Bankruptcy Lawyer in Jericho, NY

Stop Creditor Calls and Save Your Home

Get immediate debt relief protection and explore your options with an experienced Jericho bankruptcy attorney who understands your situation.

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Debt Relief Solutions Jericho

What Life Looks Like After Debt Relief

You wake up without that crushing weight on your chest. The phone stops ringing with creditor calls. Your paycheck actually goes toward your family’s needs instead of disappearing into minimum payments that never seem to touch the principal.

When you file for bankruptcy or negotiate debt relief, the automatic stay kicks in immediately. This legal protection stops foreclosure proceedings, wage garnishments, and creditor harassment while you get back on your feet.

Your home becomes secure again. Your family stops walking on eggshells. You can answer the phone without fear and check the mail without dread. Most importantly, you can start planning for your future instead of just surviving each month.

Jericho Bankruptcy Law Firm

Local Experience When You Need It Most

The Frank Law Firm P.C. has been helping Long Island families navigate financial crises and find real solutions to overwhelming debt. We understand the unique pressures facing Jericho residents – from high property taxes to the cost of living that can quickly spiral out of control.

We’ve guided hundreds of clients through Chapter 7 and Chapter 13 bankruptcy filings in Nassau County courts. Our approach is straightforward: understand your complete financial picture, explain every option available, and help you choose the path that protects your family’s future.

You’re not just another case number here. We know that financial problems happen to good people, and we treat every client with the respect and attention they deserve during a difficult time.

How to File Bankruptcy Jericho

Your Path to Financial Freedom

We start with a free consultation where you can speak openly about your financial situation without judgment. We’ll review your debts, income, assets, and goals to determine if bankruptcy is right for you or if other debt relief options might work better.

If bankruptcy makes sense, we’ll help you choose between Chapter 7 for a fresh start or Chapter 13 for a manageable payment plan. We handle all the paperwork, court filings, and creditor communications so you can focus on moving forward.

The automatic stay protection begins as soon as we file, stopping collection calls, foreclosure proceedings, and wage garnishments immediately. We’ll represent you at the meeting of creditors and guide you through every step until you receive your discharge and can truly start over.

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About Frank Law Firm, P.C.

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Chapter 7 Chapter 13 Lawyer

Complete Bankruptcy and Debt Relief Services

We handle both Chapter 7 liquidation cases for clients who want to eliminate unsecured debt quickly and Chapter 13 reorganization for those who need to catch up on mortgage payments or have assets to protect. Our foreclosure defense services can buy you time and potentially save your home through loan modifications or bankruptcy protection.

Many Jericho clients benefit from our business bankruptcy experience when personal guarantees on business loans create overwhelming personal liability. We also assist with pre-bankruptcy planning to maximize exemptions and protect essential assets like retirement accounts and your primary residence.

Every case includes thorough credit counseling guidance and post-bankruptcy advice to help you rebuild your financial life. We want you to understand not just how to get out of debt, but how to stay out and build wealth for your family’s future.

How quickly can bankruptcy stop foreclosure on my Jericho home?

Bankruptcy filing creates an automatic stay that stops foreclosure proceedings immediately – often within 24 hours of filing. This gives you breathing room to explore options like Chapter 13 repayment plans to catch up on missed mortgage payments, or Chapter 7 to eliminate other debts so you can afford your mortgage going forward. Even if foreclosure is scheduled for next week, bankruptcy can halt the process and give you time to develop a strategy to keep your home.

What's the difference between Chapter 7 and Chapter 13 bankruptcy in New York?

Chapter 7 eliminates most unsecured debts like credit cards and medical bills in about 4 months, but you may need to give up non-exempt assets. Chapter 13 lets you keep your property while paying back a portion of debts over 3-5 years. Chapter 13 works well if you’re behind on mortgage payments, have significant assets to protect, or earn too much for Chapter 7. Most Jericho residents qualify for Chapter 7, but Chapter 13 often makes more sense for homeowners facing foreclosure who want to stay in their homes.

Will I lose my house and car if I file bankruptcy?

Most clients keep their home and car through bankruptcy exemptions that protect essential assets. New York’s homestead exemption protects significant home equity, and vehicle exemptions cover reasonable car values. If you’re current on secured debt payments and the equity falls within exemption limits, you typically keep the property. Chapter 13 bankruptcy specifically helps you catch up on missed payments while keeping assets. We’ll analyze your specific situation to determine exactly what you can protect before filing.

How much does it cost to file bankruptcy in Jericho?

Chapter 7 attorney fees typically range from $1,500-$2,500 plus a $338 court filing fee, while Chapter 13 cases cost more due to the 3-5 year timeline but can often be paid through the repayment plan. We offer payment plans because we understand you’re filing bankruptcy due to financial hardship. Many clients use their tax refund or stop paying unsecured debts (under our guidance) to save for bankruptcy fees. The cost is usually far less than what you’d pay continuing minimum payments on debts that will be eliminated.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy appears on your credit report for 10 years, while Chapter 13 shows for 7 years. However, most clients see their credit scores improve within 12-24 months after filing because their debt-to-income ratio improves dramatically. You can often qualify for a mortgage 2-3 years after Chapter 7 or during a Chapter 13 plan with court approval. Many clients find that bankruptcy actually helps their credit faster than struggling with overwhelming debt payments and missed payments for years.

Can bankruptcy eliminate tax debt and student loans?

Some tax debts can be eliminated in bankruptcy if they meet specific age and filing requirements – generally income taxes over 3 years old where returns were filed on time. Student loans are rarely dischargeable but bankruptcy can eliminate other debts so you can afford student loan payments. Chapter 13 can also stop IRS collection actions and create manageable payment plans for recent tax debt. We’ll review your specific tax situation to determine what relief is possible through bankruptcy versus other debt resolution strategies.

Local Resources

Jericho, NY is located in Nassau County in New York State