Bankruptcy Lawyer in Glen Cove, NY

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Get immediate relief from debt collectors and protect what matters most to you.

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Glen Cove Debt Relief Attorney

What Life Looks Like After Bankruptcy

The phone stops ringing with collection calls. You sleep through the night without worrying about losing your house. Your paycheck stays in your bank account instead of going to wage garnishment.

That’s what happens when you file for bankruptcy with proper legal guidance. You get an automatic stay that immediately stops all collection activities against you. Your unsecured debts like credit cards and medical bills can be completely eliminated.

If you’re behind on your mortgage, Chapter 13 bankruptcy gives you up to five years to catch up on payments while keeping your home. You’ll have a clear monthly payment plan that fits your actual income, not what creditors demand.

Experienced Glen Cove Bankruptcy Attorney

We Know Nassau County Bankruptcy Law

The Frank Law Firm P.C. has been helping Glen Cove residents navigate financial crises for years. We understand the unique pressures facing Nassau County families – from high property taxes to the cost of living on Long Island.

When you work with us, you get direct access to an experienced bankruptcy attorney who knows the local courts and trustees. We’ve guided hundreds of clients through both Chapter 7 and Chapter 13 cases.

You won’t get shuffled to a paralegal or have your case handled by someone who’s never been in a Nassau County courtroom. We handle your case personally from start to finish.

How to File Bankruptcy Glen Cove

Your Path to Financial Freedom

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

Next, we gather your financial documents and prepare your bankruptcy petition. We handle all the paperwork and make sure everything is filed correctly with the Nassau County bankruptcy court. Most clients are surprised by how straightforward the process actually is.

Within days of filing, the automatic stay goes into effect and your creditors must stop all collection activities. You’ll attend one meeting with the bankruptcy trustee, which we prepare you for completely. Most Chapter 7 cases are completed within four months.

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Chapter 7 Chapter 13 Bankruptcy Lawyer

Complete Bankruptcy Legal Services

We handle both Chapter 7 and Chapter 13 bankruptcy cases for Glen Cove residents. Chapter 7 eliminates most unsecured debts in about four months. Chapter 13 creates a payment plan to catch up on mortgage arrears while discharging other debts.

Our service includes foreclosure defense when you’re behind on mortgage payments. We can often negotiate with lenders while your bankruptcy case is pending. Many clients save their homes through Chapter 13 reorganization.

You also get protection for retirement accounts, household goods, and other exempt assets. We know exactly what you can keep under New York bankruptcy law. Our goal is to eliminate your debts while protecting everything that’s important to your family’s future.

How quickly can bankruptcy stop foreclosure on my Glen Cove home?

Bankruptcy creates an automatic stay the moment we file your case, which immediately stops foreclosure proceedings. If your lender has already scheduled a foreclosure sale, filing bankruptcy will halt it – even if the sale is scheduled for the next day. Chapter 13 bankruptcy gives you up to five years to catch up on missed mortgage payments while keeping your home. We’ve helped many Glen Cove homeowners save their houses this way. The key is acting quickly before the foreclosure process advances too far.

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

Chapter 7 eliminates most unsecured debts like credit cards and medical bills in about four months. You don’t make payments to creditors, but you must qualify based on income limits. Chapter 13 creates a payment plan lasting three to five years where you pay back some debts while eliminating others. Chapter 13 is often better if you’re behind on mortgage payments and want to keep your home, or if your income is too high for Chapter 7. We’ll analyze your specific situation to recommend the best option.

How much does it cost to file bankruptcy in Glen Cove?

Attorney fees vary based on whether you file Chapter 7 or Chapter 13 bankruptcy and the complexity of your case. Chapter 7 cases typically cost less because they’re completed faster. We offer payment plans for both types of cases because we understand you’re already facing financial difficulties. Court filing fees are set by federal law – $338 for Chapter 7 and $313 for Chapter 13. During your free consultation, we’ll give you exact pricing based on your situation and discuss payment options that work for your budget.

Will I lose my car or other property if I file bankruptcy?

Most people keep their car, household goods, and other essential property when filing bankruptcy. New York law provides generous exemptions that protect your primary residence equity, vehicle, retirement accounts, and personal belongings. If you’re current on car payments, you can usually keep making payments and retain the vehicle. We review all your assets during the consultation to identify what’s protected under state and federal exemptions. The goal is eliminating debt while preserving the property you need for daily life.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy remains on your credit report for 10 years, while Chapter 13 stays for seven years. However, the impact on your credit score decreases significantly over time, especially if you practice good credit habits after bankruptcy. Many clients see their credit scores improve within two years because they no longer have overwhelming debt dragging down their scores. You can often qualify for a mortgage within two to four years after bankruptcy discharge. The key is rebuilding credit responsibly once you have a fresh start.

Can bankruptcy eliminate tax debts and student loans?

Some tax debts can be eliminated in bankruptcy if they meet specific criteria related to age and filing requirements. Generally, income tax debts older than three years may qualify for discharge. However, recent tax debts, payroll taxes, and tax penalties usually cannot be eliminated. Student loans are rarely dischargeable unless you can prove “undue hardship,” which is extremely difficult to establish. During consultation, we’ll review your specific tax and student loan situations to explain what can and cannot be eliminated through bankruptcy.

Local Resources

Glen Cove, NY is located in Nassau County in New York State