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Get immediate protection from creditors and foreclosure with experienced Douglaston bankruptcy representation.
Hear from Our Customers
The phone stops ringing at dinner time. Your paycheck stays in your account instead of going to garnishments. You sleep through the night without worrying about losing your house.
That’s what happens when bankruptcy protection kicks in. The automatic stay stops all collection activity immediately – no more harassment, no more threats, no more sleepless nights wondering how you’ll make it through another month.
Whether you qualify for Chapter 7 debt discharge or need Chapter 13 reorganization to save your home, you get breathing room to rebuild. Your essential assets stay protected. Your family stays in their house. You get the fresh start that bankruptcy law was designed to provide.
We have been helping Douglaston families navigate financial crisis for years. We know the Eastern District of New York bankruptcy court system, the local trustees, and exactly how to protect your interests.
You’re not getting shuffled through a bankruptcy mill. You’re working with attorneys who understand that behind every case is a family trying to get back on their feet. We’ve seen every type of financial situation Douglaston residents face – from medical debt disasters to business failures to job loss.
First, we sit down and look at your complete financial picture. Income, debts, assets, expenses – everything goes on the table so we can determine if Chapter 7 or Chapter 13 makes more sense for your situation.
Once we file your petition, the automatic stay goes into effect immediately. Creditors must stop all collection activity. Foreclosure proceedings get halted. Wage garnishments end. You finally get space to breathe while we handle the legal process.
From there, we guide you through every step – the 341 meeting with the trustee, any required financial management courses, and ultimately your discharge or confirmation of your repayment plan. Most Chapter 7 cases wrap up in 3-4 months. Chapter 13 plans typically run 3-5 years but let you keep your house while catching up on missed payments.
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You get full representation from petition to discharge. We handle the paperwork, court appearances, trustee meetings, and creditor communications so you can focus on rebuilding your financial life.
Chapter 7 bankruptcy eliminates most unsecured debts completely – credit cards, medical bills, personal loans, and old utility bills disappear. If you qualify based on income and assets, you could be debt-free in a few months while keeping your house, car, and retirement accounts.
Chapter 13 works differently but offers powerful advantages, especially for Douglaston homeowners facing foreclosure. You get up to five years to catch up on missed mortgage payments while eliminating other debts. Your home stays protected as long as you follow the court-approved payment plan.
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