Bankruptcy Lawyer in North Valley Stream, NY

Stop Foreclosure and Eliminate Debt Fast

End creditor harassment, protect your home, and get the fresh start you deserve with experienced North Valley Stream bankruptcy representation.

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Chapter 7 and Chapter 13 Bankruptcy Attorney

Your Life After Debt Relief

You wake up without that knot in your stomach. The phone isn’t ringing with collection calls, and you’re not hiding from the mailman.

Your paycheck stays in your account instead of getting garnished. You can answer your phone again without checking the caller ID first.

Most importantly, you have a clear path forward. Whether it’s Chapter 7 bankruptcy eliminating your unsecured debts in 3-4 months or Chapter 13 creating a manageable payment plan that saves your home, you finally have breathing room. You’re rebuilding your credit and your confidence, not just surviving paycheck to paycheck while drowning in minimum payments that never touch the principal.

North Valley Stream Bankruptcy Law Firm

We Know Nassau County Bankruptcy Law

We have helped hundreds of North Valley Stream families navigate bankruptcy and debt relief. We understand the financial pressures of Long Island living – the property taxes, the cost of everything, and how quickly good people can find themselves overwhelmed.

We’ve been filing Chapter 7 and Chapter 13 cases in Nassau County courts for years. We know the local trustees, the procedures, and exactly what it takes to get you the best possible outcome.

You’re not getting a bankruptcy mill that treats you like a number. You’re getting a local attorney who lives and works in your community and understands what you’re facing.

How to File for Bankruptcy

The Bankruptcy Process Made Simple

First, we meet for a free consultation where you bring your bills, income information, and asset details. We’ll determine if Chapter 7 or Chapter 13 bankruptcy is right for your situation, or if there’s another debt relief option that makes more sense.

Once you decide to move forward, we immediately send cease and desist letters to your creditors to stop the harassment. Then we prepare and file your bankruptcy petition with the Nassau County bankruptcy court, which triggers the automatic stay – legal protection that stops all collection activities, foreclosure proceedings, and wage garnishments.

For Chapter 7, you’ll attend one brief meeting with the bankruptcy trustee about 30 days after filing. Most of our clients get their debt discharge in 3-4 months. Chapter 13 involves a payment plan confirmation hearing, then you make manageable monthly payments for 3-5 years while keeping your home and other important assets.

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About Frank Law Firm, P.C.

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Debt Relief and Foreclosure Defense Services

Complete Bankruptcy and Debt Relief Representation

You get full-service bankruptcy representation from petition to discharge. We handle all the paperwork, court filings, and communication with creditors and trustees so you can focus on moving forward.

Our service includes foreclosure defense for homeowners behind on mortgage payments. We can often negotiate loan modifications, payment plans, or use Chapter 13 bankruptcy to catch up on missed payments while keeping your home.

We also provide pre-bankruptcy planning to help you protect assets legally and timing strategies to maximize your fresh start. Every case includes credit rebuilding guidance so you can start improving your credit score immediately after discharge. You’re not just getting legal paperwork filed – you’re getting a complete financial recovery plan tailored to your specific situation in North Valley Stream.

How long does Chapter 7 bankruptcy take in Nassau County?

Most Chapter 7 bankruptcy cases in Nassau County are completed in 3-4 months from filing to discharge. After we file your petition, you’ll have a Meeting of Creditors about 30-45 days later, which typically lasts 5-10 minutes. If there are no complications or objections from creditors, you’ll receive your discharge order about 60 days after the meeting. The entire process is designed to give you debt relief as quickly as possible while ensuring all legal requirements are met.

Can bankruptcy stop foreclosure on my North Valley Stream home?

Yes, filing bankruptcy immediately stops foreclosure through the automatic stay, even if the sale is scheduled for next week. 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. Chapter 7 can also stop foreclosure temporarily, giving you time to negotiate with your lender or explore other options. The key is acting quickly – we can often file an emergency petition to stop a foreclosure sale that’s imminent.

What debts can be eliminated through Chapter 7 bankruptcy?

Chapter 7 bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, deficiency balances from repossessed vehicles, and old utility bills. It also discharges business debts from sole proprietorships and debts from divorce (except child support and alimony). However, you’ll still owe secured debts like your mortgage and car loans if you want to keep those assets, plus non-dischargeable debts like recent taxes, student loans, and domestic support obligations.

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

Our Chapter 7 bankruptcy fees start at $1,500 plus the $338 court filing fee, and Chapter 13 cases start at $3,500 plus the $313 court filing fee. We offer payment plans because we understand you’re filing bankruptcy precisely because money is tight. Many clients pay half upfront and the remainder before filing. The investment typically pays for itself immediately when we stop wage garnishments, and long-term when you consider the thousands you’ll save in interest and fees by eliminating debt rather than making minimum payments for decades.

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

Most of our North Valley Stream clients keep their homes and cars through bankruptcy. New York has generous exemptions that protect home equity up to $170,825 and vehicle equity up to $4,425. If you’re current on secured debt payments and the equity is within exemption limits, you can usually keep these assets. Chapter 13 bankruptcy is specifically designed for people who want to keep their property while reorganizing their debts. We’ll review your specific situation during your free consultation to determine the best strategy for protecting your assets.

How will bankruptcy affect my credit score and future borrowing?

Bankruptcy will initially lower your credit score, but most clients see improvement within 12-18 months because they’re no longer carrying overwhelming debt balances. Chapter 7 stays on your credit report for 10 years, Chapter 13 for 7 years, but the impact lessens over time. Many clients qualify for secured credit cards immediately after discharge and conventional mortgages within 2-4 years. The key is that bankruptcy often improves your credit faster than struggling with unmanageable debt, missed payments, and collection accounts for years.

Local Resources

North Valley Stream, NY is located in Nassau County in New York State