Bankruptcy Lawyer in Huntington Station, NY

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Get immediate relief from creditors and protect what matters most with experienced bankruptcy representation.

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Chapter 7 Bankruptcy Attorney

What Life Looks Like After

The phone stops ringing. Your paycheck stays in your account. You sleep through the night again.

When bankruptcy works the way it should, you’re not just eliminating debt—you’re reclaiming your life. Most Chapter 7 cases discharge your credit card debt, medical bills, and personal loans within four months. Chapter 13 lets you keep your house while catching up on missed mortgage payments over three to five years.

Your credit will recover faster than you think. Many clients qualify for new credit cards within a year and mortgages within two to three years. The key is stopping the financial bleeding now, before things get worse.

Huntington Station Bankruptcy Law Firm

We Handle the Hard Conversations

We’ve been helping Long Island families navigate financial crises for years. We’ve seen every situation—job loss, medical emergencies, business failures, divorce. Nothing shocks us.

You’ll work directly with an experienced bankruptcy attorney, not a paralegal or case manager. We know the local bankruptcy courts, the trustees, and exactly what paperwork Nassau County requires. This isn’t our first rodeo.

Most importantly, we get that you’re not here because you wanted to be. We’ll give you straight answers about your options without making you feel worse about your situation.

File for Bankruptcy Process

Here's What Actually Happens

First, we’ll review your debts, income, and assets to determine if Chapter 7 or Chapter 13 makes more sense. Chapter 7 wipes out most debts quickly but has income limits. Chapter 13 works for higher earners and homeowners behind on payments.

Once we file, you get immediate protection. Creditors must stop calling, wage garnishments end, and foreclosure proceedings pause. This automatic stay gives us time to work.

For Chapter 7, you’ll attend one brief meeting with the trustee about 30 days after filing. Most cases close within four months with your debts discharged. Chapter 13 involves a payment plan confirmation hearing, then you make monthly payments to the trustee while keeping your property.

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Debt Relief Lawyer Services

What's Included in Your Case

You get complete bankruptcy representation from petition to discharge. We handle all the paperwork, court filings, and trustee communications. You don’t deal with the court system alone.

We also provide foreclosure defense for homeowners facing auction. Sometimes we can negotiate loan modifications or short sales as alternatives to bankruptcy. If you’re behind on car payments, we’ll help you keep your vehicle through reaffirmation agreements or Chapter 13 plans.

Every case includes credit rebuilding guidance. We’ll explain how to improve your credit score post-bankruptcy and avoid the mistakes that got you here. Many clients are surprised how quickly their financial picture improves once they stop hemorrhaging money to creditors.

How long does Chapter 7 bankruptcy take in New York?

Most Chapter 7 cases in New York close within three to four months from filing to discharge. You’ll attend one meeting of creditors about 30-45 days after we file your petition. The trustee will ask basic questions about your finances and assets. If there are no complications—like non-exempt assets or income issues—your discharge order typically comes 60 days after the creditors meeting. The entire process is much faster than most people expect, especially compared to years of struggling with minimum payments that never reduce your principal balances.

Can I keep my house if I file for bankruptcy?

Yes, in most cases. New York’s homestead exemption protects up to $170,825 of equity in your primary residence (more in some counties). If you’re current on mortgage payments and have exemptible equity, Chapter 7 won’t affect your home. If you’re behind on payments, Chapter 13 lets you catch up over three to five years while stopping foreclosure. We’ve helped many Huntington Station homeowners save their houses through Chapter 13 payment plans. The key is acting before the foreclosure sale happens—once your house is sold at auction, it’s much harder to recover.

Will bankruptcy stop wage garnishment immediately?

Yes, filing bankruptcy creates an automatic stay that stops wage garnishments within 24 hours. Your employer must stop withholding money from your paycheck once they receive notice of your bankruptcy filing. This applies to credit card judgments, medical debt collections, and most other garnishments. Student loan and child support garnishments have different rules, but typical consumer debt garnishments end immediately. We’ve seen clients get back thousands of dollars in their paychecks right after filing. The automatic stay is one of bankruptcy’s most powerful tools for immediate financial relief.

How much does it cost to file bankruptcy in Huntington Station?

Chapter 7 attorney fees typically range from $1,500 to $2,500 plus a $338 court filing fee. Chapter 13 cases cost more because they involve payment plan administration over several years. We offer payment plans because we understand you wouldn’t be here if money wasn’t tight. Many clients pay half upfront and the balance before filing. The investment usually pays for itself within months when you stop making minimum payments on dischargeable debts. Free consultations let us give you exact pricing based on your situation’s complexity.

What debts cannot be eliminated in bankruptcy?

Student loans, recent taxes, child support, alimony, and criminal fines typically survive bankruptcy. Credit cards, medical bills, personal loans, old utility bills, and deficiency balances from repossessed cars usually get discharged. Secured debts like mortgages and car loans continue if you want to keep the property, but you can surrender the collateral and eliminate any deficiency balance. Recent cash advances or luxury purchases over $725 within 90 days of filing might not be dischargeable. We’ll review your specific debts during consultation to explain what goes away and what remains.

Will I lose my car if I file bankruptcy?

Most people keep their cars. New York exempts up to $4,825 of vehicle equity, and many cars are worth less than what you owe anyway. If you’re current on payments and want to keep the car, you’ll sign a reaffirmation agreement continuing the loan. If you’re behind on payments, Chapter 13 lets you catch up over time. If your car is worth significantly more than the exemption amount and you own it free and clear, the trustee might sell it, but you’d get the exemption amount back. We’ll evaluate your vehicle situation and explain your options during our initial meeting.

Local Resources

Huntington Station, NY is located in Suffolk County in New York State