Bankruptcy Lawyer in Kismet, NY

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Get immediate protection from creditors and real debt relief that actually works in New York.

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Chapter 7 Bankruptcy Attorney

What Life Looks Like After

The phone stops ringing. You sleep through the night without worrying about losing your house. Your paycheck stays in your account instead of getting garnished.

That’s what happens when you file for bankruptcy the right way. Chapter 7 wipes out credit card debt, medical bills, and other unsecured debt completely. Chapter 13 lets you catch up on your mortgage payments while protecting your home from foreclosure.

You keep what matters most. Your retirement accounts stay protected. Your car stays in your driveway. Your essential belongings remain yours under New York’s bankruptcy exemptions.

Kismet Bankruptcy Law Firm

We Know New York Law

We handle bankruptcy cases throughout Long Island and know exactly how the Eastern District of New York bankruptcy court works. We’ve helped families in Kismet and surrounding communities get real debt relief for years.

You won’t get shuffled between paralegals or junior attorneys. You work directly with an experienced bankruptcy lawyer who understands New York’s specific exemptions and procedures.

We’ve seen every type of financial crisis. Job loss, medical bills, divorce, business failure. None of it shocks us, and none of it changes how we treat you.

How to File Bankruptcy

The Process Is Straightforward

First, we review your debts, income, and assets during a free consultation. We determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. Most people qualify for Chapter 7, which eliminates debt in about four months.

Next, we prepare and file your bankruptcy petition with the court. The automatic stay goes into effect immediately, stopping all collection calls, foreclosure proceedings, and wage garnishments that same day.

Then you attend a brief meeting with the bankruptcy trustee, usually lasting 10-15 minutes. We prepare you for every question they might ask. After that, you wait for your discharge order, which legally eliminates your qualifying debts forever.

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Debt Relief Lawyer Services

Complete Bankruptcy Representation

You get everything needed for a successful bankruptcy case. We handle all paperwork, court filings, and communication with creditors and trustees. No surprise fees or hidden costs.

Our service includes foreclosure defense when needed. If you’re behind on mortgage payments, Chapter 13 bankruptcy can stop foreclosure and give you up to five years to catch up. We also handle creditor harassment issues and know how to deal with aggressive collection agencies.

We explain New York’s bankruptcy exemptions in plain English. You’ll understand exactly what property you can keep and what debts get eliminated. Most clients keep their home, car, retirement accounts, and personal belongings.

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

Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, set by federal law. Attorney fees vary based on your case complexity, but we offer payment plans to make legal representation affordable. Many clients pay attorney fees over time, and Chapter 13 fees can often be included in your repayment plan. We discuss all costs upfront during your free consultation, so you know exactly what to expect with no hidden surprises.

Will I lose my house if I file for bankruptcy?

Most people keep their homes in bankruptcy. New York’s homestead exemption protects up to $170,825 of home equity, and married couples can double that amount. If you’re current on mortgage payments, Chapter 7 typically lets you keep your house. If you’re behind on payments, Chapter 13 stops foreclosure and gives you up to five years to catch up. We review your specific situation to determine the best strategy for protecting your home.

What debts cannot be eliminated in bankruptcy?

Student loans, recent taxes, child support, alimony, and debts from fraud generally cannot be discharged. However, bankruptcy eliminates most common debts including credit cards, medical bills, personal loans, deficiency balances from repossessed cars, and old utility bills. Some tax debts can be eliminated if they meet specific age requirements. We review your entire debt situation to identify which obligations can be discharged and which will remain after bankruptcy.

How long does the bankruptcy process take in New York?

Chapter 7 bankruptcy typically takes 4-6 months from filing to discharge. Chapter 13 involves a 3-5 year repayment plan, but you get immediate protection from creditors when we file your case. The automatic stay stops collection calls, foreclosure, and wage garnishment the same day we file. Most clients feel relief within days of filing, even though the legal process takes several months to complete. We keep you informed at every step.

Can I file for bankruptcy if I have a job?

Yes, having a job doesn’t prevent you from filing bankruptcy. Chapter 7 has income limits based on New York’s median income, but many working people qualify. If your income is too high for Chapter 7, Chapter 13 lets you keep your job while paying back a portion of your debts over 3-5 years. We use the means test to determine which chapter works best for your income level and family size. Employment actually helps in Chapter 13 cases.

Will bankruptcy ruin my credit forever?

Bankruptcy stays on your credit report for 7-10 years, but your credit score can improve much sooner. Many clients see their scores increase within 12-18 months because they eliminate overwhelming debt. You can get a secured credit card right after discharge and rebuild credit responsibly. Some clients qualify for car loans within a year and mortgages within 2-3 years. The key is eliminating debt that’s dragging down your score and starting fresh with manageable payments.

Local Resources

Kismet, NY is located in Suffolk County in New York State