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Bankruptcy Lawyer in Hicksville, NY

Stop Creditor Harassment and Reclaim Your Life

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

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516-246-5577
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Debt Relief Solutions in Hicksville

What Life Looks Like After Bankruptcy

You wake up without dreading the phone ringing. No more creditor calls interrupting dinner with your family. No more panic when opening the mail.

The automatic stay kicks in the moment we file your case. Creditors must stop calling immediately. Wage garnishments end. Foreclosure proceedings halt.

Within months, you’re rebuilding your credit with a clean slate. You sleep better knowing your essential assets are protected and your financial future is secure. The weight that’s been crushing you for months or years is finally lifted.

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Experienced Hicksville Bankruptcy Attorney

Local Knowledge, Real Results

We at The Frank Law Firm P.C. have been helping Nassau County residents navigate bankruptcy law for years. We understand the unique challenges facing Hicksville families dealing with high property taxes, expensive mortgages, and mounting debt.

You’re not just another case number here. We take time to understand your specific situation and explain your options in plain English. No legal jargon, no judgment—just straightforward guidance when you need it most.

Our local presence means we know the Nassau County bankruptcy courts, the trustees, and exactly how to position your case for the best possible outcome.

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How to File for Bankruptcy

Your Path to Financial Freedom

First, we meet for a consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. This isn’t a sales pitch—it’s an honest assessment of your options.

Next, we gather the required documentation and prepare your bankruptcy petition. We handle all the paperwork and filing requirements while you focus on your family and work.

Once filed, the automatic stay immediately protects you from creditors. We guide you through the meeting of creditors and any court requirements. Most Chapter 7 cases are complete within 4-6 months. Chapter 13 cases involve a 3-5 year repayment plan that lets you keep your home while catching up on missed payments.

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Chapter 7 and Chapter 13 Options

Complete Bankruptcy Services for Hicksville Residents

We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense when you need to buy time. Chapter 7 eliminates most unsecured debts like credit cards and medical bills within months. Chapter 13 creates a manageable payment plan while protecting your home.

Our service includes pre-filing credit counseling, complete petition preparation, representation at all hearings, and post-bankruptcy guidance. We also provide foreclosure defense to stop sheriff sales and negotiate loan modifications when possible.

Many Hicksville residents benefit from Chapter 13 because it allows them to keep their homes while restructuring mortgage arrears. With property values averaging over $400,000 in Nassau County, protecting your home equity is often the top priority.

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How quickly can bankruptcy stop foreclosure on my Hicksville home?

Bankruptcy creates an automatic stay the moment we file your case, which immediately stops foreclosure proceedings. This happens within hours of filing, not days or weeks. If your foreclosure sale is scheduled for next week, we can stop it by filing your bankruptcy petition before the sale date. Chapter 13 bankruptcy is particularly effective for homeowners because it allows you to catch up on missed mortgage payments over 3-5 years while keeping your home. The automatic stay gives you breathing room to reorganize your finances and create a sustainable payment plan.
Chapter 7 eliminates most unsecured debts like credit cards and medical bills within 4-6 months, but you might lose non-exempt assets. Chapter 13 creates a 3-5 year repayment plan that lets you keep your property while catching up on missed payments. For Hicksville homeowners behind on their mortgage, Chapter 13 is often the better choice because you can cure the default over time. Chapter 7 works well if you don’t own significant assets and want a quick fresh start. Your income, assets, and goals determine which option makes sense for your situation.
Not necessarily. In Chapter 13 bankruptcy, you can keep your home by catching up on missed mortgage payments through your repayment plan. Even in Chapter 7, New York’s homestead exemption protects up to $170,825 of home equity. If you’re current on your mortgage and your equity falls within exemption limits, you can keep your house. Many Hicksville residents successfully save their homes through bankruptcy. The key is acting before foreclosure proceedings advance too far. We analyze your specific situation to determine the best strategy for protecting your home.
Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, set by federal law. Attorney fees vary based on case complexity, but we offer transparent pricing and payment plans to make representation affordable. Many clients use their tax refunds or stop paying unsecured debts (under our guidance) to fund their bankruptcy case. We discuss all costs upfront during your consultation—no surprise fees later. The investment in proper legal representation typically saves thousands compared to trying to handle bankruptcy pro se or hiring inexperienced counsel.
Chapter 7 bankruptcy appears on your credit report for 10 years, while Chapter 13 shows for 7 years. However, your credit score often improves much faster than these timeframes suggest. Many clients see their scores increase within 12-24 months because they’re no longer carrying overwhelming debt balances. You can qualify for an FHA mortgage just 2 years after Chapter 7 discharge or during a Chapter 13 plan with court approval. The key is rebuilding credit responsibly after bankruptcy by paying bills on time and using secured credit cards initially.
Bankruptcy eliminates most unsecured debts like credit cards, medical bills, personal loans, and old utility bills. However, certain debts survive bankruptcy including recent taxes, student loans, child support, alimony, and debts from fraud or drunk driving. Secured debts like mortgages and car loans continue, but you can choose to surrender the property and eliminate the debt. We review your specific debts during consultation to explain exactly what can be discharged. Most people are surprised by how much debt relief bankruptcy actually provides under current federal law.

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Hicksville, NY is located in Nassau County in New York State

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