Bankruptcy Lawyer in Cambria Heights, NY

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Chapter 7 Bankruptcy Attorney Queens

What Life Looks Like After Filing

The phone stops ringing. You sleep through the night without worrying about tomorrow’s mail. Your paycheck stays in your account instead of going to creditors.

That’s what happens when you file for bankruptcy protection. The automatic stay kicks in immediately, stopping all collection activities, wage garnishments, and foreclosure proceedings. You get breathing room to figure out your next steps.

Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and other unsecured debts in as little as three to four months. Chapter 13 lets you keep your home while catching up on missed mortgage payments through a manageable repayment plan. Either way, you’re looking at a real path forward instead of drowning in debt that keeps growing no matter how much you pay.

Bankruptcy Law Firm Cambria Heights

We Know Queens, We Know Bankruptcy

The Frank Law Firm P.C. has been helping Cambria Heights families navigate financial crises for years. We understand the unique challenges facing Queens residents – from high housing costs to economic uncertainty.

You’re not getting a bankruptcy mill that processes hundreds of cases without knowing your name. You’re getting an attorney who takes the time to understand your situation and explain your options in plain English. We’ve seen what works in the New York Eastern District Bankruptcy Court, and we know how to protect your interests throughout the process.

File for Bankruptcy New York

Here's Exactly What Happens Next

First, we sit down for a free consultation to review your debts, income, and assets. No sales pitch – just an honest assessment of whether bankruptcy is right for you and which chapter makes the most sense.

If 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 the trustee, and guide you through the meeting of creditors.

For Chapter 7 cases, most people receive their discharge in three to four months. Chapter 13 cases involve a three to five year repayment plan, but you keep your property and catch up on missed payments over time. Throughout the process, we’re available to answer questions and address any issues that come up.

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Debt Relief Lawyer Cambria Heights

Complete Bankruptcy and Debt Relief Services

We handle both Chapter 7 and Chapter 13 bankruptcy cases, foreclosure defense, and debt negotiation. Every case includes a thorough review of your financial situation, preparation of all required documents, and representation at court hearings.

You’ll also get guidance on rebuilding your credit after bankruptcy and protecting your fresh start. Many Cambria Heights clients are surprised to learn they can qualify for a mortgage just two years after a Chapter 7 discharge with proper planning.

We offer flexible payment plans because we understand you’re filing bankruptcy for a reason. The goal is to get you the relief you need without creating additional financial stress. Most Chapter 7 cases can be handled for a flat fee, and Chapter 13 fees can often be included in your repayment plan.

How quickly can bankruptcy stop foreclosure on my Cambria Heights home?

Bankruptcy can stop foreclosure immediately through the automatic stay, which goes into effect the moment we file your case. If your home is scheduled for foreclosure sale tomorrow and we file tonight, the sale must be postponed. Chapter 13 bankruptcy is particularly effective for saving homes because it allows you to catch up on missed mortgage payments over three to five years while keeping your house. Even if you’re behind on payments, Chapter 13 can help you keep your Cambria Heights home as long as you can afford the ongoing mortgage payments plus a reasonable amount toward the arrears.

Will I lose everything if I file for bankruptcy in New York?

No, New York has generous exemption laws that protect most of your property. You can typically keep your home (up to $170,825 in equity), your car, household goods, clothing, and retirement accounts. Most Chapter 7 cases in Queens are “no asset” cases, meaning you don’t lose any property. The exemptions are designed to let you keep what you need for a fresh start. During your free consultation, we’ll review your assets and explain exactly what’s protected under New York law. The goal of bankruptcy is to give you relief, not to leave you with nothing.

How long does the bankruptcy process take in New York?

Chapter 7 bankruptcy typically takes three to four months from filing to discharge. You’ll attend one meeting of creditors about a month after filing, then wait for the discharge. Chapter 13 takes longer because it involves a repayment plan lasting three to five years, but you get immediate protection and can keep your property. The timeline can vary depending on your specific situation and whether any complications arise, but most straightforward cases follow these general timeframes. We’ll give you a realistic timeline during your consultation based on your particular circumstances.

Can I file for bankruptcy if I'm still working and earning income?

Yes, having income doesn’t disqualify you from bankruptcy. For Chapter 7, we use the means test to determine if your income is below the median for New York or if your disposable income is low enough to qualify. Many working families in Cambria Heights qualify for Chapter 7 even with steady employment. If your income is too high for Chapter 7, Chapter 13 might be a better option – it’s specifically designed for people with regular income who can afford to pay something toward their debts but need time and protection to catch up. Your employment actually helps in Chapter 13 because it shows you can make plan payments.

What debts can be eliminated through bankruptcy in New York?

Bankruptcy can eliminate most unsecured debts including credit cards, medical bills, personal loans, and old utility bills. It can also discharge certain older tax debts and stop wage garnishments. However, you’ll still owe child support, recent taxes, student loans (in most cases), and secured debts like your mortgage and car loan if you want to keep the property. Chapter 13 can help you catch up on missed mortgage or car payments while eliminating your unsecured debts. We’ll review your specific debts during consultation and explain what can be discharged versus what you’ll need to continue paying.

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

Our Chapter 7 fees are typically handled as a flat rate, and we offer payment plans because we understand you’re facing financial difficulties. Chapter 13 attorney fees can often be included in your court-approved repayment plan, so you don’t need to pay everything upfront. The total cost includes court filing fees (set by the federal court) plus attorney fees. We’re transparent about all costs during your free consultation – no surprises or hidden fees. Many clients find that the money they save by stopping credit card payments while we prepare their case helps cover the legal fees. We’d rather work with you on payment arrangements than have you struggle with debt you can legally eliminate.

Local Resources

Cambria Heights, NY is located in Queens County in New York State