Bankruptcy Lawyer in Garden City, NY

Stop Creditor Calls and Save Your Home

Get immediate relief from debt collectors and protect your family’s future with experienced bankruptcy representation.

Hear from Our Customers

Garden City Debt Relief Attorney

Your Fresh Financial Start Begins Here

The phone stops ringing. Your paycheck stays in your account. The foreclosure notice becomes irrelevant.

That’s what happens when you file bankruptcy with proper legal guidance. You’re not just eliminating debt—you’re reclaiming control over your financial life and your family’s security.

Chapter 7 bankruptcy can wipe out credit card debt, medical bills, and personal loans in as little as four months. Chapter 13 lets you keep your home while reorganizing payments you can actually afford. Either way, the automatic stay kicks in immediately, stopping all collection activities the moment we file your case.

Experienced Nassau County Bankruptcy Lawyers

We Know These Courts Inside Out

The Frank Law Firm P.C. has been helping Garden City area families navigate bankruptcy for years. We file cases in the Central Islip bankruptcy court regularly and know exactly what trustees expect and how judges rule.

You’re not getting a general practice attorney who handles bankruptcy on the side. You’re getting focused expertise in debt relief law, with deep knowledge of Nassau County procedures and local court requirements.

We’ve seen every type of financial crisis—from medical emergencies to business failures to divorce-related debt. Nothing about your situation will surprise us, and we won’t judge you for needing help.

Chapter 7 and Chapter 13 Process

Here's Exactly What Happens Next

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 and explain exactly what you can expect.

Next, we gather your financial documents and prepare your bankruptcy petition. This includes detailed schedules of debts, assets, income, and expenses. We handle all the paperwork and ensure everything meets court requirements.

Once we file your case, the automatic stay takes effect immediately. Creditors must stop all collection activities—no more calls, letters, or garnishments. You’ll attend a meeting of creditors about a month later, where we’ll be right there with you.

For Chapter 7, you’ll typically receive your discharge in about four months. Chapter 13 involves a 3-5 year payment plan, but you keep your property and catch up on missed mortgage payments over time.

Ready to get started?

Explore More Services

About Frank Law Firm, P.C.

Get a Free Consultation

Bankruptcy Law Firm Services

Complete Debt Relief Legal Services

We handle every aspect of your bankruptcy case from start to finish. That means preparing and filing all required documents, representing you at the meeting of creditors, and handling any issues that arise during your case.

You also get foreclosure defense when needed. If you’re behind on mortgage payments, we can often stop foreclosure proceedings and help you catch up through Chapter 13. This keeps your family in your home while eliminating other debts.

Emergency filings are available when time is critical. If you’re facing imminent wage garnishment or foreclosure, we can often file your case the same day to trigger the automatic stay and buy you time to complete the full petition.

How quickly can bankruptcy stop creditor harassment and collection calls?

The automatic stay takes effect the moment we file your bankruptcy petition with the court. This means creditors must immediately stop all collection activities—phone calls, letters, wage garnishments, and even foreclosure proceedings. Most creditors receive electronic notification within hours, and persistent callers can be given your case number to verify the filing. Any creditor who continues collection efforts after receiving notice of your bankruptcy filing is violating federal law and can face sanctions from the bankruptcy court.

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

Chapter 7 is a liquidation bankruptcy that eliminates most unsecured debts like credit cards and medical bills in about four months. You may lose non-exempt assets, but most people keep their home, car, and personal belongings. Chapter 13 is a reorganization that lets you keep all your property while paying creditors through a 3-5 year plan based on your income. Chapter 13 is often better if you’re behind on mortgage payments, have significant assets, or earn too much to qualify for Chapter 7 under the means test.

Can I keep my house if I file for bankruptcy in Nassau County?

Yes, in most cases you can keep your home through bankruptcy. In Chapter 7, New York’s homestead exemption protects significant equity in your primary residence. If you’re current on mortgage payments, you can usually keep the house by continuing to pay. In Chapter 13, you can catch up on missed mortgage payments over time while stopping foreclosure. Even if you’re significantly behind, Chapter 13 often provides a path to save your home that wouldn’t be available outside of bankruptcy.

How much does it cost to file bankruptcy with an attorney in Garden City?

Attorney fees vary based on the complexity of your case, but we offer payment plans to make legal representation affordable. Chapter 7 cases typically cost less than Chapter 13 due to the shorter timeframe and less ongoing work required. The court filing fee is $338 for Chapter 7 and $313 for Chapter 13, paid to the bankruptcy court separately from attorney fees. We discuss all costs upfront during your free consultation, and payment plans can often be arranged so you don’t need to pay everything before filing your case.

Will bankruptcy ruin my credit score permanently?

Bankruptcy appears on your credit report for 7-10 years, but most people see their credit scores improve within 1-2 years after filing. This happens because bankruptcy eliminates the debts that were dragging down your score and stops late payments from continuing to accumulate. Many clients qualify for secured credit cards within months of filing and can get car loans within a year or two. The key is rebuilding responsibly after bankruptcy rather than avoiding credit entirely. A bankruptcy followed by responsible credit use often results in better long-term financial health than struggling with unmanageable debt for years.

Do I have to go to court for my bankruptcy case?

You’ll attend one meeting called the “meeting of creditors” or “341 meeting,” but this isn’t held in a courtroom with a judge. Instead, you meet with a bankruptcy trustee in a conference room setting, and we’ll be there with you. The trustee asks basic questions about your financial situation and bankruptcy documents—usually taking just a few minutes. Most creditors don’t attend these meetings. You typically won’t need to appear before a bankruptcy judge unless unusual issues arise in your case, which is rare in straightforward consumer bankruptcies.

Local Resources

Garden City, NY is located in Nassau County in New York State