Bankruptcy Lawyer in East Massapequa, NY

Stop Creditor Harassment and Get Debt Relief

We’re a local bankruptcy attorney helping East Massapequa families eliminate overwhelming debt and protect their homes through proven legal strategies.

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Chapter 7 and Chapter 13 Bankruptcy

What Life Looks Like After Bankruptcy

The phone stops ringing with collection calls. You sleep through the night without worrying about losing your house. Your paycheck stays in your bank account instead of going to creditors.

Bankruptcy gives you the legal protection you need to rebuild your financial life. Chapter 7 can eliminate credit card debt, medical bills, and other unsecured debts in just a few months. Chapter 13 lets you keep your home while paying back what you can afford over three to five years.

You’re not stuck with debt forever. Federal bankruptcy laws exist specifically to give people like you a fresh start when life gets overwhelming.

East Massapequa Bankruptcy Law Firm

We Know New York Bankruptcy Law

We’ve been helping Long Island residents navigate bankruptcy and debt relief for years. We understand the local courts, trustees, and procedures that affect your case.

You’re not just another file number here. We take time to understand your specific situation and explain your options in plain English. Our East Massapequa office makes it convenient to meet when you need legal guidance most.

Filing for Bankruptcy Process

Here's How We Handle Your Case

First, we’ll meet for a free consultation to review your debts, income, and assets. No sales pitch – just honest advice about whether bankruptcy makes sense for your situation.

If you decide to move forward, we’ll gather your financial documents and prepare your bankruptcy petition. We handle all the paperwork and court filings so you don’t have to figure out the complex legal requirements.

Once we file your case, the automatic stay goes into effect immediately. This stops creditor calls, wage garnishments, and foreclosure proceedings. You’ll attend a brief meeting with the bankruptcy trustee, and we’ll be there with you to answer any questions.

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About Frank Law Firm, P.C.

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Debt Relief and Foreclosure Defense

Complete Bankruptcy and Debt Relief Services

We handle both Chapter 7 and Chapter 13 bankruptcy cases for East Massapequa residents. Chapter 7 eliminates most unsecured debts quickly, while Chapter 13 creates a manageable payment plan that can save your home from foreclosure.

Our foreclosure defense services buy you time to explore all your options. Sometimes bankruptcy isn’t the right answer – we’ll help you understand alternatives like loan modifications or short sales.

Every case includes thorough document preparation, court representation, and guidance through the entire process. We also provide credit rebuilding advice to help you move forward after your case closes.

How long does the bankruptcy process take in New York?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge in New York. Chapter 13 cases run 3-5 years depending on your payment plan, but you get immediate protection from creditors when we file. The automatic stay stops collection calls and legal actions right away, so you get relief on day one while the legal process works through the courts.

Can I keep my house if I file for bankruptcy?

Yes, many people keep their homes through bankruptcy. New York’s homestead exemption protects equity in your primary residence. If you’re current on mortgage payments, Chapter 7 usually lets you keep your house. Chapter 13 is specifically designed to stop foreclosure and let you catch up on missed payments over time while staying in your home.

Will bankruptcy ruin my credit score permanently?

Bankruptcy affects your credit score, but it’s not permanent damage. Chapter 7 stays on your credit report for 10 years, Chapter 13 for 7 years. However, many clients see their scores improve within 1-2 years because they’re no longer carrying overwhelming debt. You can often qualify for secured credit cards and car loans relatively quickly after your case closes.

How much does it cost to file bankruptcy in East Massapequa?

Attorney fees vary based on your case complexity, but we offer transparent pricing and payment plans. Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, set by federal law. We’ll give you exact costs during your free consultation so there are no surprises. Many clients find bankruptcy costs less than a few months of minimum credit card payments.

What debts cannot be eliminated through bankruptcy?

Most unsecured debts like credit cards, medical bills, and personal loans can be eliminated. However, certain debts survive bankruptcy including recent taxes, student loans (in most cases), child support, alimony, and debts from fraud or criminal activity. We’ll review your specific debts during consultation to explain what can and cannot be discharged in your situation.

Do I qualify for Chapter 7 or Chapter 13 bankruptcy?

Qualification depends on your income, expenses, and debt types. Chapter 7 has income limits based on New York’s median income levels. If your income is too high for Chapter 7, Chapter 13 might be better since it has no income limits. We’ll run the means test during your consultation to determine which chapter fits your financial situation and goals.

Local Resources

East Massapequa, NY is located in Nassau County in New York State