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Hear from Our Customers
The phone stops ringing with collection calls. Your paycheck stays in your account instead of going to garnishments. You sleep through the night without worrying about losing your house.
That’s what happens when you file for bankruptcy with proper legal guidance. Chapter 7 bankruptcy eliminates credit card debt, medical bills, and other unsecured debts in about four months. Chapter 13 bankruptcy lets you keep your home while catching up on missed mortgage payments over three to five years.
You’re not losing everything. You’re protecting what you’ve worked for while getting rid of debts that are drowning you. Most people keep their car, their home, their retirement accounts, and their essential belongings. What disappears is the crushing weight of debt that’s been controlling your life.
We’ve been helping Long Island families navigate bankruptcy for years. We know the local trustees, understand Nassau County court procedures, and have filed hundreds of successful cases.
You’re not getting a cookie-cutter approach from some distant firm. We’re right here in Old Westfield, and we understand the financial pressures facing families in our community. Rising property taxes, high cost of living, job market challenges – we see it every day.
Our focus stays on getting you through this process quickly and protecting as much of your property as possible under New York law.
First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. Most people qualify for Chapter 7, which eliminates debts faster, but Chapter 13 might be better if you’re behind on your mortgage.
Next, we prepare and file your bankruptcy petition with the Nassau County bankruptcy court. The automatic stay goes into effect immediately, stopping all collection activities, foreclosure proceedings, and wage garnishments. Creditors cannot contact you once the case is filed.
About a month later, you attend a brief meeting of creditors where the trustee asks basic questions about your finances. We prepare you for this meeting and attend with you. For Chapter 7 cases, you typically receive your discharge order within 60-90 days after this meeting. Chapter 13 cases involve a payment plan that lasts three to five years, but you keep your property while making affordable monthly payments.
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We handle every aspect of your bankruptcy case from start to finish. This includes reviewing your financial situation, determining the best chapter to file, preparing all required paperwork, filing your petition with the court, and representing you at the meeting of creditors.
You also get foreclosure defense if you’re behind on your mortgage. We can often negotiate with your lender or use bankruptcy to catch up on missed payments while keeping your home. Many Old Westfield families face foreclosure due to job loss, medical bills, or divorce – bankruptcy provides powerful tools to address these situations.
Our debt relief services extend beyond just filing bankruptcy. We help you understand which debts get eliminated, which ones you’ll still owe, and how to rebuild your credit after your case closes. The goal is getting you back on solid financial ground, not just filing paperwork.
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