Bankruptcy Lawyer in Copiague Harbor, NY

Stop the Calls, Save Your Home

Get immediate protection from creditors and a clear path to financial freedom with experienced Long Island bankruptcy representation.

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Chapter 7 and Chapter 13 Bankruptcy Attorney

Your Fresh Start Begins Here

When you file for bankruptcy, everything changes immediately. The constant phone calls stop. The foreclosure process halts. The wage garnishment ends.

You get breathing room to think clearly for the first time in months. Chapter 7 bankruptcy can eliminate your credit card debt, medical bills, and personal loans in just a few months. Chapter 13 lets you keep your home while catching up on missed mortgage payments over three to five years.

Most clients tell us they wish they’d called sooner. The relief is real, and it happens fast. You don’t have to choose between groceries and mortgage payments anymore.

Experienced Copiague Harbor Bankruptcy Law Firm

We Know Long Island Bankruptcy Law

We have helped hundreds of Long Island families get out of debt and keep their homes. We understand how expensive it is to live here – the property taxes, the commute costs, the everyday expenses that add up.

You’ll work directly with an experienced bankruptcy attorney, not a paralegal or assistant. We know the local bankruptcy trustees, the court procedures, and how to get your case approved quickly.

We’ve been serving Copiague Harbor and surrounding Nassau County communities for years, and we know what works in New York bankruptcy court.

How to File for Bankruptcy

Simple Process, Immediate Protection

First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.

Once you decide to move forward, we prepare and file your bankruptcy petition. The moment it’s filed, you get automatic stay protection – all collection calls, lawsuits, and foreclosure proceedings must stop immediately.

For Chapter 7, you’ll attend one brief meeting with the bankruptcy trustee about 30 days after filing. Most Chapter 7 cases are complete within four months. Chapter 13 cases involve a payment plan confirmation hearing, then you make monthly payments to the trustee while keeping your assets.

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About Frank Law Firm, P.C.

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Debt Relief and Foreclosure Defense Services

Complete Bankruptcy and Debt Relief Services

We handle every type of bankruptcy case Long Island residents face. Chapter 7 bankruptcy eliminates most unsecured debts like credit cards, medical bills, and personal loans. Chapter 13 bankruptcy stops foreclosure and lets you catch up on mortgage payments while keeping your home.

Our foreclosure defense services buy you time and options when you’re behind on mortgage payments. We negotiate with lenders, challenge improper foreclosure procedures, and help you explore alternatives like loan modifications.

You’ll get honest advice about which debts can be eliminated, which assets you can keep, and realistic timelines for your case. We handle all the paperwork, court filings, and trustee communications so you can focus on rebuilding your financial life.

How quickly can bankruptcy stop foreclosure on my Long Island home?

Bankruptcy stops foreclosure immediately when we file your case. The automatic stay goes into effect the moment your petition hits the court’s electronic filing system, even if a foreclosure sale is scheduled for the next day. This gives you breathing room to explore your options. 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 current on new payments. Even if you’re facing a foreclosure auction, bankruptcy can halt the process and give you a realistic path to keep your home.

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

Chapter 7 bankruptcy eliminates most of your unsecured debts like credit cards, medical bills, and personal loans in about four months. You may have to give up some non-essential assets, but most people keep their home, car, and retirement accounts. Chapter 13 bankruptcy is a three to five year repayment plan that lets you keep all your assets while catching up on missed mortgage or car payments. Chapter 13 is often better if you’re behind on your mortgage, have significant assets you want to protect, or earn too much income to qualify for Chapter 7. We’ll analyze your specific situation to recommend the best option.

How much does it cost to file bankruptcy with a Copiague Harbor attorney?

Attorney fees for Chapter 7 bankruptcy typically range from $1,500 to $2,500, plus a $338 court filing fee. Chapter 13 cases generally cost $3,500 to $4,500 in attorney fees, plus a $313 filing fee. We offer payment plans because we understand you’re filing bankruptcy precisely because money is tight. Many clients pay part of the fee upfront and the balance before we file their case. We’re always upfront about costs during your free consultation, and there are no hidden fees or surprise charges. The investment in professional bankruptcy representation usually pays for itself by protecting your assets and ensuring your case goes smoothly.

Will I lose my house and car if I file bankruptcy?

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 assets as long as you’re current on secured debt payments and the equity doesn’t exceed exemption limits. Chapter 13 lets you keep everything while catching up on missed payments through your repayment plan. The key is staying current on mortgage and car payments after filing. We’ll review your specific assets during consultation and explain exactly what you can keep based on New York bankruptcy exemptions.

How long does bankruptcy stay on my credit report in New York?

Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 remains for 7 years. However, the impact on your credit score decreases significantly over time, especially if you rebuild credit responsibly. Many clients see their credit scores improve within 12-18 months after bankruptcy because their debt-to-income ratio improves dramatically. You can often qualify for a mortgage 2-3 years after Chapter 7 or during a Chapter 13 repayment plan with court approval. The temporary credit impact is usually worth the immediate debt relief and fresh financial start bankruptcy provides.

Can bankruptcy eliminate my medical bills and credit card debt completely?

Yes, bankruptcy typically eliminates 100% of medical bills and credit card debt. These are considered unsecured debts that get discharged in both Chapter 7 and Chapter 13 bankruptcy. Medical debt is one of the leading causes of bankruptcy filings on Long Island, and the relief is immediate and complete. Credit card balances, personal loans, old utility bills, and most other unsecured debts are also eliminated. You won’t owe anything on these debts after your bankruptcy discharge, and creditors cannot attempt to collect them. The only debts that typically survive bankruptcy are student loans, recent taxes, child support, and secured debts like mortgages or car loans.

Local Resources

Copiague Harbor, NY is located in Suffolk County in New York State