Bankruptcy Lawyer in Hollis, NY

Stop Creditor Calls and Eliminate Debt

Get the fresh start you deserve with experienced bankruptcy representation that protects your assets and your future.

Hear from Our Customers

Chapter 7 Bankruptcy Attorney

What Life Looks Like After Bankruptcy

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

That’s what happens when you file for bankruptcy with proper legal guidance. Most people discover they can keep their home, car, and retirement accounts while eliminating credit card debt, medical bills, and other unsecured obligations.

Chapter 7 bankruptcy typically takes 3-4 months and wipes out most debts completely. Chapter 13 bankruptcy creates a manageable 3-5 year payment plan that stops foreclosure and gives you time to catch up on mortgage payments. Both options provide immediate protection from creditors the moment your case is filed.

Hollis Bankruptcy Law Firm

We Know New York Bankruptcy Law

We have helped Hollis families navigate financial crises for years. We understand the local court system, know the trustees, and have guided hundreds of clients through successful bankruptcy cases.

You’re not just another case number here. We take time to explain your options clearly and help you choose the right path forward. Our office handles everything from simple Chapter 7 cases to complex Chapter 13 reorganizations and foreclosure defense.

We’ve seen every type of financial situation and know how to protect what matters most to you during this process.

How to File Bankruptcy

Your Path to Financial Freedom

First, we meet to review your debts, income, and assets. This consultation is free and helps us determine if bankruptcy is right for your situation. We’ll explain whether Chapter 7 or Chapter 13 makes more sense for your circumstances.

Next, we prepare and file your bankruptcy petition. This immediately triggers the automatic stay, which stops all creditor collection activities, wage garnishments, and foreclosure proceedings. You get breathing room while we handle the legal work.

Finally, we guide you through the court process, attend hearings with you, and ensure you receive the maximum debt relief allowed by law. Most Chapter 7 cases result in a complete discharge of debts within 90-120 days of filing.

Ready to get started?

Explore More Services

About Frank Law Firm, P.C.

Get a Free Consultation

Debt Relief Lawyer Services

Complete Bankruptcy and Debt Relief

We handle all types of bankruptcy cases for Hollis residents. Chapter 7 bankruptcy eliminates credit card debt, medical bills, personal loans, and old tax debt. Chapter 13 bankruptcy stops foreclosure and creates affordable payment plans for secured debts.

Our foreclosure defense services help homeowners negotiate loan modifications, fight wrongful foreclosure actions, and buy time to explore alternatives. We also assist with creditor harassment issues and can stop wage garnishments immediately.

Every case includes thorough asset protection planning to ensure you keep your home, car, retirement accounts, and other exempt property. We explain exactly what you can keep before filing so there are no surprises during the process.

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

Most people keep their homes in bankruptcy. New York’s homestead exemption protects up to $170,825 of home equity in most counties. If you’re current on mortgage payments and your equity falls within the exemption limits, bankruptcy won’t affect your home ownership. Chapter 13 bankruptcy actually helps save homes from foreclosure by allowing you to catch up on missed payments over 3-5 years while stopping the foreclosure process immediately.

How much does it cost to file bankruptcy in Hollis?

Chapter 7 bankruptcy costs include a $338 court filing fee plus attorney fees that typically range from $1,200-$2,000 for straightforward cases. Chapter 13 bankruptcy has a $313 filing fee with attorney fees usually between $3,000-$4,000, though most of the attorney fee can be paid through your payment plan. We offer payment plans for legal fees and can often structure payments to fit your budget. The cost is almost always less than what you’d pay continuing to service unmanageable debt.

What debts can be eliminated through bankruptcy?

Bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, deficiency balances from repossessed vehicles, and old utility bills. Some tax debts can be discharged if they meet specific age and filing requirements. However, student loans, recent tax debt, child support, alimony, and debts from fraud generally cannot be eliminated. We review your specific debts during consultation to determine what can be discharged in your situation.

How long does the bankruptcy process take in New York?

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 receive your discharge 60-90 days later if no issues arise. Chapter 13 bankruptcy involves a 3-5 year payment plan, but you get immediate creditor protection when the case is filed. The payment plan confirmation usually occurs within 2-3 months of filing, and you make payments directly to the trustee throughout the plan period.

Can bankruptcy stop wage garnishment immediately?

Yes, filing bankruptcy immediately stops wage garnishments through the automatic stay provision. This protection begins the moment your case is filed with the court, even before creditors receive official notice. We can often file emergency petitions within 24-48 hours for clients facing immediate wage garnishment. The automatic stay also stops bank account levies, creditor lawsuits, and collection calls. Any wages garnished within 90 days before filing may be recoverable as well.

Will bankruptcy ruin my credit score permanently?

Bankruptcy appears on credit reports for 7-10 years, but most people see credit score improvement within 12-24 months after filing. This happens because your debt-to-income ratio improves dramatically when debts are eliminated. Many clients receive credit card offers within months of discharge, though initially at higher interest rates. The key is rebuilding credit responsibly after bankruptcy rather than avoiding credit entirely. Most people find that bankruptcy’s temporary credit impact is better than years of late payments, collections, and overwhelming debt.

Local Resources

Hollis, NY is located in Queens County in New York State