Bankruptcy Lawyer in Plainview, NY

Stop the Calls, Save Your Home

Get immediate protection from creditors and keep what matters most to your family.

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Chapter 7 Bankruptcy Attorney

What Life Looks Like After

The phone stops ringing. You sleep through the night without worrying about losing your house. Your paycheck stays in your account instead of getting garnished.

That’s what happens when you file for bankruptcy with proper legal protection. The automatic stay kicks in immediately, stopping all collection actions against you. Creditors can’t call, can’t sue, can’t take your wages.

Your unsecured debts get wiped out completely. Credit cards, medical bills, personal loans – gone. You keep your home, your car, your retirement accounts. The constant stress of juggling minimum payments and dodging collectors becomes a memory.

Plainview Bankruptcy Law Firm

We Know Nassau County Courts

We have been helping Plainview families navigate financial crisis for years. We know the local bankruptcy trustees, understand Nassau County court procedures, and have filed hundreds of cases right here on Long Island.

You’re not getting a generic bankruptcy mill approach. You’re getting a local attorney who understands what Plainview homeowners face – high property taxes, expensive cost of living, and the pressure to keep up appearances while drowning in debt.

We’ve seen it all. Job loss at Republic Airport. Medical emergencies that insurance didn’t cover. Divorce that split assets but not debts. Small business failures that left personal guarantees hanging over your head.

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File for Bankruptcy Process

Here's What Actually Happens

First, we meet for a free consultation to review your debts, assets, and income. No judgment, just facts. We’ll determine if Chapter 7 or Chapter 13 makes more sense for your situation.

Once you decide to move forward, we immediately send demand letters to your creditors. This often stops the harassment calls right away, even before we file. We gather your financial documents and prepare your bankruptcy petition.

The day we file, the automatic stay goes into effect. All collection actions stop immediately. No more calls, no more lawsuits, no more wage garnishment threats. You can breathe again.

You’ll attend a meeting of creditors about 30 days later. It’s not scary – just a trustee asking basic questions about your finances. Most meetings last less than five minutes. Then you wait for your discharge, typically 3-4 months later.

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Debt Relief Lawyer Services

Complete Bankruptcy Protection Package

You get full representation from filing to discharge. We handle all court filings, communicate with trustees and creditors, and represent you at all hearings. No surprises, no extra fees for basic services.

We also provide foreclosure defense when needed. If you’re behind on mortgage payments, Chapter 13 can stop foreclosure and give you up to five years to catch up. Many Plainview families save their homes this way.

Pre-filing credit counseling and post-filing debtor education are included. We work with approved agencies to get you the required certificates quickly and affordably. You’ll also get practical advice on rebuilding credit after bankruptcy.

Our fee structure is transparent and affordable. Chapter 7 cases have flat fees with payment plan options. Chapter 13 fees can be included in your court-approved payment plan, so you don’t need thousands upfront.

attorney and client meeting.
Not if you choose the right chapter and can afford your mortgage payments. Chapter 7 lets you keep your home if you’re current on payments and don’t have excessive equity beyond the homestead exemption. Chapter 13 is even better for homeowners – it can stop foreclosure and give you up to five years to catch up on missed mortgage payments. Many Plainview families use Chapter 13 specifically to save their homes. The key is acting before foreclosure proceedings get too far along.
Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge in Nassau County. You’ll have a meeting of creditors about 30 days after filing, then wait for the trustee to complete their review. Chapter 13 takes 3-5 years because you’re in a payment plan, but you get immediate protection when we file. The automatic stay stops all collection actions on day one, so you get relief immediately even though the case takes longer to complete.
Yes, filing bankruptcy immediately stops wage garnishment through the automatic stay. Your employer must stop taking money from your paycheck as soon as we file your case. In some situations, you might even be able to recover money that was garnished recently before filing. This is one of the most powerful protections bankruptcy provides – creditors who were taking your wages before filing cannot continue once you’re under bankruptcy protection.
Student loans, recent taxes, child support, and alimony typically survive bankruptcy. Recent luxury purchases or cash advances might not be dischargeable if made right before filing. Secured debts like mortgages and car loans remain if you want to keep the property, but you can eliminate your personal liability. Most credit card debt, medical bills, personal loans, and older tax debts get wiped out completely. We’ll review your specific debts during consultation to explain what goes away and what remains.
Chapter 7 attorney fees typically range from $1,500-$2,500 plus a $338 court filing fee. Chapter 13 costs more because it involves 3-5 years of ongoing representation, but much of the attorney fee gets paid through your court-approved payment plan. We offer payment plans for Chapter 7 cases and often see clients who thought they couldn’t afford bankruptcy discover it’s much more affordable than continuing to struggle with minimum payments on debt they’ll never pay off.
Bankruptcy stays on your credit report for 7-10 years, but most people see their credit scores improve within 12-24 months after discharge. That’s because you’ve eliminated debt and stopped missing payments. Many clients get credit card offers shortly after discharge and can qualify for mortgages within 2-3 years. The key is rebuilding responsibly after bankruptcy. Your credit is probably already damaged from missed payments and high balances, so bankruptcy often provides faster recovery than continuing to struggle with unmanageable debt.

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