Bankruptcy Lawyer in Elmont, NY

Stop Creditors, Save Your Home, Start Fresh

Get immediate protection from debt collectors and foreclosure with experienced bankruptcy representation in Elmont.

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Chapter 7 Bankruptcy Attorney Elmont

What Life Looks Like After Bankruptcy

You wake up without dreading the phone ringing. No more collection calls interrupting dinner with your family. No more sleepless nights wondering how you’ll make next month’s mortgage payment.

The automatic stay kicks in the moment we file your bankruptcy petition. Creditors must stop calling immediately. Wage garnishments end. Foreclosure proceedings halt while we work out your options.

Most of our Chapter 7 clients see their unsecured debts completely eliminated within 3-4 months. Credit cards, medical bills, personal loans – gone. You keep your home, your car, and your essential belongings while getting the fresh start you need to rebuild.

Elmont Debt Relief Lawyer

Local Experience, Real Results

We have been helping Elmont families escape overwhelming debt for years. We know the local bankruptcy courts, the trustees, and exactly how to navigate the Eastern District of New York bankruptcy process.

You work directly with an experienced bankruptcy attorney, not a paralegal or case manager. We’ve seen every type of financial situation – job loss, medical emergencies, business failures, divorce. Nothing surprises us, and we don’t judge.

Our office serves the entire Nassau County area, but we understand the specific challenges facing working families in Elmont. Rising housing costs, property taxes, and everyday expenses have pushed many good people into impossible financial situations.

How to File Bankruptcy Elmont

Your Path to Financial Freedom

We start with a free consultation where you bring your bills, income information, and asset details. We’ll review everything and explain whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.

If you decide to move forward, we handle all the paperwork and court filings. You’ll complete a credit counseling course (we’ll tell you exactly which one), and we’ll prepare you for the meeting of creditors – a brief, routine hearing where you answer basic questions under oath.

Most Chapter 7 cases finish within 90-120 days from filing. Chapter 13 involves a 3-5 year payment plan but lets you catch up on mortgage arrears while keeping your home. Either way, you get immediate protection and a clear timeline to your fresh start.

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Bankruptcy Law Firm Elmont NY

Complete Bankruptcy and Debt Relief Services

We handle both Chapter 7 liquidation and Chapter 13 reorganization cases. Our foreclosure defense services can buy you time and potentially save your home through loan modifications or bankruptcy protection.

Many Elmont residents don’t realize that bankruptcy can stop a foreclosure sale, even if it’s scheduled for next week. We’ve helped families stay in their homes by filing emergency bankruptcy petitions and negotiating with mortgage companies.

You also get guidance on rebuilding credit after bankruptcy. We explain which debts survive bankruptcy (like student loans and recent taxes), help you understand the impact on your credit score, and provide realistic timelines for when you can qualify for new credit or a mortgage.

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

Not necessarily. New York’s homestead exemption protects up to $170,825 of equity in your primary residence (more in some counties). If you’re current on mortgage payments and your equity falls within exemption limits, you can keep your home in Chapter 7. Chapter 13 bankruptcy actually helps you catch up on missed mortgage payments through a payment plan while stopping foreclosure proceedings. Many of our Elmont clients use bankruptcy specifically to save their homes from foreclosure.

How much does it cost to file bankruptcy in Elmont?

Chapter 7 attorney fees typically range from $1,500-$2,500 plus a $338 court filing fee. Chapter 13 costs more due to the longer timeline but can often be paid through your payment plan. We offer payment plans for attorney fees because we understand you’re filing bankruptcy for financial reasons. During your free consultation, we’ll give you exact pricing based on your situation’s complexity. No hidden fees or surprise costs.

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

Chapter 7 eliminates most unsecured debts (credit cards, medical bills, personal loans) within 3-4 months. You must pass a means test based on income and expenses. Chapter 13 involves a 3-5 year payment plan where you pay back a portion of debts while keeping all your property. Chapter 13 works better if you’re behind on mortgage payments, have significant assets, or earn too much for Chapter 7. We’ll analyze your situation and recommend the best option.

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 7 years. However, the impact lessens over time, and many clients see their credit scores improve within 12-24 months after discharge. You can often qualify for an FHA mortgage 2-3 years after Chapter 7 or during a Chapter 13 plan. The key is rebuilding credit responsibly after bankruptcy – we provide guidance on secured credit cards and other rebuilding strategies.

Can bankruptcy stop wage garnishment and creditor calls immediately?

Yes. The automatic stay goes into effect the moment we file your bankruptcy petition. All collection activities must stop immediately – no more calls, letters, wage garnishments, or bank account levies. Creditors who violate the automatic stay face serious penalties. This protection lasts throughout your bankruptcy case. Even if creditors have already obtained judgments against you, bankruptcy can eliminate those debts and stop enforcement actions like wage garnishment.

Do I qualify for Chapter 7 bankruptcy in New York?

Qualification depends on the means test, which compares your income to New York’s median income levels. If your household income falls below the median, you likely qualify. If it’s higher, we calculate your disposable income after allowed expenses. Many working families in Elmont qualify for Chapter 7 despite having steady jobs. Factors include family size, necessary expenses, and secured debt payments. We’ll run the means test during your free consultation and explain your options clearly.

Local Resources

Elmont, NY is located in Nassau County in New York State