Bankruptcy Lawyer in Parkside, NY

Stop Creditor Calls and Eliminate Debt

Get immediate relief from overwhelming debt with experienced bankruptcy representation that protects your assets and future.

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Chapter 7 and Chapter 13 Bankruptcy

What Life Looks Like After Bankruptcy

The phone stops ringing with creditor calls. Your paycheck stays in your account instead of going to garnishments. You sleep through the night without worrying about losing your home.

Filing for bankruptcy gives you an automatic stay that immediately stops all collection activities. Credit card companies can’t call. Foreclosure proceedings halt. Wage garnishments end.

Within months, you’ll have eliminated most unsecured debts entirely. Your monthly obligations drop to manageable levels. You start rebuilding credit on solid ground instead of drowning in minimum payments that never reduce the principal.

Experienced Parkside Bankruptcy Attorney

Local Representation That Gets Results

We have helped Parkside families navigate financial crises for years. We understand the unique pressures of living in the New York area where housing costs and living expenses can quickly overwhelm even stable incomes.

You’re not getting a one-size-fits-all approach. Every case gets individual attention because your financial situation is unique. We’ve seen families bounce back from bankruptcy stronger than before, and we know exactly how to position your case for the best possible outcome.

Our office serves the Parkside community specifically. We know the local courts, the trustees, and how cases typically proceed in this area.

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Bankruptcy Filing Process in NY

Clear Steps From Consultation to Discharge

Your first consultation is free and confidential. We’ll review your debts, income, assets, and goals to determine if Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.

Once you decide to move forward, we immediately send cease and desist letters to creditors to reduce harassment while we prepare your petition. We’ll gather all necessary financial documents and complete the required credit counseling course.

After filing, the automatic stay takes effect immediately. Creditor calls stop. Garnishments end. Foreclosure proceedings pause. You’ll attend a meeting of creditors about 30 days later, which is typically brief and straightforward.

Most Chapter 7 cases receive a discharge within 3-4 months. Chapter 13 cases involve a 3-5 year payment plan, but you keep your assets and catch up on secured debts like your mortgage.

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Comprehensive Debt Relief Services

Full-Service Bankruptcy and Debt Defense

We handle every aspect of your bankruptcy case from initial filing through final discharge. This includes preparing all required schedules, representing you at the meeting of creditors, and addressing any issues that arise during the process.

Beyond bankruptcy, we provide foreclosure defense for homeowners behind on mortgage payments. Sometimes bankruptcy isn’t the right solution, and we’ll explore alternatives like loan modifications or debt negotiation that might work better for your specific situation.

You’ll have direct access to your attorney throughout the process. No paralegal-only communication or wondering about the status of your case. We believe you deserve to understand exactly what’s happening and why each step matters for your financial recovery.

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The automatic stay takes effect immediately upon filing your bankruptcy petition, which means creditor calls and wage garnishments must stop that same day. We can often file emergency petitions within 24-48 hours if you’re facing immediate garnishment or foreclosure. Once filed, creditors who continue calling or attempting collection can face sanctions from the bankruptcy court. This immediate relief is one of the most powerful aspects of bankruptcy protection and gives you breathing room to work through the process without constant harassment.
Most people keep their homes in bankruptcy, especially if you’re current on mortgage payments. New York’s homestead exemption protects significant home equity, and Chapter 13 bankruptcy specifically allows you to catch up on missed mortgage payments over 3-5 years while keeping the house. Even in Chapter 7, you can often keep your home if the equity is within exemption limits or if you can reaffirm the mortgage debt. The key is acting before foreclosure proceedings advance too far, as bankruptcy provides more options when filed early in the process.
Chapter 7 eliminates most unsecured debts like credit cards and medical bills within 3-4 months, but you must qualify based on income and pass the means test. Chapter 13 involves a 3-5 year payment plan where you pay a portion of debts based on your disposable income, but you keep all assets and can catch up on missed mortgage or car payments. Chapter 13 works better if you have regular income and want to save your home from foreclosure, while Chapter 7 provides faster debt elimination if you qualify. Your specific financial situation determines which chapter serves you better.
Attorney fees for Chapter 7 cases typically range from $1,500-$2,500 plus a $338 court filing fee, while Chapter 13 cases generally cost $3,000-$4,000 plus a $313 filing fee. We offer payment plans because we understand you’re filing bankruptcy precisely because money is tight. Many clients pay attorney fees over 2-3 months before filing, and Chapter 13 attorney fees can often be included in your payment plan. The cost of bankruptcy is typically far less than continuing to make minimum payments on debts that will never be paid off.
Chapter 7 bankruptcy remains on your credit report for 10 years, while Chapter 13 stays for 7 years. However, the impact on your credit score decreases significantly over time, and many clients see their scores improve within 12-18 months after discharge because their debt-to-income ratio improves dramatically. You can often qualify for secured credit cards immediately after discharge and FHA mortgages within 2-3 years. The key is rebuilding credit responsibly after bankruptcy rather than focusing solely on when it falls off your report.
Yes, you can still file bankruptcy even after being sued, and it will stop the lawsuit through the automatic stay. If creditors have already obtained judgments against you, bankruptcy can eliminate the underlying debt and stop enforcement of the judgment like wage garnishments or bank levies. However, it’s always better to file before creditors obtain judgments because it gives you more negotiating power and prevents additional legal fees and interest from accumulating. Even if you’re facing multiple lawsuits, bankruptcy can provide comprehensive relief from all creditors simultaneously.

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