Bankruptcy Lawyer in Lefrak City, NY

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Chapter 7 Bankruptcy Attorney Queens

Your Fresh Start Begins Here

You’re not sleeping. The phone won’t stop ringing. Every piece of mail feels like another threat to everything you’ve worked for.

Bankruptcy isn’t about giving up—it’s about taking back control. When you file for bankruptcy, an automatic stay immediately stops all collection calls, wage garnishments, and foreclosure proceedings. The harassment ends the day we file your case.

Chapter 7 bankruptcy can eliminate most of your unsecured debts in just 3-4 months. Credit cards, medical bills, personal loans—gone. Chapter 13 lets you keep your home while creating a manageable payment plan to catch up on what you owe. You get to choose the path that works for your situation, not what works for your creditors.

Debt Relief Lawyer Lefrak City

We Know Queens Bankruptcy Law

We at The Frank Law Firm P.C. have been helping Lefrak City families navigate financial crises for years. We understand the unique pressures facing our community—from rising housing costs to unexpected medical bills that can derail even the most careful budget.

Our approach is straightforward: we listen to your situation, explain your options in plain English, and handle the legal work while you focus on rebuilding. We’ve guided hundreds of clients through both Chapter 7 and Chapter 13 cases in the Eastern District of New York bankruptcy courts.

You’re not just another case number here. You’re a neighbor who deserves respect, clear answers, and effective legal representation during one of the most stressful times in your life.

File for Bankruptcy Lefrak City

Simple Process, Powerful Protection

Your bankruptcy case starts with a free consultation where we review your debts, income, and assets. No pressure, no sales pitch—just honest answers about whether bankruptcy makes sense for your situation.

If you decide to move forward, we immediately begin preparing your petition. This includes gathering financial documents, completing required credit counseling, and filing all necessary paperwork with the bankruptcy court. The moment we file, the automatic stay goes into effect and your creditors must stop all collection activities.

For Chapter 7 cases, you’ll attend one brief meeting with the bankruptcy trustee about 30 days after filing. Most clients are in and out in under 10 minutes. Chapter 13 cases involve creating a 3-5 year repayment plan that the court must approve. We handle all the legal requirements while keeping you informed every step of the way.

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Foreclosure Defense Attorney Queens

Complete Debt Relief Services

We handle all types of bankruptcy cases, from straightforward Chapter 7 liquidations to complex Chapter 13 reorganizations. Our foreclosure defense work often runs parallel to bankruptcy proceedings, giving you maximum protection for your home.

Many Lefrak City clients come to us facing multiple financial pressures at once. You might be behind on your mortgage, dealing with credit card debt, and worried about medical bills—all while trying to keep your family stable. We coordinate all aspects of your debt relief strategy so nothing falls through the cracks.

Our service includes pre-filing credit counseling coordination, complete petition preparation, court representation, and post-discharge guidance on rebuilding your credit. We also provide ongoing support for any issues that arise after your case closes, because your fresh start shouldn’t come with unanswered questions.

How quickly can bankruptcy stop foreclosure on my home?

Bankruptcy can stop foreclosure immediately through the automatic stay, which goes into effect the moment we file your case. If your foreclosure sale is scheduled for tomorrow and we file tonight, the sale cannot proceed. However, timing matters enormously. The closer you are to a foreclosure sale, the more limited your options become. Chapter 13 bankruptcy is often the best tool for homeowners because it allows you to catch up on missed payments over 3-5 years while keeping your home. Chapter 7 can buy you time but won’t help you catch up on missed payments. The key is acting quickly—don’t wait until the day before your foreclosure sale to seek help.

What debts can I eliminate with Chapter 7 bankruptcy?

Chapter 7 bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, old utility bills, and deficiency balances from repossessed vehicles. You’ll also discharge most lawsuit judgments and wage garnishments. However, certain debts survive bankruptcy including recent taxes, student loans, child support, alimony, and debts incurred through fraud. Secured debts like mortgages and car loans are handled differently—you can keep the property by continuing payments or surrender it and eliminate any remaining balance. The exact mix of dischargeable debts varies by case, which is why we review your specific situation during your free consultation.

Will I lose my house and car in bankruptcy?

Most people keep their homes and cars in bankruptcy. New York’s exemption laws protect a significant amount of equity in your primary residence and vehicle. If you’re current on your mortgage and car payments, you can usually keep both by continuing to pay. If you’re behind on payments, Chapter 13 lets you catch up over time while keeping the property. Chapter 7 requires you to be current or become current quickly, but you won’t lose assets simply because you filed for bankruptcy. The key factors are how much equity you have, whether you’re current on payments, and which chapter you file. We’ll analyze your specific situation and tell you exactly what to expect with your property.

How much does it cost to file bankruptcy in Lefrak City?

Chapter 7 bankruptcy cases typically cost between $1,500-$2,500 in attorney fees plus a $338 court filing fee. Chapter 13 cases range from $3,000-$4,000 in attorney fees plus a $313 filing fee, with most attorney fees paid through your repayment plan. We offer payment plans for Chapter 7 cases and often require only a portion of fees upfront. The exact cost depends on your case’s complexity—multiple properties, business debts, or prior bankruptcies can increase fees. We provide a clear fee quote during your free consultation with no hidden costs or surprise charges. Many clients find that bankruptcy saves them far more money than it costs by eliminating debt and stopping collection activities.

How long does the bankruptcy process take from start to finish?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge. You’ll attend one brief trustee meeting about 30 days after filing, then wait for the discharge order. Chapter 13 cases involve a 3-5 year repayment plan, but you get immediate protection from the automatic stay when we file. Most clients see their financial stress disappear within days of filing, even though the legal process takes longer. The timeline can vary based on court schedules, trustee requirements, and case complexity. We keep you informed throughout the process and handle all deadlines and requirements. Your fresh start begins the day we file, not the day your case closes.

Can I file bankruptcy if I have income or own property?

Yes, having income and property doesn’t disqualify you from bankruptcy. Chapter 7 has income limits based on the “means test,” but many working families still qualify. If your income is too high for Chapter 7, Chapter 13 might be perfect for your situation. Property ownership is rarely a barrier—New York’s exemption laws protect reasonable amounts of home equity, vehicle equity, retirement accounts, and personal property. The goal isn’t to leave you destitute but to give you a manageable fresh start. We analyze your income, expenses, and assets during your free consultation to determine which chapter works best. Many successful bankruptcy cases involve people with jobs and property who simply got overwhelmed by debt.

Local Resources

Lefrak City, NY is located in Queens County in New York State