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Hear from Our Customers
Your phone stops ringing with collection calls. The knot in your stomach when you check the mail disappears. You sleep through the night without worrying about losing your house.
That’s what happens when you file for bankruptcy with proper legal guidance. Most people walk away with their home, their car, and their retirement accounts intact. The credit cards, medical bills, and personal loans that have been crushing you for months or years get wiped clean.
You’re not just buying time or making smaller payments. You’re getting a genuine fresh start. Within 90 days of filing Chapter 7, most unsecured debts are completely eliminated. Chapter 13 gives you a structured 3-5 year plan to catch up on your mortgage while paying a fraction of what you owe on other debts.
We have been helping Queens families navigate financial crises and bankruptcy proceedings for years. We understand the local bankruptcy court procedures and have working relationships with trustees throughout the Eastern District of New York.
Most importantly, we know that good people end up in bad financial situations through no fault of their own. Medical emergencies, job loss, divorce, and business failures can happen to anyone. We don’t judge your situation – we focus on getting you the best possible outcome under New York bankruptcy law.
First, we meet to review your debts, income, and assets. This consultation determines whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. Chapter 7 eliminates most debts in about 4 months, while Chapter 13 creates a manageable payment plan.
Next, we prepare and file your bankruptcy petition with the court. The moment it’s filed, an automatic stay goes into effect. This legally stops all collection calls, lawsuits, wage garnishments, and foreclosure proceedings. Your creditors cannot contact you directly anymore.
Finally, you attend a brief meeting with the bankruptcy trustee about 30 days after filing. We prepare you for this meeting and attend with you. For most Chapter 7 cases, this is the only court appearance required. Chapter 13 cases involve confirmation of your repayment plan, which we handle on your behalf.
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We handle every aspect of your bankruptcy case from start to finish. This includes the initial means test to determine Chapter 7 eligibility, preparation of all required documents and schedules, and representation at the meeting of creditors.
For Hollis Hills homeowners facing foreclosure, we also provide foreclosure defense services. This can buy you additional time to explore alternatives like loan modification or give you breathing room to complete a Chapter 13 filing that allows you to catch up on missed mortgage payments.
Our debt relief services extend beyond just bankruptcy filing. We help clients understand which debts will be eliminated, how to protect exempt assets, and what to expect during the credit rebuilding process. You get comprehensive guidance, not just paperwork preparation.
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