Bankruptcy Lawyer in Mineola, NY

Stop Creditor Calls and Save Your Home

Get immediate debt relief and protect your assets with experienced bankruptcy representation in Nassau County.

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Chapter 7 and Chapter 13 Bankruptcy

Your Fresh Financial Start Begins Here

You’re drowning in bills and the phone won’t stop ringing. Every envelope in your mailbox feels like another threat. The stress is affecting your sleep, your relationships, and your ability to think clearly about solutions.

Bankruptcy isn’t failure—it’s a legal tool designed to give people exactly like you a second chance. Chapter 7 can eliminate most of your unsecured debts in just a few months, while Chapter 13 lets you keep your home and pay back what you can afford over three to five years.

The automatic stay kicks in the moment we file your case. That means creditors must stop calling, wage garnishments end, and foreclosure proceedings halt. You get breathing room to rebuild your financial life without the constant pressure and fear you’re living with right now.

Mineola Bankruptcy Law Firm

Local Knowledge, Proven Results

We have been helping Nassau County residents navigate financial difficulties for years. We understand the unique challenges facing Long Island families—from high housing costs to job market pressures.

We handle cases exclusively in the Eastern District of New York bankruptcy court, so we know the local trustees, procedures, and what it takes to get your case approved quickly. You’re not just another file number here.

Our Mineola office means you can meet with us in person, ask questions face-to-face, and get the personal attention your situation deserves. We’ve seen families go from financial crisis to stability, and we know how to guide you through that same process.

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Filing for Bankruptcy Process

Simple Steps to Financial Freedom

Your consultation is free and confidential. We’ll review your debts, income, and assets to determine whether Chapter 7 or Chapter 13 makes more sense for your situation. No judgment, just clear answers about your options.

Once you decide to move forward, we gather the necessary documents and prepare your petition. You’ll complete a credit counseling course online, which takes about an hour. We file your case electronically with the court, and the automatic stay takes effect immediately.

About a month later, you’ll attend a brief meeting of creditors—usually just 5-10 minutes of simple questions from the trustee. In Chapter 7 cases, you typically receive your discharge in 3-4 months. Chapter 13 involves a payment plan confirmation hearing, then you make manageable monthly payments while we handle the administration.

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About Frank Law Firm, P.C.

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Debt Relief and Foreclosure Defense

Complete Protection for Your Financial Future

We handle every type of bankruptcy case, from straightforward Chapter 7 filings to complex Chapter 13 reorganizations. If you’re behind on your mortgage, we can file an emergency petition to stop foreclosure proceedings and give you time to explore your options.

Our service includes thorough debt analysis, exemption planning to protect your assets, and preparation of all required documents. We’ll represent you at the meeting of creditors and handle any issues that arise during your case. You also get guidance on rebuilding your credit after discharge.

For business owners, we understand the additional complexity of business debts and can advise whether personal bankruptcy, business bankruptcy, or both make sense. We’ve helped everyone from struggling homeowners to small business owners get back on solid financial ground.

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Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, set by federal law. Attorney fees vary based on case complexity, but we offer payment plans to make representation affordable. Many clients find that the money they save by stopping credit card payments covers our fees. We discuss all costs upfront during your free consultation, so there are no surprises. The investment in proper legal representation typically pays for itself through the debt elimination and asset protection we provide.
Most people keep their homes in bankruptcy. New York’s homestead exemption protects significant equity in your primary residence. In Chapter 7, you can keep your home if you’re current on payments and the equity is within exemption limits. Chapter 13 is specifically designed to help you catch up on missed mortgage payments while keeping your house. We analyze your specific situation during consultation to determine the best strategy for protecting your home and other important assets.
Chapter 7 cases typically take 3-4 months from filing to discharge in the Eastern District of New York. Chapter 13 cases involve a 3-5 year payment plan, but you get immediate protection from creditors when we file. The meeting of creditors usually occurs about 30 days after filing and takes just a few minutes. Most clients are surprised how quickly and smoothly the process moves when handled properly. Emergency filings can be done the same day to stop foreclosures or wage garnishments.
Yes, filing bankruptcy immediately stops foreclosure through the automatic stay. This gives you time to evaluate options like loan modification, Chapter 13 repayment plan, or negotiating with your lender. Chapter 13 is particularly effective because it allows you to catch up on missed payments over time while keeping your home. Even if foreclosure is scheduled for next week, an emergency bankruptcy filing can halt the process. We’ve helped many Nassau County homeowners save their homes using these strategies.
Most credit cards, medical bills, personal loans, and old utility bills can be eliminated in bankruptcy. However, recent taxes, student loans, child support, alimony, and debts from fraud typically cannot be discharged. Secured debts like mortgages and car loans continue, but you can choose whether to keep the property and continue payments. We review your specific debts during consultation to give you a clear picture of what can be eliminated and what obligations will remain after your case.
Bankruptcy appears on your credit report for 7-10 years, but many clients see their scores improve within 12-18 months because their debt-to-income ratio improves dramatically. You can often get a secured credit card immediately after discharge and a car loan within a year. Many clients qualify for mortgages 2-3 years post-bankruptcy with proper credit rebuilding. We provide guidance on rebuilding credit effectively. Remember, continuing to miss payments and accumulate debt damages your credit more than filing bankruptcy and getting a fresh start.

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