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Get immediate relief from creditors and protect what matters most with experienced bankruptcy representation.
Hear from Our Customers
You’re not just filing paperwork. You’re reclaiming your life from the constant stress of overwhelming debt.
When bankruptcy protection kicks in, the phone stops ringing with collection calls. Your wages stay in your paycheck instead of going to garnishments. You sleep through the night without worrying about losing your home.
Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in as little as four months. Chapter 13 lets you keep your house while reorganizing payments you can actually afford. Both options give you the breathing room to rebuild your financial foundation on solid ground.
The automatic stay protection starts the moment we file your case. That means creditors must stop all collection activities immediately – no more calls, no more threats, no more sleepless nights wondering what they’ll take next.
We have been helping Elmhurst families and individuals navigate financial crises for years. We understand the local court procedures, trustee preferences, and exemption strategies that work best in Queens County.
You’re not getting a one-size-fits-all approach. Every case gets individual attention because your situation is unique. We’ve seen how medical emergencies, job loss, divorce, and business failures can destroy even the most careful financial plans.
Our focus stays on protecting what you need to rebuild – your home, your car, your retirement accounts, and your dignity. We know the difference between what creditors threaten and what they can actually do under New York law.
Your free consultation covers everything – your debts, assets, income, and goals. We’ll explain whether Chapter 7 or Chapter 13 makes more sense for your situation and what you can expect throughout the process.
Once you decide to move forward, we gather the required financial documents and prepare your petition. This includes six months of pay stubs, tax returns, bank statements, and a complete list of your debts and assets.
We file your case electronically with the bankruptcy court, which immediately triggers the automatic stay. All collection activities must stop that same day. You’ll attend one meeting of creditors about a month later, where the trustee asks basic questions about your financial situation.
Most Chapter 7 cases receive a discharge in four months. Chapter 13 cases involve a three to five year payment plan, but you keep your property while making affordable payments. Either way, you get the fresh start you need to move forward.
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We handle both Chapter 7 liquidation and Chapter 13 reorganization cases. Chapter 7 works best when you want to eliminate debt quickly and don’t have significant assets to protect. Chapter 13 makes sense when you’re behind on your mortgage or have income to fund a repayment plan.
Foreclosure defense often goes hand-in-hand with bankruptcy protection. Chapter 13 can stop foreclosure and let you catch up on missed mortgage payments over time. Even Chapter 7 buys you several months to explore loan modifications or short sale options.
Our representation includes preparing all required documents, attending court hearings with you, communicating with trustees and creditors, and making sure you understand each step. We also provide guidance on rebuilding credit after your discharge and avoiding future financial problems.
You’ll never wonder what’s happening with your case. We keep you informed throughout the process and answer questions as they come up. This isn’t just about filing paperwork – it’s about getting you back on stable financial ground.
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