Bankruptcy Lawyer in Jamaica, NY

Stop the Calls, Save Your Home

Get immediate relief from creditors and protect what matters most to your family.

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Debt Relief Lawyer Jamaica

What Life Looks Like After Filing

The phone stops ringing with collection calls. Your paycheck stays in your account instead of being garnished. You sleep through the night without worrying about losing your home.

That’s what happens when you file bankruptcy with proper legal guidance. The automatic stay kicks in immediately, giving you breathing room to reorganize your finances or eliminate debt entirely.

You’re not just buying time—you’re buying a real chance to rebuild. Most people see their credit scores start improving within 12-18 months of filing. Compare that to years of missed payments and collection accounts dragging you down.

Jamaica Bankruptcy Attorney

We Know Queens Financial Struggles

We at The Frank Law Firm P.C. have helped Jamaica families navigate financial crises for years. We understand the unique challenges facing Queens residents—from high housing costs to job market instability.

We’re not some Manhattan firm that doesn’t understand your neighborhood. Our office is here in Queens because we serve this community. We know the local courts, the trustees, and how to get things done efficiently.

Most importantly, we know that good people end up in bad financial situations through no fault of their own. Medical bills, job loss, divorce—life happens. We’re here to help you handle it.

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File for Bankruptcy Jamaica

Your Path to Financial Freedom

First, we meet for a free consultation to review your debts, income, and assets. We’ll determine if Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation, or if there’s another solution entirely.

Once you decide to move forward, we prepare and file your bankruptcy petition. The automatic stay goes into effect immediately—creditors must stop all collection activities. No more calls, no more garnishments, no more foreclosure proceedings.

From there, we guide you through the process. You’ll attend a meeting of creditors (we’ll be right there with you), complete any required courses, and follow the court’s requirements. Most Chapter 7 cases are completed in 3-4 months. Chapter 13 payment plans typically run 3-5 years, but you keep your assets while catching up on payments.

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Chapter 7 Bankruptcy Lawyer

Complete Bankruptcy Legal Services

We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense when you need to buy time. Chapter 7 eliminates most unsecured debts in a few months. Chapter 13 lets you keep your home while catching up on missed mortgage payments.

Our service includes all court filings, representation at hearings, and guidance through every step of the process. We also help with pre-bankruptcy planning to protect your assets legally and advise on timing your filing for maximum benefit.

You’ll work directly with an experienced bankruptcy attorney, not a paralegal or assistant. We return calls promptly because we know you’re dealing with time-sensitive issues like foreclosure deadlines and garnishment orders.

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Bankruptcy can stop foreclosure immediately through the automatic stay, which goes into effect the moment we file your case. Even if your foreclosure sale is scheduled for tomorrow, filing bankruptcy will halt the proceedings. However, this is temporary relief—you’ll need a plan to address the underlying mortgage debt. Chapter 13 bankruptcy allows you to catch up on missed payments over 3-5 years while keeping your home. Chapter 7 may give you several months to negotiate with your lender or prepare for a transition. The key is acting quickly before the foreclosure sale occurs.
Chapter 7 eliminates most unsecured debts like credit cards and medical bills in about 3-4 months. You may have to give up some assets, but most people keep their home, car, and personal belongings. Chapter 13 is a 3-5 year payment plan that lets you keep all your property while catching up on missed mortgage or car payments. Chapter 13 works well if you have steady income but fell behind on secured debts. Chapter 7 is better if you’re overwhelmed by credit card debt and have limited income. We’ll analyze your specific situation to recommend the best option.
Attorney fees for Chapter 7 bankruptcy typically range from $1,500-$2,500, plus a $338 court filing fee. Chapter 13 cases cost more because they involve ongoing court supervision—usually $3,500-$4,500 plus a $313 filing fee. We offer payment plans because we understand you’re filing bankruptcy precisely because money is tight. Many clients pay a portion upfront and arrange payments for the balance. The cost of bankruptcy is almost always less than what you’d pay trying to settle debts on your own, and the legal protection is invaluable.
Most people keep their cars in bankruptcy. New York allows you to protect up to $4,550 in vehicle equity, and many cars are worth less than what’s owed anyway. If you’re current on car payments, you can usually keep making payments and retain the vehicle. If you’re behind on payments, Chapter 13 lets you catch up over time. Even in Chapter 7, you can often negotiate with the lender to keep the car. We’ll review your car loan and vehicle value during your consultation to give you a clear answer about your specific situation.
Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 remains for 7 years. However, the impact on your credit score decreases significantly over time. Most clients see their scores start improving within 12-18 months as they establish new, positive payment history. Many people qualify for car loans within a year and mortgages within 2-3 years post-bankruptcy. Compare this to years of missed payments, collections, and judgments that also destroy your credit but don’t give you a fresh start. Bankruptcy often improves your credit situation faster than struggling with unmanageable debt.
Yes, bankruptcy immediately stops wage garnishment through the automatic stay. Your employer must stop deducting money from your paycheck as soon as we file your case. In Chapter 7, most garnishments are permanently eliminated along with the underlying debt. In Chapter 13, garnishments stop while you make manageable payments through your repayment plan. We can also help you recover some garnished wages in certain situations. If you’re facing garnishment, time is critical—contact us immediately to protect your income and explore your options.

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