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Bankruptcy Lawyer in Laurelton, NY

Stop the Calls. Save Your Home.

Get immediate creditor relief and protect what matters most to your family.

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516-246-5577
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Debt Relief Attorney Laurelton

What Life Looks Like After

The phone stops ringing. You sleep through the night without worrying about losing your house. Your paycheck actually covers your bills instead of disappearing into a black hole of minimum payments.

That’s what happens when you file for bankruptcy with proper legal guidance. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in as little as four months. Chapter 13 bankruptcy lets you keep your home while creating a manageable payment plan based on what you actually earn, not what creditors demand.

You’re not stuck. The constant stress of choosing between groceries and mortgage payments doesn’t have to be your reality. Bankruptcy exists specifically to give people like you a genuine fresh start when debt becomes impossible to manage.

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Laurelton Bankruptcy Law Firm

We Handle Bankruptcy Law Daily

The Frank Law Firm P.C. focuses specifically on bankruptcy and debt relief cases for New York families. We’ve guided hundreds of clients through both Chapter 7 and Chapter 13 proceedings, and we understand exactly how the local courts handle these cases.

You work directly with an experienced bankruptcy attorney, not a paralegal or assistant. We know which exemptions protect your property under New York law, how to handle complex asset situations, and what actually happens at each step of the process.

We’ve been helping Laurelton residents eliminate overwhelming debt and stop foreclosure proceedings for years. When you’re dealing with financial crisis, you need someone who knows the system inside and out.

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How to File Bankruptcy

Here's Exactly What Happens Next

First, we review your complete financial situation during a consultation. We look at your income, expenses, debts, and assets to determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your circumstances.

Once we file your petition, the automatic stay goes into effect immediately. This legally stops all collection calls, wage garnishments, and foreclosure proceedings. Creditors cannot contact you directly anymore – they have to go through us.

For Chapter 7, you’ll attend a meeting of creditors about 30 days after filing, then receive your discharge in 3-4 months. Chapter 13 involves creating a 3-5 year repayment plan that the court approves. Throughout the entire process, we handle all communication with creditors, trustees, and the court so you can focus on rebuilding your financial foundation.

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Chapter 7 Chapter 13 Attorney

Complete Bankruptcy Legal Representation

We handle every aspect of your bankruptcy case from initial filing through final discharge. This includes preparing all required documentation, representing you at the meeting of creditors, responding to any trustee requests, and ensuring your case moves through the court system efficiently.

You get direct access to your attorney throughout the process, not just during the initial consultation. We explain what’s happening at each stage so you understand exactly where your case stands and what to expect next.

Our service also includes foreclosure defense when needed. If you’re behind on mortgage payments, we can often negotiate with lenders while your bankruptcy case is pending, giving you time to catch up or modify your loan terms. Many Laurelton families have been able to keep their homes this way when they thought foreclosure was inevitable.

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How quickly can bankruptcy stop foreclosure proceedings in New York?

The automatic stay takes effect immediately when we file your bankruptcy petition, which legally stops all foreclosure proceedings. Even if a foreclosure sale is scheduled for next week, filing bankruptcy will halt the process. However, this protection is temporary – you’ll need to work out a long-term solution through your bankruptcy case, such as catching up on missed payments through a Chapter 13 repayment plan or negotiating a loan modification. The key is acting quickly before the foreclosure sale actually occurs.
Chapter 7 eliminates most unsecured debts like credit cards and medical bills in about four months, but you must qualify based on income limits. Chapter 13 creates a 3-5 year repayment plan that lets you keep your home and catch up on missed mortgage payments over time. Chapter 7 works best if you have limited income and few assets, while Chapter 13 is better if you have steady income but need time to reorganize your debts. We’ll analyze your specific situation to determine which option gives you the best outcome.
Most people keep their homes in bankruptcy. New York’s homestead exemption protects up to $170,825 of equity in your primary residence (more in some counties). If you’re current on mortgage payments, Chapter 7 typically won’t affect your home. If you’re behind on payments, Chapter 13 lets you catch up over 3-5 years while keeping the house. The real risk to your home comes from not addressing overwhelming debt – foreclosure happens when you can’t make payments, not because you file bankruptcy.
Attorney fees for Chapter 7 typically range from $1,500-$2,500 plus court filing fees of $338. Chapter 13 cases cost more because they involve ongoing court supervision, usually $3,000-$4,000 plus $313 in court fees. We offer payment plans because we understand you’re filing bankruptcy precisely because money is tight. Many clients pay attorney fees over several months before filing, and Chapter 13 attorney fees can often be included in your repayment plan and paid over time.
Certain debts survive bankruptcy including recent taxes, student loans (in most cases), child support, alimony, and debts from fraud or criminal activity. Secured debts like mortgages and car loans aren’t eliminated, but you can choose to keep the property and continue payments or surrender it and eliminate any remaining balance. Most credit card debt, medical bills, personal loans, and older tax debts can be discharged. We’ll review your specific debts to show you exactly what can and cannot be eliminated.
Chapter 7 bankruptcy appears on your credit report for 10 years, while Chapter 13 shows for 7 years. However, the impact on your credit score decreases significantly over time, especially if you manage credit responsibly after discharge. Many clients see their credit scores improve within 1-2 years because they no longer have overwhelming debt dragging down their credit utilization ratios. You can typically qualify for a mortgage 2-3 years after bankruptcy discharge, often sooner than if you had continued struggling with unmanageable debt payments.

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Laurelton, NY is located in Queens County in New York State

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