Bankruptcy Lawyer in Jackson Heights, NY

Stop Creditor Calls and Eliminate Debt

Get the fresh financial start you deserve with experienced bankruptcy representation in Jackson Heights.

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Chapter 7 Bankruptcy Attorney Queens

Your Debt Problems End Here

When you file for bankruptcy, the harassment stops immediately. No more creditor calls during dinner. No more panic when the phone rings. No more sleepless nights wondering how you’ll pay next month’s bills.

The automatic stay kicks in the moment we file your case. Creditors must stop calling, stop sending letters, and stop threatening lawsuits. If they’re garnishing your wages, that stops too. If you’re facing foreclosure, we can halt the process and give you breathing room.

Chapter 7 bankruptcy eliminates most unsecured debts completely. Credit cards, medical bills, personal loans – gone. Chapter 13 creates a manageable payment plan that fits your budget while protecting your assets. Either way, you keep essential belongings like your car, work tools, and household items.

Jackson Heights Debt Relief Lawyer

We Know Jackson Heights Families

The Frank Law Firm P.C. has helped Jackson Heights residents navigate financial crises for years. We understand the unique challenges facing our community – from medical emergencies that drain savings to job losses that make rent impossible.

You’re not just another case number here. We take time to explain your options in plain English, never rushing you into decisions. Our office serves the diverse Jackson Heights community with respect and understanding.

We’ve seen every type of debt situation. Whether it’s overwhelming credit card bills, medical debt from a family emergency, or business debts that followed you home, we know how to help.

File for Bankruptcy Jackson Heights

Simple Process, Real Protection

First, we meet for a free consultation where you tell us about your debts, income, and what you’re hoping to achieve. No judgment, just facts. We’ll review your situation and explain whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your circumstances.

Next, we gather your financial documents – pay stubs, tax returns, debt statements. We handle the paperwork and file your petition with the bankruptcy court. The moment we file, creditors must stop all collection activities against you.

You’ll attend a meeting of creditors about a month later. Sounds scary, but it’s usually quick and straightforward. We prepare you for every question. Most creditors don’t even show up. After that, you complete a financial management course, and your discharge typically comes within a few months.

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Foreclosure Defense Attorney Queens

Complete Debt Relief Services

Beyond bankruptcy filing, we provide comprehensive debt relief services for Jackson Heights families. If you’re behind on mortgage payments, we offer foreclosure defense to help you keep your home or negotiate better terms with your lender.

We handle both Chapter 7 and Chapter 13 cases, choosing the right approach based on your income, assets, and goals. Chapter 7 eliminates debts quickly if you qualify. Chapter 13 stops foreclosure and creates affordable payment plans while letting you keep your property.

Our service includes pre-filing credit counseling, document preparation, court representation, and post-bankruptcy guidance. We also help with alternatives to bankruptcy when appropriate, like debt negotiation or payment plan arrangements. Every case gets personal attention because your financial future matters.

How much does it cost to file bankruptcy in Jackson Heights?

Chapter 7 bankruptcy typically costs between $1,500-$2,500 in attorney fees plus $338 in court filing fees. Chapter 13 costs more upfront but can be paid through your payment plan. We offer payment plans for legal fees because we understand you’re already struggling financially. The cost of bankruptcy is usually far less than what you owe creditors, and you get immediate relief from collection activities. During your free consultation, we’ll give you an exact quote based on your specific situation and discuss payment options that work for your budget.

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

Most people keep their homes in bankruptcy. New York has generous homestead exemptions that protect equity in your primary residence. In Chapter 7, if you’re current on mortgage payments and your equity is within exemption limits, you typically keep the house. Chapter 13 is specifically designed to help you catch up on missed mortgage payments while stopping foreclosure. If you’re facing foreclosure, bankruptcy can halt the process and give you time to work out a solution. We review your home equity and mortgage situation during consultation to explain exactly how bankruptcy affects your specific property.

How long does the bankruptcy process take in Queens?

Chapter 7 bankruptcy typically takes 4-6 months from filing to discharge. Chapter 13 takes 3-5 years because you’re completing a payment plan. However, you get immediate relief when we file – creditor calls stop, wage garnishments end, and foreclosure proceedings halt. The meeting of creditors happens about 30 days after filing and usually lasts less than 10 minutes. Most of the process happens behind the scenes while you get back to normal life. We handle all court filings and communications with the bankruptcy trustee, so you can focus on your fresh start.

Can bankruptcy stop wage garnishment immediately?

Yes, bankruptcy stops wage garnishment the day we file your case. The automatic stay is a federal court order that immediately prohibits creditors from collecting debts, including payroll deductions. We notify your employer and the garnishing creditor that bankruptcy has been filed. In Chapter 7, the garnished debt is typically eliminated completely. In Chapter 13, you may pay a portion through your payment plan, but usually much less than the original garnishment amount. If creditors continue garnishing after we file, they’re violating federal law and can face penalties. Getting your full paycheck back often provides immediate financial relief.

What debts cannot be eliminated in bankruptcy?

Most common debts are eliminated in bankruptcy, but some survive. You’ll still owe recent income taxes, student loans (with rare exceptions), child support, alimony, and debts from drunk driving accidents. Recent luxury purchases or cash advances may not be dischargeable if made shortly before filing. Secured debts like mortgages and car loans continue if you want to keep the property, but you can surrender the property and eliminate any deficiency balance. Criminal fines and most government penalties also survive bankruptcy. During consultation, we review your specific debts to explain what gets eliminated and what remains.

Will bankruptcy ruin my credit score forever?

Bankruptcy affects your credit score initially, but many clients see improvement within 12-24 months. If you’re already behind on payments, your score is likely already damaged. Bankruptcy eliminates the debts dragging down your score and gives you a clean slate. Chapter 7 stays on your credit report for 10 years, Chapter 13 for 7 years, but the impact lessens over time. Many clients qualify for secured credit cards within months of discharge and car loans within a year or two. The key is rebuilding responsibly after bankruptcy. We provide guidance on credit rebuilding strategies to help you recover financially faster than you might expect.

Local Resources

Jackson Heights, NY is located in Queens County in New York State