Bankruptcy Lawyer in Knollwood Beach, NY

Stop Creditor Calls and Save Your Home

Get immediate relief from debt collectors and protect what matters most with experienced bankruptcy representation.

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Chapter 7 and Chapter 13 Options

Your Fresh Start Begins Here

You’re drowning in bills, and every phone call makes your stomach drop. The mail brings more demands, and you’re losing sleep wondering if you’ll lose your house. That constant weight on your chest doesn’t have to be permanent.

Filing for bankruptcy can stop the harassment immediately. The automatic stay kicks in the moment your case is filed, and creditors have to back off. No more calls during dinner, no more threatening letters, no more panic attacks when the phone rings.

Chapter 7 bankruptcy wipes out credit card debt, medical bills, and other unsecured debts in about four months. Chapter 13 lets you keep your home while reorganizing payments you can actually afford. Both options protect your retirement accounts, and New York’s exemptions help you keep essential assets like your car and household items.

Nassau County Bankruptcy Attorney

Local Knowledge That Protects You

The Frank Law Firm P.C. has been helping Long Island families navigate financial crises for years. We understand the unique challenges facing Knollwood Beach residents, from high property taxes to the cost of living that makes debt pile up fast.

You’ll work directly with us, not a paralegal or assistant. Every case gets personal attention because your situation isn’t just another file number. We know the local bankruptcy trustees, understand Nassau County court procedures, and use New York’s specific exemptions to protect as much of your property as possible.

Bankruptcy Filing Process

Clear Steps, No Surprises

Your free consultation covers everything. We review your debts, income, and assets to determine if Chapter 7 or Chapter 13 makes more sense for your situation. You’ll get straight answers about what you can keep, what gets eliminated, and how long the process takes.

Once you decide to move forward, we prepare all the paperwork while you gather required documents like tax returns and pay stubs. The filing happens quickly when needed, especially if foreclosure is looming. The automatic stay goes into effect immediately, stopping all collection activities.

After filing, you’ll attend a meeting of creditors, which sounds scarier than it is. We prepare you for the simple questions the trustee will ask. Most Chapter 7 cases close within four months with your debts discharged. Chapter 13 cases involve a payment plan that typically runs three to five years, but you keep your home and catch up on missed mortgage payments.

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Debt Relief and Foreclosure Defense

Complete Financial Protection Services

The Frank Law Firm P.C. handles both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense when you need to buy time or explore alternatives. We also provide debt relief counseling to help you understand all your options before making major decisions.

Every client gets a thorough analysis of their specific situation. Some people think they need bankruptcy when debt consolidation might work better. Others wait too long and miss opportunities to save their home. We give you honest advice about what will actually solve your problem.

We offer flexible payment plans because we know you’re already stretched financially. You can start your case and pay fees over time in many situations. Emergency filings are available when foreclosure sales are scheduled or wage garnishment is about to start.

How quickly can bankruptcy stop foreclosure on my home?

Bankruptcy can stop foreclosure immediately through the automatic stay, which goes into effect the moment your case is filed. If your foreclosure sale is scheduled for tomorrow, we can file your bankruptcy petition today and halt the sale. This gives you breathing room to explore Chapter 13 reorganization, which lets you catch up on missed mortgage payments over three to five years while keeping your home. The automatic stay also stops all other collection activities, including wage garnishment and creditor calls.

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

Chapter 7 eliminates most unsecured debts like credit cards and medical bills in about four months, but you might have to give up non-exempt assets. Chapter 13 lets you keep all your property while reorganizing debts into a manageable payment plan over three to five years. Chapter 7 works best if you have limited income and few assets. Chapter 13 is better if you’re behind on your mortgage, have significant assets you want to protect, or earn too much to qualify for Chapter 7. We analyze your specific situation to recommend the best option.

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

Most people keep their house and car in bankruptcy. New York’s homestead exemption protects up to $170,825 of home equity, and the motor vehicle exemption covers $4,425 of car value. If you’re current on your mortgage and car payments, you can usually keep making payments and retain the property. Chapter 13 is specifically designed to help you catch up on missed house payments while keeping your home. We review your equity and payment status to determine exactly what you can protect in your case.

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

Chapter 7 attorney fees typically range from $1,200 to $2,000, plus a $338 court filing fee. Chapter 13 cases cost more because they’re more complex and last longer, usually $3,000 to $4,500 plus a $313 filing fee. The Frank Law Firm P.C. offers payment plans so you don’t need all the money upfront. In Chapter 13 cases, attorney fees can often be included in your payment plan. We provide transparent pricing during your free consultation, so you know exactly what to expect with no hidden costs.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 remains for 7 years. However, you can start rebuilding credit immediately after filing. Many clients qualify for secured credit cards within months of their discharge. Car loans become available within a year or two, often with reasonable interest rates. Mortgage lenders typically require 2-4 years after discharge, depending on the loan program. The key is rebuilding responsibly with on-time payments and keeping balances low once you get new credit.

Can bankruptcy eliminate all my debts?

Bankruptcy eliminates most unsecured debts like credit cards, medical bills, personal loans, and old utility bills. However, certain debts survive bankruptcy, including recent taxes, student loans, child support, alimony, and debts from fraud or drunk driving. Secured debts like mortgages and car loans can be eliminated, but you’ll lose the collateral if you stop paying. We review your specific debts during consultation to explain exactly what gets eliminated and what remains. Most people are surprised by how much debt relief bankruptcy actually provides.

Local Resources

Knollwood Beach, NY is located in Suffolk County in New York State