Bankruptcy Lawyer in Deer Wells, NY

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Chapter 7 Bankruptcy Attorney

Your Financial Fresh Start Begins Here

When you file for bankruptcy, the automatic stay kicks in immediately. That means creditor calls stop. Wage garnishments end. Foreclosure proceedings halt.

Chapter 7 bankruptcy can eliminate most of your unsecured debt completely. Credit cards, medical bills, personal loans – gone. You keep essential assets like your home and car while getting rid of what’s drowning you financially.

Chapter 13 bankruptcy lets you restructure your debts into affordable monthly payments over three to five years. You can catch up on mortgage payments, stop foreclosure, and keep your property while getting back on solid ground.

Deer Wells Bankruptcy Law Firm

We Know New York Bankruptcy Law

At The Frank Law Firm P.C., we have helped Deer Wells families navigate financial crises for years. We understand the local court system and know how to move your case efficiently through the process.

You’re not just another file number here. We see the real people behind the paperwork – hardworking individuals who hit rough patches through no fault of their own.

Our focus stays on getting you results fast while treating you with the respect you deserve during this difficult time.

How to File for Bankruptcy

Simple Steps to Financial Freedom

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.

Next, we prepare and file all the paperwork with the bankruptcy court. The automatic stay goes into effect immediately, stopping all collection activity against you.

You’ll attend a meeting of creditors about a month later – a brief, routine proceeding where the trustee asks basic questions about your finances. We’ll be there with you.

Finally, you receive your discharge order eliminating your qualifying debts. Most Chapter 7 cases complete within four months. Chapter 13 cases follow your approved payment plan.

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Debt Relief Lawyer Services

Complete Bankruptcy and Debt Relief

We handle both Chapter 7 and Chapter 13 bankruptcy cases for individuals and married couples. Our services include foreclosure defense to help you keep your home while working through the bankruptcy process.

Many Deer Wells residents face overwhelming medical debt, credit card balances, or business debts. We’ve seen families struggling with bills from unexpected hospital stays, job losses, and economic downturns that hit our local community.

You’ll get honest advice about whether bankruptcy is your best option or if alternatives like debt negotiation might work better. We explain everything in plain English so you understand exactly what’s happening with your case.

How quickly can bankruptcy stop creditor calls and wage garnishments?

The automatic stay takes effect immediately when we file your bankruptcy petition with the court. This means creditor calls, wage garnishments, bank account freezes, and foreclosure proceedings must stop that same day. Creditors who continue collection efforts after receiving notice of your bankruptcy filing can face penalties. The automatic stay is one of bankruptcy’s most powerful protections, giving you breathing room to work through your financial situation without constant harassment.

Will I lose my house if I file for bankruptcy in New York?

Most people keep their homes in bankruptcy. New York’s homestead exemption protects up to $170,825 of equity in your primary residence. If you’re current on mortgage payments, you can usually keep your home in Chapter 7. Chapter 13 bankruptcy actually helps you save your home by letting you catch up on missed mortgage payments over time while stopping foreclosure. We also provide foreclosure defense services to protect your home throughout the bankruptcy process.

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

Chapter 7 eliminates most unsecured debts completely within about four months. You must pass a means test showing your income falls below certain thresholds. Chapter 13 creates a payment plan lasting three to five years where you pay back a portion of your debts based on your income and expenses. Chapter 13 works better if you have regular income and want to keep assets that might not be protected in Chapter 7, or if you need to catch up on mortgage payments.

How much does it cost to file bankruptcy in Deer Wells, NY?

Attorney fees vary based on your case complexity, but we offer free consultations and flexible payment arrangements. Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, though you may qualify for fee waivers based on income. Many clients find bankruptcy actually saves money immediately by stopping expensive collection actions, late fees, and interest charges. We’ll discuss all costs upfront during your consultation so there are no surprises.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy appears on your credit report for 10 years, while Chapter 13 shows for seven years. However, most people see their credit scores start improving within 12-18 months after filing. The key is eliminating overwhelming debt that was already hurting your credit. Many clients qualify for secured credit cards or car loans within a year or two after bankruptcy. We provide guidance on rebuilding credit responsibly after your discharge.

Can bankruptcy eliminate all types of debt?

Bankruptcy eliminates most unsecured debts like credit cards, medical bills, personal loans, and old utility bills. However, certain debts survive bankruptcy including recent taxes, student loans, child support, alimony, and debts from fraud or drunk driving. Secured debts like mortgages and car loans continue if you want to keep the property, though you can surrender these assets and eliminate any remaining balance owed. We’ll review your specific debts during consultation to explain what can and cannot be discharged.

Local Resources

Deer Wells, NY is located in Hamilton County in New York State