Bankruptcy Lawyer in Kew Gardens Hills, NY

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Debt Relief Attorney Queens

Your Fresh Start Begins Here

You’re drowning in bills that keep growing no matter how much you pay. The phone won’t stop ringing with collection calls. You’re losing sleep wondering if you’ll lose your house.

Bankruptcy isn’t failure—it’s a legal tool designed to give people exactly like you a second chance. When you file for bankruptcy, creditors must stop calling you immediately. No more harassment. No more threats.

Your paycheck stays in your pocket instead of going to wage garnishment. Most importantly, you get to keep your home, your car, and the things your family needs while eliminating the debt that’s been crushing you. That’s not just relief—that’s getting your life back.

Bankruptcy Law Firm Kew Gardens Hills

We Know Queens, We Know Bankruptcy

The Frank Law Firm P.C. has been helping Kew Gardens Hills families navigate financial crises for years. We understand the unique challenges facing our community—from language barriers to cultural concerns about bankruptcy.

You won’t get shuffled through a bankruptcy mill here. We take the time to explain your options in plain English, answer your questions, and create a plan that actually works for your situation.

Our office is right here in Queens because this is our community too. We’ve seen how medical bills, job loss, and economic uncertainty can turn good people’s lives upside down through no fault of their own.

File for Bankruptcy Queens

Simple Process, Real Protection

First, we meet for a free consultation where you bring your bills, income information, and any court papers you’ve received. We’ll review everything and explain whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.

Once you decide to move forward, we prepare and file your bankruptcy petition. The moment it’s filed, creditors must stop all collection activities—no more calls, no more garnishments, no more foreclosure proceedings.

For Chapter 7, most cases are complete within four months. Chapter 13 involves a payment plan over three to five years, but you get immediate protection while paying only what you can actually afford. Either way, you’ll have breathing room to rebuild your financial life.

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Chapter 7 Chapter 13 Lawyer

Complete Bankruptcy Protection Services

We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense when you need more time to explore your options. Chapter 7 eliminates most debts completely within months. Chapter 13 lets you keep your house while catching up on missed mortgage payments through an affordable plan.

Many Kew Gardens Hills residents worry about losing everything, but New York’s exemption laws protect your home equity, car, retirement accounts, and household items. We make sure you keep what you need while getting rid of what’s drowning you.

You’ll also get complete credit counseling and financial planning guidance as part of the bankruptcy process. This isn’t just about eliminating current debt—it’s about making sure you never end up in this situation again.

How quickly can bankruptcy stop foreclosure on my house?

Bankruptcy stops foreclosure immediately when we file your case, even if the foreclosure sale is scheduled for tomorrow. This automatic stay gives you breathing room to either catch up on payments through Chapter 13 or explore other options. If you’re behind on mortgage payments but can afford the regular monthly payment going forward, Chapter 13 lets you spread those missed payments over three to five years while keeping your house. The key is acting before the foreclosure sale actually happens.

Will I lose my car if I file for bankruptcy?

Most people keep their cars in bankruptcy. New York law protects up to $4,550 in vehicle equity, and if you’re current on car payments, you can usually keep making payments and retain the vehicle. If you’re behind on car payments, Chapter 13 lets you catch up over time. Even if your car is worth more than the exemption amount, we often find ways to protect it using other exemptions or by negotiating with the trustee. The goal is keeping the transportation you need for work and family.

What debts cannot be eliminated through bankruptcy?

Most credit card debt, medical bills, personal loans, and old utility bills get completely eliminated. However, student loans, recent taxes, child support, and alimony typically cannot be discharged. Debts from fraud or drunk driving accidents also survive bankruptcy. Secured debts like mortgages and car loans can be eliminated, but you’ll lose the property if you stop paying. We’ll review your specific debts during consultation to show you exactly what will be eliminated and what remains.

How much does it cost to file bankruptcy in New York?

Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, plus attorney fees that vary based on case complexity. We offer payment plans because we understand you wouldn’t need bankruptcy if money wasn’t tight. Many clients pay attorney fees over several months before filing, and Chapter 13 attorney fees can often be included in your payment plan. During your free consultation, we’ll give you exact costs based on your situation and discuss payment options that work for your budget.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy appears on credit reports for 10 years, while Chapter 13 shows for 7 years. However, most people see their credit scores start improving within 6-12 months after filing because their debt-to-income ratio improves dramatically. Many clients qualify for car loans within a year and mortgages within 2-3 years post-bankruptcy. The key is rebuilding credit responsibly after discharge. We provide guidance on credit rebuilding strategies as part of our service.

Can I file bankruptcy if I'm not a U.S. citizen?

Yes, you can file bankruptcy in New York regardless of citizenship status as long as you live here, own property here, or have a business here. Immigration status doesn’t affect your right to bankruptcy protection. However, we always consider how bankruptcy might impact any pending immigration applications or future citizenship proceedings. Our office works with clients from many different backgrounds and can discuss your case in multiple languages to ensure you fully understand your options and any potential immigration implications.

Local Resources

Kew Gardens Hills, NY is located in Queens County in New York State