Bankruptcy Lawyer in Manor Park, NY

Stop Creditor Harassment Today

Get immediate protection from wage garnishment, foreclosure, and debt collectors while keeping your essential assets.

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Chapter 7 Bankruptcy Attorney

Your Fresh Financial Start Begins Here

You’re drowning in debt that keeps growing no matter how much you pay. Every month brings more stress, more calls from collectors, and less hope for a real solution.

Bankruptcy isn’t failure—it’s the legal tool designed to give people exactly like you a genuine fresh start. When filed correctly, it stops creditor harassment immediately, eliminates most unsecured debts completely, and protects your essential assets under New York law.

You’ll wake up without the crushing weight of unmanageable debt. Your paycheck stays in your pocket instead of going to creditors. You can focus on rebuilding rather than just surviving month to month.

Manor Park Bankruptcy Law Firm

Real Experience With NY Bankruptcy Law

We at The Frank Law Firm P.C. have been helping Manor Park families navigate bankruptcy and debt relief for years. We understand New York’s specific exemption laws and how to maximize what you can keep through the process.

You won’t get shuffled between paralegals or treated like just another case number. Every client works directly with our experienced bankruptcy attorneys who know the local courts and trustees.

We’ve seen every type of financial situation and know exactly how to position your case for the best possible outcome under New York law.

File for Bankruptcy Process

Simple Steps to Debt Freedom

First, we’ll review your complete financial situation during a free consultation. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your specific circumstances and goals.

Next, we handle all the paperwork and filing requirements. You’ll need to provide financial documents, but we guide you through exactly what’s needed and help gather everything properly for the court.

Once filed, the automatic stay goes into effect immediately—stopping all collection calls, wage garnishments, and foreclosure proceedings. Most Chapter 7 cases are complete within 4-6 months, giving you a clean slate to rebuild your financial future.

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Debt Relief Lawyer Services

Complete Bankruptcy and Debt Protection

You get full representation throughout the entire bankruptcy process, from initial filing through final discharge. We handle all court communications, trustee meetings, and creditor objections on your behalf.

Our service includes foreclosure defense strategies to help you keep your home, asset protection planning using New York’s exemption laws, and guidance on rebuilding credit after discharge.

Manor Park residents face unique challenges with New York’s complex debt laws. We know which exemptions protect your car, home equity, retirement accounts, and personal property—and how to structure your case to maximize these protections.

How quickly can bankruptcy stop creditor harassment and wage garnishment?

The automatic stay goes into effect the moment we file your bankruptcy petition with the court—usually within 24-48 hours of our meeting. This immediately stops all collection calls, letters, wage garnishments, bank account freezes, and foreclosure proceedings. Creditors who continue contacting you after filing can face serious penalties from the bankruptcy court. You’ll often notice the relief within days as the constant stress of creditor contact simply stops.

Can I keep my house and car through bankruptcy in New York?

Yes, most people keep their essential assets through bankruptcy. New York allows you to protect significant home equity, one vehicle, retirement accounts, and personal property through exemptions. In Chapter 13, you can catch up on missed mortgage payments through a payment plan while stopping foreclosure. Even in Chapter 7, you typically keep assets you’re current on and that fall within exemption limits. We’ll review your specific situation to show exactly what you can protect under New York law.

What's the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 eliminates most unsecured debts like credit cards and medical bills within 4-6 months, but you must qualify based on income and expenses. Chapter 13 creates a 3-5 year payment plan that lets you catch up on mortgage or car payments while reducing other debts—it’s often better if you’re behind on secured debts or make too much for Chapter 7. Your income, assets, and goals determine which chapter works best. We’ll analyze your situation and recommend the option that gives you the most benefit.

How much does it cost to file bankruptcy with your firm?

Attorney fees vary based on case complexity, but we offer transparent pricing and payment plans so you can get started without paying everything upfront. Most Chapter 7 cases have fixed fees, while Chapter 13 fees can often be included in your court-approved payment plan. We’ll give you exact costs during your free consultation based on your specific situation. The investment in proper legal representation typically saves you far more than it costs by maximizing exemptions and avoiding costly mistakes.

Will bankruptcy ruin my credit score permanently?

Bankruptcy actually helps most people rebuild credit faster than struggling with unmanageable debt for years. While bankruptcy stays on your credit report for 7-10 years, its impact decreases significantly over time. Many clients see their credit scores improve within 12-18 months as they eliminate debt-to-income ratio problems. You can often qualify for secured credit cards immediately after discharge and car loans within a year or two. The key is having a clean slate to rebuild from rather than constantly missing payments.

Do I have to go to court for bankruptcy proceedings?

Most bankruptcy cases require only one brief court appearance called a Meeting of Creditors, which typically lasts 5-10 minutes. This isn’t actually in a courtroom—it’s an informal meeting with the bankruptcy trustee who asks basic questions about your paperwork. We prepare you thoroughly beforehand and attend with you. In Chapter 7, this is usually your only required appearance. Chapter 13 may require a confirmation hearing, but most of the process happens through paperwork we handle for you.

Local Resources

Manor Park, NY is located in Richmond County in New York State