Bankruptcy Lawyer in North Massapequa, NY

Stop Foreclosure and Eliminate Debt Fast

Get immediate protection from creditors and save your home with experienced bankruptcy representation in Nassau County.

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Chapter 7 Bankruptcy Attorney Services

Your Fresh Start Begins Here

The collection calls stop immediately. Your wages are protected. Your home stays in your family.

When you file for bankruptcy, the automatic stay kicks in within 24 hours. This legal protection stops all creditor harassment, wage garnishments, and foreclosure proceedings while we work on your case.

Chapter 7 bankruptcy eliminates most unsecured debts completely – credit cards, medical bills, personal loans. Chapter 13 lets you keep your home while catching up on missed mortgage payments through a manageable payment plan.

You’ll sleep better knowing your family’s future is secure. No more avoiding phone calls or worrying about losing everything you’ve worked for.

North Massapequa Bankruptcy Law Firm

We Know Nassau County Bankruptcy Law

The Frank Law Firm P.C. has been helping North Massapequa families navigate financial crises for years. We understand the local economic pressures facing Long Island residents.

Our firm focuses exclusively on debt relief and bankruptcy law. We’ve successfully filed hundreds of Chapter 7 and Chapter 13 cases in Nassau County courts.

You’re not just another case number here. We take time to understand your specific situation and create a strategy that protects what matters most to your family.

How to File Bankruptcy

Simple Process, Powerful Protection

First, we meet to review your debts, income, and assets. This consultation determines whether Chapter 7 or Chapter 13 bankruptcy gives you the best outcome.

Next, we prepare and file your bankruptcy petition with the Nassau County court. The automatic stay goes into effect immediately, stopping all collection activities against you.

We handle all communication with creditors and the bankruptcy trustee. You’ll attend one brief meeting of creditors, which we prepare you for completely.

Within 3-4 months for Chapter 7 or 3-5 years for Chapter 13, you receive your discharge. Your qualifying debts are eliminated forever, and you can start rebuilding your financial future.

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Debt Relief Lawyer Services

Complete Bankruptcy and Foreclosure Defense

Our bankruptcy services include Chapter 7 liquidation and Chapter 13 reorganization. We also handle foreclosure defense to keep families in their homes.

Many North Massapequa residents face overwhelming medical debt or job loss. We’ve seen how quickly financial stability can disappear when health emergencies strike or Long Island’s high cost of living becomes unmanageable.

We offer payment plans because we know you’re already struggling financially. Our goal is making quality legal representation accessible when you need it most.

Every case includes thorough debt analysis, asset protection planning, and post-bankruptcy credit rebuilding guidance. You get comprehensive support throughout the entire process.

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

Bankruptcy stops foreclosure immediately through the automatic stay, which goes into effect as soon as we file your case with the Nassau County court. Even if your foreclosure sale is scheduled for tomorrow, filing bankruptcy today will halt the proceedings. Chapter 13 bankruptcy is particularly effective for homeowners because it allows you to catch up on missed mortgage payments over 3-5 years while keeping your home. The automatic stay gives you breathing room to reorganize your finances and work out a payment plan that fits your budget.

What debts can be eliminated through Chapter 7 bankruptcy in New York?

Chapter 7 bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, and old utility bills. In New York, you can also discharge certain tax debts that are over three years old. However, you cannot eliminate child support, alimony, recent tax debts, or student loans in most cases. Secured debts like mortgages and car loans are handled differently – you can choose to keep the property and continue payments or surrender it and eliminate the debt. We’ll review your specific debts during consultation to explain exactly what can be discharged in your situation.

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

Attorney fees for Chapter 7 bankruptcy typically range from $1,500-$2,500, plus a $338 court filing fee. Chapter 13 cases cost more due to the complexity and longer timeframe. We offer payment plans because we understand you’re already facing financial hardship. Many clients pay nothing upfront and make manageable monthly payments. The cost of bankruptcy is often less than what you’re paying in minimum credit card payments each month. When you consider the thousands of dollars in debt that gets eliminated, bankruptcy provides tremendous value and long-term financial relief.

Will I lose my house and car if I file for bankruptcy?

Most people keep their home and car in bankruptcy. New York has generous exemptions that protect your primary residence, vehicle, retirement accounts, and personal belongings. In Chapter 7, you can keep secured property as long as you’re current on payments and the equity is within exemption limits. Chapter 13 is even better for asset protection because you can keep non-exempt property by paying its value through your repayment plan. We’ll analyze your assets during consultation and explain exactly what you can keep. The goal is eliminating debt while preserving the essentials you need for daily life.

How long does the bankruptcy process take in Nassau County?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge in Nassau County. Chapter 13 takes 3-5 years because you’re making payments to creditors through a court-approved plan. The automatic stay protection begins immediately when we file, so you get relief from creditors right away. Most clients attend just one brief meeting with the bankruptcy trustee about 30 days after filing. We handle all the paperwork, court filings, and creditor communications. The timeline can vary based on case complexity, but we’ll give you realistic expectations based on your specific situation during our initial consultation.

Can I file for bankruptcy if I'm behind on mortgage payments?

Yes, you can file bankruptcy even if you’re behind on mortgage payments. Chapter 13 is particularly beneficial because it stops foreclosure and allows you to catch up on missed payments over 3-5 years. Your regular mortgage payments continue, plus you make additional payments toward the arrears through your Chapter 13 plan. Chapter 7 can also help by eliminating other debts, freeing up money to get current on your mortgage. If you’re facing foreclosure in North Massapequa, time is critical. The sooner we file, the more options you have to save your home and protect your family’s stability.

Local Resources

North Massapequa, NY is located in Nassau County in New York State