.

Our debt relief services include stopping wage garnishments, eliminating credit card debt, discharging medical bills, and protecting retirement accounts. We also provide foreclosure defense representation to buy you time and explore alternatives to losing your home.

Each case includes credit rebuilding guidance because your financial fresh start should include a roadmap for building better credit going forward. We want you to succeed long-term, not just get temporary relief.

How quickly can bankruptcy stop foreclosure on my Brookhaven home?

Bankruptcy creates an automatic stay the moment we file your case, which immediately stops foreclosure proceedings. This gives you breathing room to explore your options, whether that’s catching up on payments through Chapter 13 or selling the house without pressure. The foreclosure process cannot continue while your bankruptcy case is active, though you’ll need to stay current on ongoing mortgage payments if you want to keep the house long-term.

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

Chapter 7 eliminates most debts in 3-4 months but requires you to give up non-exempt assets. Chapter 13 lets you keep your property while paying back debts over 3-5 years through a court-approved payment plan. Most Brookhaven homeowners with steady income choose Chapter 13 because it protects their house and allows them to catch up on missed mortgage payments gradually. The choice depends on your income, assets, and financial goals.

Will I lose my house if I file for bankruptcy?

Not necessarily. New York’s homestead exemption protects significant home equity, and Chapter 13 specifically allows you to keep your house while catching up on missed payments. Many of our Brookhaven clients file bankruptcy specifically to save their homes from foreclosure. The key is acting quickly before you fall too far behind on payments. We’ll analyze your situation during the free consultation to determine the best strategy for protecting your home.

How much does it cost to file bankruptcy in Brookhaven?

Attorney fees vary depending on case complexity, but we offer payment plans to make bankruptcy affordable when you need it most. Chapter 7 cases typically cost less than Chapter 13 because they’re shorter and simpler. Court filing fees are set by federal law – currently $338 for Chapter 7 and $313 for Chapter 13. We’ll give you exact pricing during your free consultation, and you can usually pay attorney fees over time rather than all upfront.

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. However, most clients see their credit scores start improving within 12-18 months after filing because their debt-to-income ratio improves dramatically. Many of our Brookhaven clients qualify for car loans within a year and mortgages within 2-3 years post-bankruptcy. The key is rebuilding credit strategically, which we’ll help you understand during the process.

Can bankruptcy eliminate all my debts?

Bankruptcy eliminates most unsecured debts like credit cards, medical bills, personal loans, and old utility bills. However, certain debts survive bankruptcy, including recent taxes, student loans, child support, alimony, and debts from fraud or DUI. Secured debts like mortgages and car loans can be eliminated, but you’ll lose the collateral unless you keep making payments. We’ll review your specific debts during consultation to explain exactly what can be discharged in your situation.

Local Resources

Brookhaven, NY is located in Suffolk County in New York State