Bankruptcy Lawyer in Medford, NY

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Chapter 7 Bankruptcy Attorney

What Life Looks Like After

The phone stops ringing at dinner. You sleep through the night without that knot in your stomach about money.

Your mailbox isn’t stuffed with collection notices anymore. Instead of avoiding calls from unknown numbers, you answer your phone normally again.

The foreclosure threat disappears. Your family stays in the home you’ve worked so hard for, and you can actually plan for the future instead of just surviving each month. Most importantly, you have breathing room to rebuild – not just financially, but emotionally too.

Medford Bankruptcy Law Firm

We Know Suffolk County Courts

We have been helping Long Island families navigate financial crises for years. We know the local bankruptcy trustees, understand how Suffolk County courts operate, and we’ve seen what works.

We’re not a bankruptcy mill churning through cases. When you call, you talk to someone who understands that behind every bankruptcy filing is a person who tried everything else first.

Our office serves Medford and surrounding communities because we understand the financial pressures facing families here – from property taxes to cost of living increases that outpace income growth.

How to File Bankruptcy

The Process, Step by Step

First, we sit down and look at your complete financial picture. Not just the debts you’re worried about, but everything – assets, income, expenses, and what you actually want to protect.

Then we determine whether Chapter 7 or Chapter 13 makes more sense for your situation. Chapter 7 wipes out most debts in about four months. Chapter 13 creates a manageable payment plan over three to five years while protecting your home.

We handle all the paperwork, represent you at the creditor meeting, and deal with the trustee. You get updates throughout the process, but the legal complexity isn’t your problem anymore – it’s ours.

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Debt Relief Services

More Than Just Bankruptcy

Sometimes bankruptcy isn’t the right answer. We also handle foreclosure defense when you need time to catch up on mortgage payments or negotiate a loan modification.

If you’re behind on property taxes – a common problem for Long Island homeowners – we can help you understand your options before the county takes action. We also assist with creditor negotiations when bankruptcy might be premature.

For small business owners, we understand the complexity of business debt versus personal liability. Many Medford entrepreneurs don’t realize which debts they’re actually responsible for personally, and which can be handled differently.

Will I lose my house if I file for bankruptcy?

Not necessarily. In Chapter 13 bankruptcy, you can often keep your home by catching up on missed mortgage payments through your repayment plan. Chapter 7 allows you to keep your home if you’re current on payments and the equity falls within New York’s homestead exemption limits. If you’re facing foreclosure, bankruptcy’s automatic stay immediately stops the foreclosure process, giving you time to explore your options. The key is acting before it’s too late – once a foreclosure sale happens, bankruptcy can’t reverse it.

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

Chapter 7 eliminates most unsecured debts like credit cards and medical bills in about four months, but you must pass a means test based on your income. Chapter 13 creates a three to five-year payment plan where you pay back a portion of your debts, then the rest gets discharged. Chapter 13 is often better if you’re behind on mortgage payments, have significant assets to protect, or earn too much for Chapter 7. Chapter 13 also handles tax debts and domestic support obligations that Chapter 7 cannot eliminate.

How long does the bankruptcy process take in New York?

Chapter 7 bankruptcy typically takes four to six months from filing to discharge in New York. You’ll attend one creditor meeting about 30-40 days after filing, then receive your discharge if there are no complications. Chapter 13 takes three to five years because you’re making payments under a court-approved plan. However, you get protection from creditors immediately when we file – the automatic stay goes into effect right away, stopping collection calls, wage garnishments, and foreclosure proceedings.

Can I keep my car if I file for bankruptcy?

Yes, in most cases. New York allows you to exempt up to $4,825 in vehicle equity, or $10,825 if you don’t use the homestead exemption. If your car is worth more than the exemption amount, Chapter 13 might be better since you can keep the vehicle and pay the trustee the non-exempt value over time. If you’re making car payments, you can usually keep the car by continuing payments or “redeeming” it by paying the current market value. We’ll review your specific situation to determine the best strategy for protecting your transportation.

Will bankruptcy ruin my credit forever?

No. While bankruptcy appears on your credit report for seven to ten years, most people see their credit scores start improving within six months to a year after discharge. This happens because your debt-to-income ratio improves dramatically when debts are eliminated. Many clients qualify for secured credit cards immediately after discharge, and car loans within a year or two. FHA mortgages are possible just two years after Chapter 7 discharge. The key is rebuilding responsibly – bankruptcy gives you a clean slate, but how you use it determines your financial future.

How much does it cost to file bankruptcy in Medford?

Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, plus attorney fees that vary based on case complexity. We offer payment plan options because we understand you’re filing bankruptcy precisely because money is tight. During your consultation, we’ll give you a clear breakdown of all costs involved. Many clients find that bankruptcy saves them far more than it costs – especially when you factor in eliminated debt payments, stopped interest accumulation, and avoided garnishments. We’ll discuss fee arrangements that work with your budget.

Local Resources

Medford, NY is located in Suffolk County in New York State