Get immediate creditor protection and a clear path out of debt with experienced local bankruptcy representation.
Hear from Our Customers
You wake up without that knot in your stomach. The phone isn’t ringing with collection calls every hour. Your paycheck stays in your account instead of getting garnished.
That’s what happens when bankruptcy protection kicks in. The automatic stay stops creditors cold – no more harassment, no more threats, no more sleepless nights wondering if you’ll lose everything.
In Chapter 7, most unsecured debts get wiped out completely in about four months. Credit cards, medical bills, personal loans – gone. In Chapter 13, you get a manageable payment plan that actually fits your budget, not what creditors demand. Either way, you keep the assets that matter most and get breathing room to rebuild.
We have been helping Suffolk County residents navigate financial crises for years. We know the local bankruptcy trustees, understand how the Central Islip courthouse operates, and have guided hundreds of families through this process.
You’re not getting shuffled through a bankruptcy mill. You’re working with attorneys who take the time to understand your specific situation and build a strategy that protects what matters most to you.
We’ve seen every type of financial situation Lake Ronkonkoma Heights residents face – from medical debt disasters to business failures to divorce-related financial strain. That experience means fewer surprises and better outcomes for you.
First, we sit down and map out your complete financial picture. Income, expenses, assets, debts – everything. This determines whether Chapter 7 or Chapter 13 makes more sense for your situation, and what you can expect to keep or lose.
Next, we prepare and file your petition with the bankruptcy court. The moment it’s filed, the automatic stay kicks in. Creditors have to stop calling, garnishments end, and foreclosure proceedings get put on hold.
About a month later, you attend a meeting of creditors – it’s not in a courtroom, just a conference room with a trustee who asks basic questions about your finances. Most meetings last under ten minutes. From there, Chapter 7 cases typically wrap up in three to four months with a discharge order that eliminates your qualifying debts. Chapter 13 cases involve a three to five-year payment plan, but you get immediate protection and a clear end date.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense when you need to buy time or save your home. That includes reviewing mortgage modifications, challenging improper foreclosure procedures, and integrating home protection into your overall debt relief strategy.
You also get pre-filing credit counseling coordination, exemption planning to protect your assets, and post-bankruptcy guidance on rebuilding credit. We deal with creditor objections, trustee issues, and any complications that come up during your case.
Many Lake Ronkonkoma Heights clients come to us when they’re already facing garnishments, bank levies, or foreclosure notices. We can often file emergency petitions to stop these actions immediately, then build out the complete case from there. The key is acting before you lose assets or income that could have been protected.