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Hear from Our Customers
The phone stops ringing. You sleep through the night without worrying about tomorrow’s mail or next week’s paycheck.
Your wages stay in your pocket instead of going to creditors. The foreclosure notice that’s been hanging over your head gets put on hold, giving you time to breathe and plan.
Most people don’t realize how quickly bankruptcy protection kicks in. The moment we file your case, federal law creates an automatic stay that stops collection calls, wage garnishment, and foreclosure proceedings. You get immediate breathing room while we work on eliminating your qualifying debts for good.
We’ve been helping Long Island families navigate financial crises for years. We know the local bankruptcy trustees, understand how Suffolk County courts operate, and we’ve seen what works.
You’re not just another case number here. We handle each situation with the attention it deserves because we understand what you’re going through.
Most of our clients come to us after trying everything else – debt consolidation, credit counseling, borrowing from family. When those options don’t work, bankruptcy often provides the fresh start people need to rebuild their financial lives.
First, we meet for a free consultation to review your debts, income, and assets. This helps us determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.
Once we file your petition, the automatic stay goes into effect immediately. Creditors must stop calling, wage garnishment ends, and foreclosure proceedings get put on hold while your case moves through the court system.
For Chapter 7 cases, most people complete the process in about four months. Chapter 13 involves a repayment plan that typically lasts three to five years, but you keep your property and catch up on missed mortgage payments over time. Either way, you get a fresh start with a clear path forward.
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We handle everything from preparing your bankruptcy petition to representing you at the meeting of creditors. You don’t navigate this process alone.
Our service includes a thorough review of your debts to determine what can be eliminated, guidance on protecting your assets, and help with all required paperwork and court filings. We also provide foreclosure defense when needed to protect your home while your bankruptcy case is pending.
Many Centereach families worry about losing everything in bankruptcy, but that’s rarely what happens. New York’s exemption laws protect your primary residence equity up to certain limits, your car, retirement accounts, and basic household items. We make sure you understand exactly what you’re keeping and what you’re giving up before you make any decisions.
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