Bankruptcy Lawyer in Maspeth, NY

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Debt Relief Attorney Maspeth

What Life Looks Like After Bankruptcy

The phone stops ringing with collection calls. You sleep through the night without worrying about losing your house. Your paycheck stays in your account instead of going to creditors who won’t leave you alone.

Bankruptcy isn’t the end of your financial life—it’s the beginning of getting it back. Most people see their credit scores start recovering within 12-18 months. You keep the things that matter: your home, your car, your retirement accounts.

The constant stress that’s been weighing on your family lifts. You can focus on moving forward instead of drowning in payments that never seem to make a dent in what you owe.

Chapter 7 Bankruptcy Lawyer Maspeth

We Know Maspeth Families Face Real Problems

We’ve been helping Queens residents navigate bankruptcy and debt relief for years. We understand that Maspeth homeowners face unique challenges with property values and cost of living pressures that can make debt overwhelming fast.

We’re not a bankruptcy mill that processes hundreds of cases without knowing your name. When you work with us, you get direct access to an experienced bankruptcy attorney who takes time to understand your specific situation.

Every case gets personal attention because your financial future deserves more than a cookie-cutter approach.

File for Bankruptcy Maspeth NY

Here's Exactly How the Process Works

First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. No pressure, no sales pitch—just straight answers about your options.

Once you decide to move forward, we handle all the paperwork and court filings. The automatic stay goes into effect immediately, which means creditors must stop calling and collection actions must stop. This includes foreclosure proceedings if you’re behind on your mortgage.

We guide you through the required credit counseling, prepare you for the meeting of creditors, and handle all communication with the bankruptcy trustee. Most Chapter 7 cases are complete within 4-6 months. Chapter 13 cases involve a 3-5 year payment plan that we help you manage.

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Foreclosure Defense Attorney Maspeth

Complete Debt Relief and Asset Protection

Our bankruptcy services include both Chapter 7 liquidation and Chapter 13 reorganization options. We also handle foreclosure defense to buy you time and explore alternatives to losing your home. Many clients combine bankruptcy with foreclosure defense for maximum protection.

Asset protection is a major part of what we do. New York’s exemption laws let you keep your primary residence, vehicle, retirement accounts, and personal belongings in most cases. We make sure you understand exactly what you’re keeping before you file.

We also provide debt negotiation services for clients who might not need full bankruptcy protection. Sometimes we can settle debts for significantly less than what you owe, depending on your circumstances and the types of debt involved.

Will I lose my house if I file for bankruptcy in Maspeth?

Not necessarily. If you’re current on your mortgage payments, New York’s homestead exemption protects up to $170,825 of equity in your primary residence (more in some cases). Chapter 13 bankruptcy actually helps you catch up on missed mortgage payments through a payment plan while stopping foreclosure. Even in Chapter 7, you can often keep your home if you can maintain the mortgage payments and don’t have excessive equity beyond the exemption limits.

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

Chapter 7 eliminates most of your debts within 4-6 months, but you must pass a means test based on your income. Chapter 13 creates a 3-5 year payment plan where you pay back a portion of your debts based on what you can afford. Chapter 13 is often better if you’re behind on mortgage payments, have significant assets to protect, or earn too much for Chapter 7. We’ll analyze your situation to determine which option gives you the best outcome.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 stays for 7 years. However, the impact on your credit score decreases significantly over time. Most people see their scores start improving within 12-18 months as they rebuild credit responsibly. Many clients qualify for car loans within a year and mortgages within 2-3 years after bankruptcy discharge, often with better terms than they had while drowning in debt.

Can bankruptcy stop creditor harassment and wage garnishment?

Yes, immediately. The automatic stay goes into effect as soon as we file your bankruptcy petition, which legally requires all creditors to stop collection activities. This includes phone calls, letters, wage garnishments, bank account freezes, and foreclosure proceedings. Creditors who violate the automatic stay can face serious penalties. This immediate relief is often worth the bankruptcy filing alone for people dealing with aggressive debt collectors.

What debts cannot be eliminated through bankruptcy?

Certain debts survive bankruptcy, including most student loans, recent tax debts, child support, alimony, and debts from fraud or criminal activity. However, bankruptcy eliminates credit card debt, medical bills, personal loans, deficiency balances from foreclosures or repossessions, and most other unsecured debts. We’ll review your specific debts during consultation to explain exactly what can and cannot be discharged in your situation.

How much does it cost to file bankruptcy in Maspeth?

Attorney fees vary based on the complexity of your case, but we offer transparent pricing and payment plan options. Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, plus mandatory credit counseling costs around $50. We discuss all costs upfront during your free consultation, and we work with you on payment arrangements because we understand you’re filing bankruptcy precisely because money is tight. No surprises, no hidden fees.

Local Resources

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