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Bankruptcy Lawyer in Franklin Square, NY

Stop Creditor Calls and Eliminate Debt

Get immediate relief from financial stress with an experienced bankruptcy lawyer who understands your situation.

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516-246-5577
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Chapter 7 and Chapter 13 Bankruptcy

Your Fresh Financial Start Begins Here

You’re drowning in bills, creditors won’t stop calling, and every day feels like you’re falling further behind. The stress is affecting your sleep, your relationships, and your peace of mind.

Filing for bankruptcy can stop this cycle immediately. The moment your case is filed, an automatic stay goes into effect – no more collection calls, no more wage garnishments, no more sleepless nights wondering how you’ll pay next month’s bills.

Chapter 7 bankruptcy eliminates most unsecured debts like credit cards and medical bills within 3-4 months. Chapter 13 creates a manageable payment plan that lets you keep your home while catching up on missed mortgage payments. Both options give you the breathing room you need to rebuild your financial life on solid ground.

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Franklin Square Bankruptcy Attorney

Local Experience, Real Results

We have been helping Nassau County residents navigate bankruptcy law for years. We understand the unique financial pressures facing Franklin Square families – from property taxes to cost of living challenges.

Our firm handles bankruptcy cases exclusively, which means we know every detail of New York bankruptcy law and have established relationships with local trustees and court personnel. This experience translates into smoother cases and better outcomes for our clients.

We’ve filed hundreds of successful Chapter 7 and Chapter 13 cases, helping people eliminate debt, save their homes, and start fresh. Most importantly, we treat every client with respect and dignity during what’s often the most stressful time in their lives.

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How to File for Bankruptcy

Clear Steps, No Surprises

Your bankruptcy process starts with a free consultation where we review your debts, income, and assets to determine if Chapter 7 or Chapter 13 is right for you. We’ll explain exactly what debts can be eliminated and what property you can keep.

Once you decide to move forward, we prepare and file your bankruptcy petition with the Nassau County bankruptcy court. The automatic stay takes effect immediately, stopping all collection activities. We handle all communication with creditors and trustees from this point forward.

You’ll attend a brief meeting of creditors about 30 days after filing, where a trustee asks basic questions about your finances. We prepare you thoroughly for this meeting and attend with you. For Chapter 7 cases, you typically receive your discharge within 3-4 months. Chapter 13 cases involve a 3-5 year payment plan, after which remaining eligible debts are discharged.

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Debt Relief and Foreclosure Defense

Complete Bankruptcy and Debt Relief Services

Our bankruptcy practice covers both Chapter 7 liquidation and Chapter 13 reorganization cases. We also handle foreclosure defense for homeowners who want to keep their property through bankruptcy or loan modification.

Every case includes a thorough analysis of your debts to maximize what can be eliminated. We identify which assets are protected under New York exemption laws and develop strategies to preserve your most important property. Our goal is to eliminate as much debt as possible while protecting what matters most to you.

We also provide guidance on rebuilding credit after bankruptcy, including when to apply for new credit and how to establish positive payment history. Many clients are surprised to learn they can qualify for a mortgage just two years after a Chapter 7 discharge with proper planning.

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How much does it cost to file for bankruptcy in Franklin Square?

Chapter 7 bankruptcy attorney fees typically range from $1,200 to $2,000, plus a $338 court filing fee. Chapter 13 cases cost more due to their complexity, usually $3,000 to $4,000 in attorney fees plus a $313 filing fee. We offer payment plans for attorney fees and can often include legal fees in your Chapter 13 payment plan. The exact cost depends on your case’s complexity, but we provide transparent pricing during your free consultation with no hidden fees or surprises.
Most people keep their homes in bankruptcy. New York’s homestead exemption protects up to $170,825 of home equity in Nassau County. If you’re current on mortgage payments and have equity within this limit, you can keep your house in Chapter 7. Chapter 13 is specifically designed for homeowners who are behind on payments – it stops foreclosure and lets you catch up on missed payments over 3-5 years while keeping your home. We analyze your specific situation during consultation to determine the best strategy for protecting your property.
Certain debts survive bankruptcy including recent taxes, student loans (with rare exceptions), child support, alimony, and debts from fraud or drunk driving. Recent luxury purchases over $725 and cash advances over $1,000 within 90 days of filing may not be dischargeable. However, most common debts like credit cards, medical bills, personal loans, and older tax debts can be eliminated. We review all your debts during consultation to identify what can be discharged and develop strategies for handling non-dischargeable obligations.
Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge. You’ll attend a meeting of creditors about 30 days after filing, then receive your discharge 60-90 days later if no issues arise. Chapter 13 cases involve a 3-5 year payment plan, but you get immediate protection from creditors when filed. The automatic stay stopping collection activities begins the day we file your case. Most clients feel relief within days of filing, even though the full process takes several months to complete.
Yes, having a job doesn’t prevent you from filing bankruptcy. In fact, stable income can be helpful, especially for Chapter 13 cases. For Chapter 7, we use the “means test” to compare your income to Nassau County median income levels. If you earn less than the median, you likely qualify for Chapter 7. Higher earners may need to file Chapter 13 instead. Even high-income individuals can benefit from Chapter 13’s debt reorganization and creditor protection. We analyze your specific income situation to determine which chapter works best for your circumstances.
Bankruptcy appears on your credit report for 7-10 years, but its impact decreases significantly over time. Many clients see their credit scores improve within 12-18 months after filing because they’ve eliminated overwhelming debt. You can often qualify for secured credit cards immediately after discharge and car loans within 1-2 years. FHA mortgages are available just 2 years after Chapter 7 discharge with proper planning. The key is rebuilding credit responsibly after bankruptcy rather than continuing to struggle with unmanageable debt that keeps your score low indefinitely.

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Franklin Square, NY is located in Nassau County in New York State

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