Bankruptcy Lawyer in North New Hyde Park, NY

Stop the Calls, Save Your Home

Get the fresh start you deserve with clear guidance from an experienced bankruptcy attorney who understands your situation.

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Chapter 7 and 13 Bankruptcy Attorney

Your Debt Problem Has a Solution

You’re not the first person to face overwhelming debt, and you won’t be the last. What matters now is taking action before your situation gets worse.

Bankruptcy gives you immediate protection from creditors through something called an automatic stay. This means the phone calls stop, wage garnishments end, and foreclosure proceedings pause while we work out your fresh start.

Most people think bankruptcy ruins your credit forever. That’s not true. You can start rebuilding your credit within months of your discharge, and many clients qualify for new credit cards and car loans within a year. The key is doing it right the first time with proper legal guidance.

Experienced North New Hyde Park Bankruptcy Law Firm

We Know Nassau County Bankruptcy Court

The Frank Law Firm P.C. has been helping North New Hyde Park residents navigate financial difficulties for years. We know the local trustees, understand how Nassau County Bankruptcy Court operates, and have guided hundreds of clients through successful bankruptcies.

You’re not just another case number here. We take time to explain your options, answer your questions, and make sure you understand every step of the process before moving forward.

We’ve seen every type of financial situation – from medical debt that spiraled out of control to business failures to job loss. There’s no judgment here, just practical solutions to get your life back on track.

How to File for Bankruptcy

The Process is Simpler Than You Think

First, we’ll meet for a free consultation to review your debts, income, and assets. This helps us determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.

Once you decide to move forward, we’ll prepare and file your petition with the bankruptcy court. The automatic stay goes into effect immediately, which means creditors must stop all collection activities against you.

You’ll attend a meeting of creditors about 30 days later – don’t worry, it’s usually just you, your attorney, and the trustee asking routine questions. Most meetings last less than 10 minutes. After that, you’ll complete a financial management course, and your discharge typically comes within 60-90 days for Chapter 7 cases.

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Debt Relief and Foreclosure Defense Services

Complete Bankruptcy and Debt Relief Services

We handle both Chapter 7 and Chapter 13 bankruptcies, plus foreclosure defense for homeowners facing the loss of their property. Our services include reviewing all your debts to determine what can be eliminated, protecting your assets through proper exemption planning, and negotiating with creditors when appropriate.

Many North New Hyde Park clients come to us worried about losing their homes. In most cases, we can help you keep your house through Chapter 13 repayment plans or by catching up on missed mortgage payments. We also handle cases involving small business debt, medical bills, credit card debt, and personal loans.

You’ll get honest advice about your options – sometimes bankruptcy isn’t the right answer, and we’ll tell you that too. Our goal is helping you make the best decision for your specific situation, not just filing paperwork.

How much does it cost to file for bankruptcy in New York?

Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, plus attorney fees that vary based on your case complexity. We offer payment plans because we understand you’re already facing financial difficulties. Most Chapter 7 cases cost between $1,500-$2,500 total, while Chapter 13 cases typically range from $3,000-$4,000. We’ll give you an exact quote during your free consultation based on your specific situation. Many clients find that bankruptcy saves them far more money than it costs by eliminating thousands in debt and stopping interest charges.

Will I lose my house if I file for bankruptcy?

Most people keep their homes in bankruptcy. New York has generous homestead exemptions that protect up to $170,825 in home equity for most filers. If you’re current on your mortgage, Chapter 7 typically won’t affect your home ownership. 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’ve helped many North New Hyde Park homeowners save their properties through bankruptcy, but timing matters. The sooner you call, the more options you’ll have.

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

Chapter 7 eliminates most debts in about 3-4 months without requiring monthly payments, but you must pass a means test based on your income. Chapter 13 involves a 3-5 year repayment plan where you pay back a portion of your debts, but you can keep more assets and catch up on missed mortgage or car payments. Chapter 7 works well for people with limited income and few assets, while Chapter 13 is better for higher earners or those who need to save their homes from foreclosure. Your income, debts, and goals determine which option makes more sense 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 shows for 7 years. However, the impact on your credit score decreases significantly over time, especially if you rebuild credit responsibly. Many clients see their scores improve within 12-18 months after discharge because they no longer have overwhelming debt dragging down their credit utilization. You can typically qualify for secured credit cards immediately after discharge, and many lenders offer car loans and mortgages to bankruptcy filers within 2-3 years. The key is starting your credit rebuilding process as soon as your case is complete.

Can I keep my car if I file for bankruptcy?

Yes, most people keep their vehicles in bankruptcy. New York allows you to exempt up to $4,550 in vehicle equity, and you can use additional exemptions if needed. If you’re making car payments, you can usually keep the vehicle by continuing payments through a reaffirmation agreement in Chapter 7 or including the payments in your Chapter 13 plan. Even if your car is worth more than the exemption amount, trustees often don’t pursue vehicles because of the costs involved in selling them. We’ll review your specific situation to determine the best way to protect your transportation during your free consultation.

Will my employer find out if I file for bankruptcy?

Bankruptcy filings are public records, but employers rarely check these databases unless you work in finance or have security clearance requirements. Most people file bankruptcy without their employers ever knowing. The exception is if you owe money to your employer or if your wages are being garnished – in those cases, your employer will be notified as part of the legal process. However, federal law prohibits employers from firing you solely because you filed bankruptcy. If you’re concerned about privacy, we can discuss timing your filing to minimize any potential workplace issues during your consultation.

Local Resources

North New Hyde Park, NY is located in Nassau County in New York State