Bankruptcy Lawyer in Miller Place, NY

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Get immediate protection from creditors and a real path to financial freedom with experienced bankruptcy representation.

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Chapter 7 Bankruptcy Attorney

What Life Looks Like After Filing

The phone stops ringing. That constant knot in your stomach starts to loosen. You sleep through the night without worrying about losing your house.

Filing bankruptcy isn’t the end of your financial story—it’s the beginning of a better one. Most clients see their credit scores start recovering within 12-18 months. You keep your home, your car, and your dignity.

The automatic stay kicks in the moment we file your case. Creditors must stop calling, wage garnishments end, and foreclosure proceedings halt. You finally have breathing room to rebuild without the crushing weight of impossible debt.

Miller Place Bankruptcy Law Firm

We Know Suffolk County Bankruptcy Law

We’ve been helping Long Island families navigate financial crises for years. We understand the unique challenges Miller Place residents face—high property taxes, expensive living costs, and limited job opportunities.

We’ve filed hundreds of successful bankruptcy cases in the Central Islip courthouse. We know which exemptions protect your assets and how to structure your case for the best outcome.

You’re not just another case number. We take time to understand your specific situation and explain your options in plain English, not legal jargon.

How to File for Bankruptcy

Your Path to Financial Freedom

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.

Next, we gather your financial documents and prepare your bankruptcy petition. This includes listing all creditors, assets, and recent financial transactions. We handle the paperwork and ensure everything meets court requirements.

Once filed, the automatic stay immediately protects you from creditor actions. You’ll attend a meeting of creditors about 30 days later—a routine proceeding where the trustee asks basic questions about your finances. Most Chapter 7 cases receive a discharge within 3-4 months, while Chapter 13 cases involve a 3-5 year repayment plan.

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Debt Relief Lawyer Services

Complete Bankruptcy and Debt Relief Services

We handle both Chapter 7 liquidation and Chapter 13 reorganization cases. Chapter 7 eliminates most unsecured debts like credit cards and medical bills. Chapter 13 creates a manageable payment plan while letting you keep your home and car.

Our foreclosure defense services buy you time to explore alternatives like loan modifications or short sales. We also help with debt negotiation and creditor harassment issues that don’t require bankruptcy filing.

Miller Place homeowners benefit from New York’s generous homestead exemption, which protects significant home equity. We maximize these exemptions to preserve your assets while eliminating overwhelming debt. Small business owners get specialized attention for complex commercial bankruptcy cases.

How much does it cost to file bankruptcy in Miller Place?

Chapter 7 bankruptcy typically costs between $1,500-$2,500 in attorney fees plus a $338 court filing fee. Chapter 13 cases range from $3,000-$4,000 in attorney fees plus a $313 filing fee. We offer payment plans because we understand you’re already facing financial hardship. Many clients pay the attorney fees over 2-3 months before filing. The court filing fee must be paid upfront, though you can request to pay it in installments in some cases.

Will I lose my house if I file bankruptcy in Miller Place?

Most Miller Place homeowners keep their homes in bankruptcy. New York’s homestead exemption protects up to $170,825 in home equity ($341,650 for certain counties). If you’re current on your mortgage, Chapter 7 typically lets you keep your house. If you’re behind on payments, Chapter 13 lets you catch up over 3-5 years while stopping foreclosure. The key is acting before foreclosure proceedings advance too far. We analyze your home equity and mortgage situation to determine the best strategy for protecting your property.

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

Chapter 7 eliminates most debts in 3-4 months without requiring monthly payments to creditors. You must pass a means test showing your income is below the median for Suffolk County. Chapter 13 creates a 3-5 year repayment plan based on your disposable income. It’s better for high earners or people with significant assets they want to protect. Chapter 13 also helps catch up on mortgage or car payments while eliminating other debts. We’ll analyze your income, debts, and goals to recommend the right chapter for your situation.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy appears 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 clients see their scores start improving within 12-18 months as they rebuild credit responsibly. Many qualify for mortgages 2-3 years after discharge with proper credit rebuilding. The key is starting fresh without overwhelming debt payments dragging down your finances. We provide guidance on rebuilding credit after your bankruptcy case closes.

Can bankruptcy stop wage garnishment immediately?

Yes, filing bankruptcy immediately stops wage garnishment through the automatic stay. Your employer must stop deducting money from your paycheck as soon as we file your case. This applies to garnishments for credit cards, medical bills, and other unsecured debts. However, some garnishments for child support, alimony, or recent tax debts may continue. We notify your employer and the creditor’s attorney that the automatic stay is in effect. You’ll typically see the garnishment stop with your next paycheck after filing.

How quickly can you file my bankruptcy case?

We can typically file your bankruptcy case within 1-2 weeks once you provide all required documents and pay the filing fee. If you’re facing imminent foreclosure, wage garnishment, or bank account seizure, we can file an emergency petition within 24-48 hours to get immediate automatic stay protection. The emergency filing stops creditor actions while we complete the full petition. Most clients need 7-10 days to gather financial documents like tax returns, pay stubs, and bank statements. We’ll prioritize your case if you’re facing urgent creditor actions.

Local Resources

Miller Place, NY is located in Suffolk County in New York State