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Hear from Our Customers
The phone stops ringing. No more certified letters in your mailbox that make your stomach drop. No more lying awake at 3 AM wondering how you’ll make next month’s mortgage payment.
When you file for bankruptcy, the automatic stay kicks in immediately. That means every creditor, collection agency, and bill collector has to stop contacting you by law. The wage garnishment ends. The bank account freeze gets lifted.
Your home gets protected through Chapter 13 reorganization or Chapter 7 exemptions. You keep your car, your retirement accounts, and the essentials you need to rebuild. The crushing weight of credit card debt, medical bills, and personal loans disappears completely.
Most people see their credit score start improving within 12-18 months after filing. You can qualify for a mortgage again in 2-4 years. The financial nightmare ends, and you get to start over with a clean slate.
We’ve been helping Long Island families get out of debt for over a decade. We’ve filed hundreds of bankruptcy cases in the Eastern District of New York bankruptcy court.
We understand the unique financial pressures facing East Northport residents. High property taxes, expensive utilities, and the cost of living on Long Island can push even responsible people into financial crisis. Medical emergencies, job loss, or small business failure can happen to anyone.
You’ll work directly with an experienced bankruptcy attorney, not a paralegal or assistant. We handle every aspect of your case personally and keep you informed throughout the entire process.
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. Most people qualify for Chapter 7, which eliminates unsecured debt in about 4 months.
Next, we prepare and file your bankruptcy petition with the court. The automatic stay goes into effect immediately, stopping all collection activity. We handle all the paperwork, schedules, and legal requirements so you don’t have to worry about making mistakes.
You’ll attend one brief meeting with the bankruptcy trustee about 30 days after filing. We’ll be there with you to answer any questions. For Chapter 7 cases, you typically receive your discharge order within 60-90 days after this meeting.
The entire process takes 3-4 months for Chapter 7 or 3-5 years for Chapter 13 payment plans. Either way, you get immediate relief from creditors and a clear path to financial freedom.
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We handle all types of bankruptcy cases including Chapter 7 liquidation and Chapter 13 reorganization. Our debt relief services also include foreclosure defense to help you keep your home and negotiate loan modifications with mortgage companies.
Many East Northport clients come to us facing multiple financial problems at once. You might have credit card debt, medical bills, a pending foreclosure, and wage garnishment all happening simultaneously. We address every aspect of your debt crisis in one comprehensive legal strategy.
We also help small business owners with both personal and business bankruptcy filings. If your business is failing and you’ve personally guaranteed business debts, we can protect your personal assets while handling the business closure properly.
We offer flat-fee pricing for most bankruptcy cases and flexible payment plans so you can afford quality legal representation even when money is tight. Your case gets handled by an experienced bankruptcy attorney from start to finish.
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