Bankruptcy Lawyer in Middle Village, NY

Stop the Calls, Save Your Home

Get immediate relief from creditors and protect what matters most with experienced bankruptcy representation.

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Middle Village Debt Relief Attorney

Your Fresh Start Begins Here

You’re not just filing paperwork. You’re reclaiming control of your financial future.

When bankruptcy is handled right, the constant stress disappears. No more sleepless nights wondering how you’ll make next month’s payments. No more avoiding phone calls from creditors who don’t care about your situation.

Instead, you wake up knowing your home is protected. Your essential assets stay with you. The debts that have been crushing your family for months or years are either eliminated completely or restructured into payments you can actually afford.

This isn’t about admitting defeat. It’s about using the legal tools available to get back on solid ground so you can focus on what really matters.

Experienced Middle Village Bankruptcy Law Firm

We Know New York Bankruptcy Law

The Frank Law Firm P.C. has been helping Middle Village residents navigate financial difficulties through strategic bankruptcy representation. We understand the specific challenges facing Queens families and the New York exemption laws that protect your assets.

Every case gets personal attention because your situation is unique. We’ve seen how medical bills can destroy a family’s finances overnight, how job loss can put a home at risk, and how credit card debt can spiral beyond control despite your best efforts.

You’re working with attorneys who know the local bankruptcy court procedures, the trustees, and exactly how to position your case for the best possible outcome.

How to File Bankruptcy in NY

Simple Process, Real Protection

First, we review your complete financial situation during a consultation. This means looking at your debts, income, assets, and what you’re trying to protect. We determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your specific circumstances.

Next, we prepare and file all required documents with the bankruptcy court. This includes detailed financial statements, creditor lists, and the legal paperwork that triggers automatic stay protection. From the moment we file, creditors must stop calling and collection actions must halt.

Then we guide you through the meeting of creditors and any court appearances. Most bankruptcy cases proceed smoothly without complications, but when issues arise, you have experienced representation handling every detail. Your case moves toward discharge, eliminating qualifying debts or confirming your repayment plan.

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Chapter 7 and Chapter 13 Options

Complete Bankruptcy Representation

You get full legal representation from consultation through discharge. This includes analyzing whether Chapter 7 bankruptcy can eliminate your unsecured debts entirely, or whether Chapter 13’s payment plan approach better protects your home and assets while restructuring what you owe.

We handle foreclosure defense when your home is at risk, ensuring you understand all options for keeping your property. Asset protection strategies use New York’s exemption laws to preserve your car, household goods, retirement accounts, and other essential property.

Every client receives clear explanation of the bankruptcy process, realistic timelines, and honest assessment of outcomes. You’re not navigating this alone or wondering what happens next. Middle Village residents face specific financial pressures, and we tailor our approach to address the real challenges affecting Queens families.

Will I lose my house if I file for bankruptcy in New York?

Not necessarily. Chapter 13 bankruptcy is specifically designed to help homeowners catch up on mortgage payments while keeping their homes. You can restructure your mortgage arrears into a manageable payment plan over three to five years. Chapter 7 may also allow you to keep your home if you’re current on payments and the equity falls within New York’s homestead exemption limits. The key is acting before foreclosure proceedings advance too far. We analyze your mortgage situation, equity position, and income to determine the best strategy for protecting your Middle Village home.

How long does the bankruptcy process take in New York?

Chapter 7 bankruptcy typically takes four to six months from filing to discharge. You’ll attend one meeting of creditors about 30 days after filing, and if no complications arise, your discharge order eliminates qualifying debts within 60-90 days after that meeting. Chapter 13 bankruptcy involves a three to five year repayment plan, but you get immediate protection from creditors when we file. The automatic stay stops collection calls, wage garnishments, and foreclosure actions right away. Most Middle Village clients see dramatic relief within days of filing, even though the complete process takes several months.

What debts can be eliminated through bankruptcy in New York?

Chapter 7 bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, and old utility bills. It also discharges deficiency balances from foreclosed homes or repossessed vehicles. However, you’ll still owe child support, alimony, most student loans, recent taxes, and debts incurred through fraud. Chapter 13 can help with some debts that Chapter 7 cannot eliminate, like mortgage arrears and certain tax obligations. We review your specific debts during consultation to explain exactly what can be discharged and what payment obligations will remain after your bankruptcy case concludes.

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

Attorney fees vary based on case complexity, but we provide transparent pricing during your initial consultation. Chapter 7 cases typically cost less than Chapter 13 cases due to the shorter timeframe and simpler process. Court filing fees are set by federal law at $338 for Chapter 7 and $313 for Chapter 13. We also discuss payment arrangements because we understand you’re filing bankruptcy due to financial difficulties. Many clients can pay attorney fees in installments before filing, and Chapter 13 clients can include some legal fees in their repayment plan. You’ll know all costs upfront with no surprise bills later.

Will bankruptcy ruin my credit score permanently?

Bankruptcy does impact your credit score initially, but it’s not permanent damage. Chapter 7 bankruptcy appears on your credit report for 10 years, while Chapter 13 appears for 7 years. However, many clients see their credit scores begin improving within 12-18 months after discharge because their debt-to-income ratio improves dramatically. You can start rebuilding credit immediately after discharge by using secured credit cards responsibly and making all remaining payments on time. Many Middle Village clients find that bankruptcy actually helps their credit faster than struggling with overwhelming debt payments for years while missing deadlines and accumulating late fees.

Can I keep my car and other personal property in bankruptcy?

Yes, New York’s bankruptcy exemptions protect essential personal property including your vehicle (up to $4,550 in equity), household goods, clothing, and tools needed for work. You can also protect retirement accounts, life insurance, and other assets using federal or state exemptions. If you’re making car payments, you can usually keep your vehicle by continuing payments or redeeming it for current value. We review your assets during consultation and use exemption planning to maximize what you can protect. Most Middle Village clients keep their cars, furniture, and personal belongings while eliminating the debts that were making their lives unmanageable.

Local Resources

Middle Village, NY is located in Queens County in New York State