Bankruptcy Lawyer in Coram, NY

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Debt Relief Attorney Coram

What Life Looks Like After

Your phone stops ringing with collection calls. The knot in your stomach when you check the mail disappears. You sleep through the night without worrying about losing your house.

That’s what happens when you file for bankruptcy with proper legal guidance. The automatic stay kicks in immediately, giving you breathing room you haven’t had in months or years. Your wages stay in your paycheck instead of going to garnishments.

Whether you qualify for Chapter 7 bankruptcy to eliminate most debts entirely, or Chapter 13 to reorganize payments you can actually afford, you get a clear path forward. No more drowning in minimum payments that never touch the principal. No more choosing between groceries and the electric bill.

Bankruptcy Law Firm Coram

We Handle This Every Day

We have been helping Long Island families navigate bankruptcy and debt relief for years. We know the local bankruptcy courts, the trustees, and exactly how to present your case for the best possible outcome.

You’re not just another file number here. We understand that financial problems happen to good people – job loss, medical bills, divorce, business failure. These aren’t moral failings. They’re life circumstances that require legal solutions.

Our Coram office serves Suffolk County residents who need an attorney who gets it. Someone who can explain your options in plain English and guide you through the process without judgment.

File For Bankruptcy Coram

Here's How We Handle Everything

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 makes sense for your situation, and if so, which chapter gives you the best fresh start.

If you decide to move forward, we handle all the paperwork and court filings. You’ll attend a required credit counseling session (we’ll tell you exactly where to go), and we’ll prepare you for the meeting of creditors – which sounds scarier than it actually is.

Most Chapter 7 cases are done in 3-4 months. Chapter 13 cases involve a 3-5 year payment plan, but you keep your house and catch up on missed mortgage payments over time. Either way, the creditor calls stop the day we file your petition.

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What's Included In Your Case

Every bankruptcy case includes complete preparation and filing of your petition, schedules, and supporting documents. We handle all communication with the bankruptcy trustee and your creditors from day one.

You get foreclosure defense if you’re behind on your mortgage – we can often buy you months of additional time in your home while working out a solution. If you’re facing wage garnishment or bank account freezes, we file emergency motions to stop them immediately.

We also provide the mandatory credit counseling certificate information and debtor education requirements. Most clients are surprised how straightforward the process actually is when someone explains it clearly and handles the legal complexities for you.

How quickly can bankruptcy stop creditor calls and wage garnishments?

The automatic stay goes into effect the moment we file your bankruptcy petition with the court. This means creditor calls, wage garnishments, bank account freezes, and foreclosure proceedings must stop immediately – usually within 24-48 hours of filing. Any creditor who continues collection efforts after receiving notice of your bankruptcy filing is violating federal law. We notify all your creditors right away, and most stop calling within a few days. If any creditor continues harassing you after filing, we can take legal action against them for violating the automatic stay.

Will I lose my house if I file for bankruptcy?

Most people keep their homes in bankruptcy, especially if you’re current on mortgage payments. New York has generous homestead exemptions that protect equity in your primary residence. If you’re behind on mortgage payments, Chapter 13 bankruptcy actually helps you keep your house by allowing you to catch up on missed payments over 3-5 years while stopping foreclosure. Even in Chapter 7, you can usually keep your home if you can afford the ongoing mortgage payments. We review your specific situation during the free consultation to determine the best strategy for protecting your home.

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

Chapter 7 eliminates most unsecured debts like credit cards, medical bills, and personal loans in about 3-4 months. You don’t make payments to creditors – the debts are simply wiped out. Chapter 13 is a 3-5 year repayment plan where you pay back a portion of your debts based on your income and expenses. Chapter 13 is often better if you’re behind on mortgage payments, have significant assets to protect, or make too much money to qualify for Chapter 7. We help you determine which chapter gives you the best fresh start based on your specific financial situation.

How much does it cost to file bankruptcy in New York?

Chapter 7 bankruptcy typically costs between $1,500-$2,500 in attorney fees plus a $338 court filing fee. Chapter 13 cases generally range from $3,000-$4,000 in attorney fees plus a $313 filing fee, with most attorney fees paid through your repayment plan. We offer payment plans and accept cases where attorney fees are paid over time rather than all upfront. The cost of bankruptcy is almost always less than what you’d pay continuing to make minimum payments on debts that will take decades to pay off. We provide exact pricing during your free consultation based on your case complexity.

Will bankruptcy ruin my credit score permanently?

Bankruptcy appears on your credit report for 7-10 years, but most people see their credit scores start improving within 12-18 months after filing. If you’re already behind on payments and dealing with collections, your credit is likely already damaged. Many clients are surprised that their credit scores actually improve faster after bankruptcy than if they continued struggling with unmanageable debt payments. You can often qualify for a car loan within a year and a mortgage within 2-3 years after bankruptcy discharge. The key is rebuilding credit responsibly after getting your fresh start.

Do I qualify for bankruptcy if I have a job?

Having a job doesn’t disqualify you from bankruptcy – most people who file bankruptcy are working. For Chapter 7, we use the “means test” to compare your income to New York median income levels and determine if you qualify. Many working families qualify for Chapter 7 even with steady employment, especially if they have high expenses or dependents. If your income is too high for Chapter 7, Chapter 13 might be a better option since it’s designed for people with regular income who can make manageable monthly payments. We review your pay stubs, tax returns, and monthly expenses to determine which chapter works best for your situation.

Local Resources

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