Bankruptcy Lawyer in Long Island City, NY

Stop Creditor Calls and Start Fresh

Get immediate relief from overwhelming debt with experienced bankruptcy representation that protects your future.

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Debt Relief Attorney Long Island City

What Life Looks Like After Filing

The phone stops ringing with collection calls. You sleep through the night without worrying about losing your home. Your paycheck stays in your pocket instead of going to creditors who’ve been hounding you for months.

Filing for bankruptcy isn’t about failure—it’s about taking control. You’ll have legal protection from creditor harassment, foreclosure proceedings stop, and wage garnishments end. Most importantly, you get the breathing room to rebuild your financial life on your terms.

Within months, not years, you can start fresh. Many clients tell us the relief starts the moment we file their paperwork. The constant stress lifts, and they can focus on their family and future instead of drowning in debt they can’t pay.

Bankruptcy Law Firm Long Island City

We Know New York Bankruptcy Law

The Frank Law Firm P.C. has been helping Long Island City residents navigate bankruptcy and debt relief for years. We understand the financial pressures facing Queens families and small business owners.

You’re not just another case file to us. We’ve seen how overwhelming debt affects every part of your life, and we know exactly how to use New York bankruptcy law to give you the fresh start you need. Our office serves the Long Island City community with straightforward legal guidance that actually makes sense.

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How to File Bankruptcy Queens

Your Path to Debt Relief

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

Once we decide on the right approach, we handle all the paperwork and filing requirements. This includes the petition, schedules, and required documents that the court needs. We’ll also ensure you complete the mandatory credit counseling before filing.

After filing, you get immediate protection from creditors through the automatic stay. We’ll represent you at the meeting of creditors and handle any issues that come up. Most Chapter 7 cases are complete within 3-4 months, while Chapter 13 cases involve a 3-5 year payment plan that we’ll help you manage.

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Chapter 7 Chapter 13 Attorney

Complete Bankruptcy and Debt Relief Services

We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense when you need to protect your home. Chapter 7 eliminates most unsecured debts like credit cards and medical bills, while Chapter 13 creates a manageable payment plan that can save your house.

Our foreclosure defense work often goes hand-in-hand with bankruptcy filing. We can stop foreclosure proceedings and give you time to catch up on mortgage payments or negotiate with your lender. Many Long Island City homeowners don’t realize they have options beyond just losing their house.

You’ll also get guidance on rebuilding your credit after bankruptcy. We explain what to expect, how long different items stay on your credit report, and practical steps to improve your credit score. The goal isn’t just to eliminate debt—it’s to set you up for long-term financial success.

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Most Chapter 7 bankruptcy cases in New York are complete within 3-4 months from the filing date. The timeline includes a 30-day period after filing before the meeting of creditors, then typically 60-90 days for the discharge order. However, you get immediate protection from creditors as soon as we file your case. The automatic stay stops collection calls, wage garnishments, and foreclosure proceedings right away, so you start getting relief on day one even though the full process takes a few months to complete.
Not necessarily. New York has homestead exemptions that protect equity in your primary residence, and Chapter 13 bankruptcy is specifically designed to help you keep your home while catching up on missed mortgage payments. If you’re current on your mortgage, Chapter 7 usually won’t affect your house as long as you can continue making payments. If you’re behind on payments, Chapter 13 creates a payment plan that can stop foreclosure and give you up to five years to catch up. We’ll review your specific situation to determine the best way to protect your home.
Chapter 7 bankruptcy involves a $338 court filing fee plus attorney fees, while Chapter 13 has a $313 filing fee. Attorney fees vary based on the complexity of your case, but we offer payment plans to make legal representation affordable. Many clients find that the money they save by stopping creditor payments covers the cost of filing. We’ll give you a clear fee quote during your free consultation, and we can often work with you on a payment schedule that fits your budget. The investment in proper legal representation usually pays for itself quickly through debt elimination and creditor protection.
Chapter 7 bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, and old utility bills. It also stops wage garnishments and creditor lawsuits. However, certain debts like recent taxes, student loans, child support, and secured debts like car loans are treated differently. Secured debts can often be eliminated, but you’ll need to surrender the collateral or continue making payments if you want to keep the property. We’ll review your specific debts during consultation to explain exactly what can be discharged and what options you have for secured debts.
Yes, filing bankruptcy immediately stops foreclosure through the automatic stay, which is a federal court order that prevents creditors from collecting debts. Chapter 13 is particularly effective for homeowners because it allows you to catch up on missed mortgage payments over 3-5 years while keeping your home. Even if foreclosure is scheduled for next week, filing bankruptcy will postpone it and give you time to work out a solution. Chapter 7 can also stop foreclosure temporarily, though it’s not designed for long-term mortgage catch-up like Chapter 13. The key is acting quickly—the sooner you file, the more options you have.
Bankruptcy does impact your credit score initially, but it’s not permanent damage. Chapter 7 stays on your credit report for 10 years, while Chapter 13 stays for 7 years. However, many clients see their credit scores start improving within 6-12 months after filing because they’re no longer carrying overwhelming debt balances. If you’re already behind on payments, bankruptcy often helps your credit recover faster than continuing to struggle with unmanageable debt. We provide guidance on rebuilding credit after bankruptcy, including when to apply for new credit and how to establish positive payment history. Most clients can qualify for a mortgage within 2-4 years after bankruptcy discharge.

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