Bankruptcy Lawyer in Flushing, NY

Stop the Calls, Save Your Home

Get immediate protection from creditors and a clear path to financial freedom with experienced local bankruptcy representation.

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Debt Relief Attorney Flushing

Your Fresh Start Begins Here

You’re not sleeping. The phone won’t stop ringing. Every piece of mail feels like another threat.

Here’s what changes when you file for bankruptcy protection: The calls stop immediately. Your wages stay in your paycheck. Your home gets protection from foreclosure.

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 paying back what you can afford over three to five years. Both options give you something you haven’t had in months—breathing room.

Flushing Bankruptcy Law Firm

We Know These Courts, This Community

The Frank Law Firm P.C. has helped Flushing families navigate bankruptcy for years. We understand the unique challenges facing our diverse community—from language barriers to complex immigration concerns that can affect your case.

We’ve walked the halls of the Eastern District bankruptcy courts hundreds of times. We know the trustees, the procedures, and exactly what paperwork gets your case approved quickly.

You’re not just another case number here. We’re your neighbors, and we’re invested in helping you rebuild right here in Flushing.

How to File Bankruptcy

Simple Steps, Clear Timeline

First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 makes more sense for your situation.

Next, we prepare and file your petition with the bankruptcy court. The moment we file, you get automatic stay protection—creditors must stop calling, wage garnishments end, and foreclosure proceedings pause.

Then you’ll attend a meeting of creditors, which sounds scarier than it is. It’s usually a brief Q&A session with the bankruptcy trustee. We’ll be there with you.

Finally, you receive your discharge order, typically within four months for Chapter 7 or after completing your payment plan in Chapter 13. Your qualifying debts are gone forever.

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Chapter 7 Chapter 13 Lawyer

Complete Bankruptcy Protection Services

We handle both Chapter 7 and Chapter 13 bankruptcy cases for individuals and married couples. Chapter 7 eliminates most unsecured debts quickly if you qualify based on income. Chapter 13 creates a manageable payment plan while protecting your home and other assets.

Our services include foreclosure defense to buy you time and explore all options for saving your house. We also handle wage garnishment issues, creditor harassment cases, and debt collection defense.

Every case includes thorough document preparation, court representation, creditor communication, and post-bankruptcy guidance. We explain everything in plain English and provide translation services when needed for Flushing’s diverse community.

How quickly can bankruptcy stop creditor calls and wage garnishment?

The automatic stay goes into effect the moment we file your bankruptcy petition with the court. This means creditors must immediately stop calling, sending collection letters, and garnishing your wages. Employers typically receive notice within 24-48 hours to stop wage deductions. Any creditor who continues collection efforts after filing violates federal law and can face penalties. This immediate protection is one of the most powerful benefits of bankruptcy and gives you breathing room to focus on your case rather than constant creditor harassment.

Can I keep my house if I file for bankruptcy in New York?

Yes, you can often keep your house through bankruptcy. In Chapter 13, you can catch up on missed mortgage payments through a 3-5 year repayment plan while keeping your home. New York’s homestead exemption protects up to $170,825 of home equity in Chapter 7 cases. If you’re current on your mortgage and your equity falls within exemption limits, you can typically keep your house in Chapter 7 too. We analyze your specific situation during consultation to determine the best strategy for protecting your home while eliminating other debts.

What debts cannot be eliminated through bankruptcy discharge?

Certain debts survive bankruptcy discharge, including recent income taxes (generally less than three years old), student loans (with rare exceptions), child support, alimony, and criminal fines. Recent luxury purchases over $725 or cash advances over $1,000 within specific timeframes before filing may also be non-dischargeable. However, bankruptcy eliminates most common debts like credit cards, medical bills, personal loans, old utility bills, and deficiency balances from car repossessions or foreclosures. We review your specific debts during consultation to explain exactly what can and cannot be discharged.

How much does it cost to file bankruptcy with your firm?

Chapter 7 attorney fees typically range from $1,500-$2,000 plus a $338 court filing fee. Chapter 13 cases generally cost $3,500-$4,000 in attorney fees plus a $313 filing fee, with fees often paid through your repayment plan. We offer payment plans for Chapter 7 cases and accept cash, check, or money order. The exact cost depends on your case complexity, but we provide transparent pricing during your free consultation with no hidden fees. Most clients find bankruptcy far less expensive than continuing to struggle with minimum payments on debts they’ll never fully repay.

Will bankruptcy ruin my credit score permanently?

Bankruptcy appears on your credit report for 7-10 years, but your credit score can improve much sooner. Many clients see credit score improvements within 12-18 months after discharge because their debt-to-income ratio dramatically improves. You can typically qualify for secured credit cards immediately after discharge and car loans within 1-2 years. FHA mortgages become available 2-3 years post-bankruptcy with good payment history. The key is rebuilding responsibly after discharge. Many clients achieve better credit scores within a few years than they had while struggling with overwhelming debt and missed payments.

Do I qualify for Chapter 7 bankruptcy based on my income?

Chapter 7 eligibility depends on passing the “means test” which compares your income to New York’s median income levels. For 2024, if your household income is below $73,964 (single person) or $90,875 (married couple), you typically qualify automatically. Higher earners may still qualify if their disposable income after allowed expenses is insufficient to fund a Chapter 13 plan. We calculate your exact qualification during consultation using your recent pay stubs, tax returns, and monthly expenses. Even if you don’t qualify for Chapter 7, Chapter 13 can still provide significant debt relief and protection.

Local Resources

Flushing, NY is located in Queens County in New York State