Bankruptcy Lawyer in Captree Island, NY

Stop the Calls, Save Your Home

Get immediate relief from creditors and protect what matters most to your family.

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Chapter 7 Bankruptcy Attorney

What Life Looks Like After

The phone stops ringing. Your wages stay in your paycheck. You sleep through the night without worrying about losing your house.

That’s what happens when you file for bankruptcy protection. The automatic stay kicks in immediately, stopping all collection activities, foreclosure proceedings, and wage garnishments. Your creditors can’t contact you directly anymore.

Within months, most of your unsecured debt disappears completely. Credit cards, medical bills, personal loans – gone. You keep your home, your car, and your retirement accounts. You start rebuilding your credit score from a clean slate instead of drowning in payments that barely touch the principal.

Captree Island Bankruptcy Law Firm

We Know Long Island Debt

We’ve been helping Long Island families get out of debt for years. We understand the financial pressures you’re facing – the high property taxes, the cost of living, the economic uncertainty that’s hit our area hard.

We’ve filed hundreds of Chapter 7 and Chapter 13 cases in Nassau County courts. We know the local trustees, the procedures, and exactly what it takes to get your case approved quickly.

You’re not just another case number. You’re a neighbor dealing with a tough situation, and we’re here to help you through it.

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How to File for Bankruptcy

The Process, Step by Step

First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 makes more sense for your situation. Most people qualify for Chapter 7, which eliminates debt in 3-4 months.

Next, we prepare and file your bankruptcy petition. The automatic stay goes into effect immediately – creditors must stop all collection activities that same day. No more calls, no more garnishments, no more foreclosure proceedings.

You’ll attend a brief meeting of creditors about a month later. It’s not in court, and it’s usually over in five minutes. Most creditors don’t even show up. Then we wait for your discharge, which typically comes 60-90 days later. Your qualifying debts are gone forever.

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Debt Relief Lawyer Services

What's Included in Your Case

We handle everything from start to finish. That means preparing all your paperwork, filing with the court, communicating with creditors and trustees, and representing you at your meeting of creditors.

You’ll get a detailed analysis of your debts to make sure we’re eliminating everything possible. We’ll also review your assets to ensure you keep your home, car, and retirement accounts. Most people keep everything they need and lose nothing.

We also provide foreclosure defense services if you’re behind on your mortgage. Chapter 13 bankruptcy can stop foreclosure and give you up to five years to catch up on missed payments while keeping your home.

attorney and client meeting.
Bankruptcy stops foreclosure immediately when we file your case. The automatic stay is a federal court order that prevents creditors from taking any collection action, including foreclosure sales. Even if your house is scheduled for auction next week, filing bankruptcy will stop it. Chapter 13 bankruptcy gives you up to five years to catch up on missed mortgage payments while keeping your home. We’ve stopped foreclosures the day before scheduled sales by filing emergency bankruptcy petitions.
Most people keep their home and car in bankruptcy. New York has generous exemptions that protect your primary residence, vehicle, retirement accounts, and personal belongings. In Chapter 7, you can keep secured property like your house and car as long as you’re current on payments or can catch up quickly. Chapter 13 lets you keep everything while reorganizing your debts. We’ll review your specific situation during your free consultation to show you exactly what you’ll keep.
Chapter 7 bankruptcy typically costs between $1,500-$2,500 in attorney fees plus a $338 court filing fee. Chapter 13 costs more because it involves a 3-5 year payment plan, usually $3,000-$4,000 in attorney fees plus a $313 filing fee. We offer payment plans and accept the filing fee in installments. Many clients use their tax refund or stop paying credit cards for a month to cover the fees. The money you save by eliminating debt payments usually covers the cost within the first month.
Chapter 7 bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, deficiency balances from repossessed cars, and old utility bills. It also stops wage garnishments and bank levies. You’ll still owe secured debts like your mortgage and car loan if you want to keep the property, plus certain priority debts like recent taxes and student loans. Most people eliminate 70-90% of their total debt through Chapter 7 bankruptcy.
Chapter 7 bankruptcy takes about 4 months from filing to discharge. You’ll attend a brief meeting of creditors about 30 days after filing, then receive your discharge 60-90 days later. Chapter 13 involves a 3-5 year payment plan, but you get immediate protection from creditors when we file. The automatic stay stops all collection activities on day one, so you get relief immediately even though the case takes longer to complete.
Bankruptcy actually helps most people rebuild their credit faster than struggling with overwhelming debt. Chapter 7 stays on your credit report for 10 years, but its impact decreases significantly after 2-3 years. Many clients qualify for car loans within months and mortgages within 2-3 years of discharge. Since bankruptcy eliminates your debt-to-income ratio, you often become more attractive to lenders. The key is rebuilding responsibly with a secured credit card and staying current on any remaining obligations like your mortgage.

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