Bankruptcy Lawyer in Long Beach, NY

Stop Creditors and Save Your Home

Get immediate protection from harassment and foreclosure with experienced Long Beach bankruptcy representation.

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Chapter 7 Bankruptcy Attorney

Your Fresh Start Begins Here

The phone calls stop. The letters stop. The threats stop.

When you file for bankruptcy, federal law immediately protects you with an automatic stay. This means creditors can’t call you, garnish your wages, or take your property while we handle your case.

You’ll sleep better knowing your home is protected from foreclosure. Your paycheck stays in your account instead of going to creditors. You can focus on rebuilding instead of drowning in debt you can’t pay.

Most of our Long Beach clients see their unsecured debts completely eliminated within months. Credit card balances, medical bills, personal loans – gone. You keep your home, your car, and the essentials you need to move forward.

Long Beach Debt Relief Lawyer

We Know Nassau County Courts

The Frank Law Firm P.C. has helped Long Island families eliminate overwhelming debt and protect their homes for years. We understand the financial pressures facing Long Beach residents – from high property taxes to storm damage costs to job market challenges.

Our office handles bankruptcy cases exclusively in Nassau County federal court. We know the trustees, the procedures, and how to get you the best possible outcome. You’re not just another case number to us.

We’ve seen families lose everything because they waited too long or tried to handle debt problems alone. That’s why we offer free consultations and payment plans that work with your budget.

File for Bankruptcy Process

Simple Steps to Debt Freedom

First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy gives you the best outcome. Most people qualify for Chapter 7, which eliminates unsecured debts completely.

Next, we prepare and file your bankruptcy petition with Nassau County federal court. The moment we file, the automatic stay goes into effect. Creditors must stop all collection activities immediately – no more calls, letters, or legal actions.

Then we guide you through the meeting of creditors, which is typically a brief, straightforward process. Most cases conclude within three to four months with a discharge order that legally eliminates your qualifying debts forever.

Throughout the process, we handle all communication with creditors and the court. You can focus on your family and your future instead of dealing with debt collectors and legal paperwork.

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Foreclosure Defense Attorney Services

Complete Debt Relief Solutions

We handle both Chapter 7 and Chapter 13 bankruptcy cases for Long Beach residents. Chapter 7 eliminates most unsecured debts within months, while Chapter 13 lets you catch up on mortgage payments and keep your home through a manageable payment plan.

Our foreclosure defense services buy you time and options when you’re behind on mortgage payments. We negotiate with lenders, challenge improper foreclosure procedures, and explore loan modifications that can save your home.

Beyond bankruptcy, we help with creditor harassment issues, wage garnishment problems, and asset protection strategies. Every case includes a thorough review of your debts to ensure you’re getting maximum relief under federal and New York state law.

We know Long Island’s high cost of living puts enormous pressure on working families. That’s why we structure our fees to be affordable and offer payment plans that don’t add to your financial stress.

How quickly can bankruptcy stop foreclosure on my Long Beach home?

Bankruptcy can stop foreclosure immediately through the automatic stay, which goes into effect the moment we file your case. If your home is scheduled for foreclosure sale next week, filing bankruptcy will halt the sale and give us time to explore your options. Chapter 13 bankruptcy is particularly effective for saving homes because it allows you to catch up on missed mortgage payments over three to five years while keeping your house. Even if the foreclosure sale is scheduled for tomorrow, we can often file an emergency bankruptcy petition to stop it, though earlier action always provides more options.

What debts can I eliminate with Chapter 7 bankruptcy in New York?

Chapter 7 bankruptcy eliminates most unsecured debts, including credit card balances, medical bills, personal loans, payday loans, and old utility bills. You’ll also discharge most lawsuit judgments and garnishment orders. However, you typically cannot eliminate recent taxes, student loans, child support, alimony, or debts from fraud. Secured debts like your mortgage and car loan aren’t discharged, but you can choose to keep the property and continue payments or surrender it without owing the remaining balance. We’ll review every debt during your consultation to determine exactly what can be eliminated in your specific situation.

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

Most Long Beach bankruptcy clients keep their homes and vehicles. New York’s bankruptcy exemptions protect significant equity in your primary residence and motor vehicle. If you’re current on your mortgage and car payments, you can usually keep both by continuing to make payments. If you’re behind on payments, Chapter 13 bankruptcy lets you catch up over time while keeping the property. The key is having realistic equity amounts and the ability to maintain payments going forward. We’ll calculate your exact exemptions during consultation to show you what property you can protect.

How much does it cost to file bankruptcy in Long Beach?

Our bankruptcy fees vary based on case complexity, but we offer affordable payment plans and free initial consultations. Chapter 7 cases typically cost less than Chapter 13 cases due to the shorter timeline and simpler process. Court filing fees are set by federal law and apply to all cases. We believe cost shouldn’t prevent you from getting debt relief, so we work with your budget to structure payments you can handle. Many clients find that stopping just one month of credit card payments covers a significant portion of their legal fees. We’ll provide exact pricing during your free consultation based on your specific situation.

How long does the bankruptcy process take in Nassau County?

Chapter 7 bankruptcy typically takes three to four months from filing to discharge in Nassau County federal court. Chapter 13 cases involve a three to five year payment plan, but you get immediate protection from the automatic stay when we file. The meeting of creditors usually occurs about a month after filing and takes just a few minutes for most clients. Once you receive your discharge order, the eliminated debts are gone forever. The timeline can vary slightly based on court schedules and case complexity, but we’ll give you specific expectations for your situation during consultation.

Can bankruptcy stop wage garnishment and bank account levies immediately?

Yes, the automatic stay stops wage garnishments and bank account levies the moment we file your bankruptcy case. Your employer must stop deducting money from your paycheck for most garnishments, and creditors cannot freeze or take money from your bank accounts. If money was recently taken from your account, we may be able to recover it as part of your bankruptcy case. The automatic stay is one of bankruptcy’s most powerful protections – it gives you breathing room to address your debts without creditors continuing to take your income and assets. This protection continues throughout your entire bankruptcy case.

Local Resources

Long Beach, NY is located in Nassau County in New York State