Bankruptcy Lawyer in Hillside Manor, NY

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Stop creditor calls, protect your home, and eliminate overwhelming debt with experienced legal guidance you can trust.

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Chapter 7 Bankruptcy Attorney Services

What Life Looks Like After Debt Relief

You wake up without that knot in your stomach. The phone rings and you actually want to answer it because it’s not another creditor demanding money you don’t have.

Your mailbox isn’t stuffed with collection notices. Your family dinners aren’t interrupted by conversations about which bill to pay first. You can focus on rebuilding instead of just surviving.

That’s what real debt relief looks like. When bankruptcy is handled correctly, it’s not just about eliminating debt – it’s about getting your life back. You keep the assets that matter most while wiping out the debts that have been crushing you for months or years.

Hillside Manor Bankruptcy Law Firm

We Know New York Bankruptcy Law

We have been helping Hillside Manor families navigate bankruptcy and debt relief for years. We understand the financial pressures that come with living in this area – the property taxes, the cost of living, the unexpected expenses that can derail even the most careful budget.

We’re not here to judge how you got into debt. Medical bills, job loss, divorce, business failure – we’ve seen it all. What matters is getting you out of it with your dignity and essential assets intact.

Our approach is straightforward: we explain your options clearly, handle the legal complexities, and guide you toward the fresh start you deserve.

How to File for Bankruptcy

The Process Is Simpler Than You Think

First, we sit down and review your complete financial picture. Income, expenses, assets, debts – everything goes on the table so we can determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.

Once we file your petition, the automatic stay kicks in immediately. That means creditors must stop calling, collection actions halt, and foreclosure proceedings pause. You get breathing room while we handle the legal work.

We prepare all required documentation, represent you at the meeting of creditors, and navigate any issues that arise. Most Chapter 7 cases are complete within 3-4 months. Chapter 13 cases involve a 3-5 year payment plan, but you keep your assets while catching up on secured debts like your mortgage.

Throughout the process, we keep you informed about what’s happening and what to expect next. No surprises, no legal jargon you can’t understand.

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Debt Relief and Foreclosure Defense

Complete Financial Protection and Fresh Start

Our bankruptcy services cover both Chapter 7 and Chapter 13 filings, depending on your income and goals. Chapter 7 eliminates most unsecured debts like credit cards and medical bills. Chapter 13 lets you keep your home while creating a manageable payment plan for past-due amounts.

We also handle foreclosure defense for Hillside Manor homeowners. Sometimes bankruptcy isn’t necessary – we can negotiate loan modifications, challenge improper foreclosure procedures, or buy you time to explore other options.

Every case includes a thorough asset protection analysis. We make sure you keep the property and accounts that matter most while maximizing the debt relief available under New York law. You’ll also receive guidance on rebuilding credit after bankruptcy, because the goal is long-term financial stability, not just immediate relief.

How much does it cost to file for bankruptcy in New York?

Attorney fees for Chapter 7 bankruptcy typically range from $1,500 to $3,000, plus a $338 court filing fee. Chapter 13 cases cost more due to the ongoing work required – usually $3,000 to $5,000 in attorney fees plus a $313 filing fee. We offer payment plans because we understand you’re hiring us precisely because money is tight. The investment often pays for itself quickly when you consider what you’re spending on minimum payments to creditors each month. We’ll give you exact pricing during your consultation based on the complexity of your case.

Will I lose my house if I file for bankruptcy?

Not necessarily. In Chapter 13 bankruptcy, you can keep your home as long as you stick to the payment plan, which includes catching up on past-due mortgage payments over 3-5 years. In Chapter 7, you can keep your house if you’re current on payments and the equity doesn’t exceed New York’s homestead exemption limits. Many people file bankruptcy specifically to stop foreclosure and save their homes. The automatic stay halts foreclosure proceedings immediately, giving us time to work out a solution. Each situation is different, which is why we analyze your specific circumstances before recommending a strategy.

How long does the bankruptcy process take from start to finish?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge. You’ll attend one meeting of creditors about 30 days after filing, then wait for the discharge order. Chapter 13 takes longer because it involves a 3-5 year payment plan, but you get debt relief benefits immediately when we file. The automatic stay stops creditor harassment right away, and you start making manageable payments to the trustee instead of juggling multiple creditors. Most people feel significant relief within the first month, even though the technical process takes longer to complete.

What debts cannot be eliminated through bankruptcy?

Certain debts survive bankruptcy, including recent taxes, student loans (in most cases), child support, alimony, and debts incurred through fraud. Secured debts like mortgages and car loans can be handled through bankruptcy, but you’ll need to keep paying if you want to keep the property. However, bankruptcy eliminates most credit card debt, medical bills, personal loans, and old utility bills – which is usually the bulk of what’s causing financial stress. We’ll review your specific debts during consultation to explain exactly what can be eliminated and what you’ll still owe after bankruptcy.

How will bankruptcy affect my credit score and future borrowing?

Bankruptcy stays on your credit report for 7-10 years, but the impact lessens over time. Many people see their credit scores improve within 12-18 months because they’re no longer carrying high debt balances and making late payments. You can qualify for secured credit cards almost immediately and car loans within a year or two. Mortgages typically require waiting 2-4 years, depending on the loan program. The key is rebuilding responsibly after bankruptcy. We provide guidance on credit rebuilding strategies because getting back on solid financial footing is part of the fresh start bankruptcy provides.

Can I file for bankruptcy if I have a job and regular income?

Yes, having income doesn’t disqualify you from bankruptcy. For Chapter 7, we use the “means test” to determine eligibility based on your income compared to New York median income levels. If your income is too high for Chapter 7, Chapter 13 might be a better option – it’s specifically designed for people with regular income who can make payments but need help reorganizing their debts. Sometimes having steady income actually makes bankruptcy more effective because it shows the court you can maintain payments on secured debts like your mortgage while eliminating unsecured debts. We’ll analyze your income and expenses to determine which chapter works best for your situation.

Local Resources

Hillside Manor, NY is located in Nassau County in New York State