Bankruptcy Lawyer in North Amityville, NY

Stop Creditor Calls and Get Your Life Back

Experienced bankruptcy attorney helping North Amityville families eliminate debt and protect their homes through Chapter 7 and Chapter 13 bankruptcy.

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Chapter 7 Bankruptcy Attorney North Amityville

What Life Looks Like After Bankruptcy

Your phone stops ringing with collection calls. The knot in your stomach when you check the mail disappears because you’re no longer afraid of what bills might arrive.

You sleep through the night without worrying about losing your house. Your paycheck stays in your account instead of being garnished by creditors who’ve been hounding you for months.

Chapter 7 bankruptcy can eliminate most of your unsecured debts in just 3-4 months, giving you the fresh start you need. Chapter 13 lets you keep your home while creating a manageable payment plan for catching up on mortgage payments. Either way, you get immediate protection from creditors the moment your case is filed.

Experienced Bankruptcy Law Firm North Amityville

Local Expertise You Can Trust

The Frank Law Firm P.C. has been helping North Amityville families navigate financial crises and get back on their feet. We understand the unique challenges Long Island residents face with high property taxes and cost of living pressures.

Every case gets personal attention because your financial situation is unique. We have guided hundreds of clients through both Chapter 7 and Chapter 13 bankruptcy proceedings in New York courts.

You’re not just another case number here. You’re a neighbor who deserves honest advice about whether bankruptcy is right for your situation, and if so, which type will give you the best outcome.

File for Bankruptcy North Amityville

The Bankruptcy Process Made Simple

First, you’ll get a free consultation where we review your debts, income, and assets to determine if bankruptcy makes sense for your situation. No pressure, just honest advice about your options.

If you decide to move forward, we handle all the paperwork and filing requirements. The moment your case is filed with the bankruptcy court, you get automatic stay protection that immediately stops all collection activities, foreclosure proceedings, and wage garnishments.

For Chapter 7 cases, most unsecured debts are eliminated within 3-4 months. Chapter 13 cases involve a 3-5 year repayment plan that lets you keep your home while catching up on missed payments. Throughout the process, we handle all communication with creditors and represent you at required court hearings.

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Debt Relief Lawyer North Amityville

Complete Bankruptcy and Debt Relief Services

We handle all types of bankruptcy cases, from straightforward Chapter 7 liquidations to complex Chapter 13 reorganizations. You also get foreclosure defense services if you’re behind on mortgage payments and facing the loss of your home.

Many North Amityville clients benefit from Chapter 13 because it allows them to keep their homes while creating affordable payment plans. We have extensive experience working with local mortgage companies and creditors to negotiate realistic terms.

Our services include credit counseling referrals, asset protection planning, and guidance on rebuilding your credit after bankruptcy. Payment plans are available because we understand you’re already facing financial stress and shouldn’t have to choose between getting legal help and paying other essential bills.

How quickly can bankruptcy stop foreclosure on my North Amityville home?

Bankruptcy filing creates an immediate automatic stay that stops foreclosure proceedings the same day your case is filed with the court. This gives you breathing room to explore your options. Chapter 13 bankruptcy is often the best choice for homeowners because it allows you to keep your house while catching up on missed mortgage payments through a 3-5 year repayment plan. Even if your foreclosure sale is scheduled for next week, filing bankruptcy can halt the process and give you time to save your home.

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

Chapter 7 eliminates most unsecured debts like credit cards and medical bills in about 3-4 months, but you may have to give up non-exempt assets. Chapter 13 lets you keep your property while creating a 3-5 year payment plan for your debts. Most North Amityville homeowners choose Chapter 13 because Long Island property values mean they have significant home equity to protect. Your income level and debt types determine which chapter you qualify for, which is why a consultation is essential to determine the best option for your specific situation.

How much does it cost to file bankruptcy with a North Amityville attorney?

Attorney fees vary based on your case complexity, but we offer payment plans because we understand you’re already facing financial stress. Chapter 7 cases typically cost less than Chapter 13 cases due to the shorter timeframe and less complex paperwork. Court filing fees are separate from attorney fees – currently $338 for Chapter 7 and $313 for Chapter 13. During your free consultation, you’ll get a clear breakdown of all costs involved and available payment options so there are no surprises.

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

Most people keep their cars in bankruptcy. New York allows you to exempt up to $4,550 in vehicle equity, and if your car is worth less than what you owe on it, there’s no equity for the trustee to take. If you’re current on car payments and want to keep the vehicle, you can usually continue making payments. For Chapter 13 cases, your car payment becomes part of your repayment plan. The key is being honest about your vehicle’s value and loan balance during the filing process.

How long does the bankruptcy process take from start to finish?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge. You’ll attend one meeting of creditors about 30 days after filing, then receive your discharge order eliminating qualifying debts. Chapter 13 takes longer because you’re in a 3-5 year repayment plan, but you get immediate creditor protection when you file. The timeline can vary based on court schedules and case complexity, but most straightforward cases follow predictable timeframes. We will give you specific timeline expectations based on your case details.

Can bankruptcy help if I'm behind on property taxes in North Amityville?

Yes, bankruptcy can help with property tax debt, though the approach depends on which chapter you file. Property taxes are priority debts that generally can’t be eliminated, but Chapter 13 allows you to catch up on back taxes through your repayment plan while stopping additional penalties and interest. This prevents tax foreclosure while you get current on payments. Chapter 7 may eliminate the personal liability for taxes in some situations, but liens on your property typically remain. Given Long Island’s high property tax rates, this is a common issue we help North Amityville residents resolve.

Local Resources

North Amityville, NY is located in Suffolk County in New York State