Bankruptcy Lawyer in Hampton Bays, NY

Stop Foreclosure and Eliminate Overwhelming Debt

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

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Chapter 7 and Chapter 13 Bankruptcy Attorney

What Life Looks Like After Filing

The phone stops ringing with collection calls. Your wages stay in your paycheck instead of going to garnishment. You sleep through the night without worrying about losing your home.

Filing for bankruptcy isn’t about failure—it’s about taking control. Most of our clients tell us the relief starts immediately after filing, when the automatic stay kicks in and creditors must stop all collection activities.

You keep essential assets like your home, car, and retirement accounts while eliminating credit card debt, medical bills, and other unsecured obligations. Within months, you’re rebuilding credit and planning for a stable financial future instead of drowning in payments that never reduce the principal.

Hampton Bays Bankruptcy Law Firm

Local Experience That Makes the Difference

The Frank Law Firm P.C. has been serving Hampton Bays and the surrounding Long Island communities for years, handling both Chapter 7 and Chapter 13 bankruptcy cases. We understand the unique financial challenges facing Long Island residents—from seasonal employment fluctuations to high property taxes.

You work directly with an experienced bankruptcy attorney, not paralegals or assistants. We know the local bankruptcy courts, trustees, and procedures that affect your case outcome.

Our office is here in Hampton Bays because we believe in being accessible to the community we serve. When you’re facing financial crisis, you need local representation that understands your situation and can act quickly.

How to File for Bankruptcy

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.

Once you decide to move forward, we prepare and file your petition with the bankruptcy court. The automatic stay goes into effect immediately, stopping all creditor actions, foreclosure proceedings, and wage garnishments.

You’ll attend a meeting of creditors about a month after filing—we prepare you for this and attend with you. For Chapter 7 cases, most clients receive their discharge within 3-4 months. Chapter 13 clients make manageable payments over 3-5 years while keeping their home and other assets.

Throughout the process, we handle all communication with creditors and the court. You focus on rebuilding while we handle the legal work.

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Debt Relief and Foreclosure Defense

Complete Bankruptcy and Debt Relief Services

We handle all aspects of personal bankruptcy, from emergency filings to stop foreclosure to comprehensive debt elimination strategies. Our services include Chapter 7 liquidation cases for those who qualify and Chapter 13 reorganization for homeowners who want to keep their property.

Many of our Hampton Bays clients come to us facing foreclosure on homes they’ve owned for decades. We can often stop the foreclosure process and create a payment plan that lets you catch up on missed mortgage payments while eliminating other debts.

We also provide foreclosure defense services for clients who don’t need full bankruptcy protection but want to fight improper foreclosure proceedings. Every case gets personal attention because we understand that behind every bankruptcy filing is a family trying to rebuild their financial life.

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

Not necessarily. In Chapter 13 bankruptcy, you can keep your house by catching up on missed mortgage payments through a 3-5 year payment plan. New York’s homestead exemption also protects significant home equity in Chapter 7 cases. Many of our Hampton Bays clients keep their homes by filing Chapter 13, which stops foreclosure and gives them time to reorganize their finances. The key is acting before the foreclosure sale date—once we file your petition, the automatic stay immediately stops the foreclosure process.

How much does it cost to file bankruptcy in Hampton Bays?

Attorney fees vary based on the complexity of your case, but we offer transparent pricing and payment plans to make bankruptcy accessible. Chapter 7 cases typically cost less than Chapter 13 cases due to the additional work involved in payment plan preparation. We discuss all fees upfront during your free consultation, including court filing fees and credit counseling requirements. Many clients find that the money saved by stopping creditor payments more than covers the cost of filing. We also accept payment plans because we understand you’re filing bankruptcy due to financial hardship.

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

Chapter 7 eliminates most unsecured debts like credit cards and medical bills within 3-4 months, but you may need to surrender non-exempt assets. Chapter 13 lets you keep all your property while making reduced payments over 3-5 years. Chapter 7 has income limits based on the means test, while Chapter 13 is available regardless of income level. Hampton Bays homeowners often prefer Chapter 13 because it stops foreclosure and lets them catch up on mortgage payments while eliminating other debts. We’ll analyze your situation and recommend the best option during your consultation.

How long does the bankruptcy process take in New York?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge. Chapter 13 cases involve a 3-5 year payment plan, but you get immediate relief from creditor actions when we file. The automatic stay stops collection calls, wage garnishment, and foreclosure proceedings as soon as your petition is filed. Most clients attend one meeting of creditors about 30 days after filing. We handle all court filings and creditor communications throughout the process, so you can focus on rebuilding your financial life while we manage the legal requirements.

Will bankruptcy ruin my credit score permanently?

Bankruptcy appears on your credit report for 7-10 years, but most clients 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 accumulating. Many of our Hampton Bays clients qualify for secured credit cards within months of discharge and car loans within a year. The key is rebuilding responsibly after bankruptcy rather than continuing to struggle with unmanageable debt payments. Most clients find their credit recovers faster through bankruptcy than trying to pay overwhelming debts for years.

Can I stop wage garnishment by filing bankruptcy?

Yes, the automatic stay immediately stops wage garnishment when we file your bankruptcy petition. This includes garnishments for credit cards, medical bills, and other unsecured debts. We can often recover wages garnished within 90 days before filing. However, certain garnishments like child support and some tax debts may continue. We’ll review your specific garnishment situation during consultation and explain exactly what protection bankruptcy provides. Many clients file emergency petitions specifically to stop garnishment and protect their paychecks while we prepare the complete bankruptcy paperwork.

Local Resources

Hampton Bays, NY is located in Suffolk County in New York State