Bankruptcy Lawyer in Pomonok, NY

Stop Creditors. Save Your Home. Start Fresh.

Get immediate protection from collections and a clear path out of debt with experienced bankruptcy representation.

Hear from Our Customers

Chapter 7 Bankruptcy Attorney

The Relief You've Been Looking For

When you file for bankruptcy, the phone stops ringing. The threatening letters stop coming. Your wages can’t be garnished anymore.

That automatic stay protection kicks in immediately, giving you breathing room you haven’t had in months or years. You’ll sleep better knowing creditors can’t touch your paycheck or freeze your bank account.

Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and other unsecured debts entirely. Chapter 13 lets you keep your home while reorganizing payments you can actually afford. Either way, you’re looking at a manageable path forward instead of drowning in payments that never seem to make a dent.

Pomonok Bankruptcy Law Firm

We Know New York Bankruptcy Law

We have been helping Pomonok families navigate bankruptcy and debt relief for years. We understand the local courts, the trustees, and exactly what it takes to get your case approved.

You’re not just another file number here. We know what it’s like to face financial pressure, and we treat every client with the respect and attention they deserve during a difficult time.

Our focus stays on getting you the best possible outcome while making the process as straightforward as possible.

How to File Bankruptcy

Your Path to Financial Freedom

First, we’ll review your complete financial situation during a free consultation. We’ll look at your debts, income, assets, and goals to determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.

Once we file your petition, that automatic stay goes into effect immediately. Creditors have to stop calling, and any pending lawsuits or garnishments get put on hold.

We’ll handle all the paperwork, represent you at the meeting of creditors, and guide you through any additional requirements. Most Chapter 7 cases wrap up in 3-4 months. Chapter 13 cases involve a 3-5 year payment plan, but you get to keep your assets while catching up on mortgage or car payments.

Ready to get started?

Explore More Services

About Frank Law Firm, P.C.

Get a Free Consultation

Debt Relief Services

Complete Bankruptcy and Debt Solutions

We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense when you need to buy time or explore alternatives to bankruptcy. Our debt relief services also include negotiating with creditors and stopping harassment.

Many Pomonok residents come to us facing foreclosure on their homes. Chapter 13 bankruptcy can stop foreclosure proceedings and let you catch up on missed mortgage payments over time. If you’re behind on your house payments but have steady income, this might be your best option.

We also see a lot of medical debt cases. Medical bills can be discharged in bankruptcy, and you don’t have to lose your home or retirement savings to pay them off.

Will I lose my house if I file for bankruptcy?

Not necessarily. In Chapter 13 bankruptcy, you can keep your home and catch up on missed mortgage payments through a payment plan. Even in Chapter 7, you may be able to keep your house if you’re current on payments and the equity is protected by exemptions. New York has homestead exemptions that protect a certain amount of home equity. If you’re facing foreclosure, Chapter 13 is often the better choice because it stops the foreclosure process and gives you time to get back on track with your mortgage.

How long does the bankruptcy process take in New York?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge. You’ll attend one meeting of creditors about a month after filing, and if there are no complications, you’ll receive your discharge a few months later. Chapter 13 takes longer because it involves a 3-5 year payment plan, but you get immediate protection from creditors when you file. The automatic stay stops collections right away, even though the case isn’t finished yet. Most people feel relief within days of filing because the creditor calls and letters stop.

Can bankruptcy stop wage garnishment and creditor calls immediately?

Yes. The automatic stay goes into effect as soon as your bankruptcy petition is filed with the court. This means creditors must immediately stop all collection activities, including wage garnishments, bank account freezes, and collection calls. Your employer will be notified to stop the garnishment, usually within a few days. Creditors who continue calling or trying to collect after receiving notice of your bankruptcy filing can face penalties. This immediate relief is one of the biggest benefits of filing for bankruptcy – you get breathing room right away.

What debts can be eliminated through bankruptcy in Pomonok, NY?

Most unsecured debts can be discharged in bankruptcy, including credit card debt, medical bills, personal loans, and old utility bills. Some debts can’t be discharged, like recent taxes, student loans (in most cases), child support, and alimony. Secured debts like your mortgage or car loan are handled differently – you can often keep the property if you continue making payments, or surrender it if you don’t want to keep paying. Each situation is different, so we’ll review your specific debts during your consultation to explain what can and can’t be eliminated.

How much does it cost to file bankruptcy with your firm?

Our fees depend on whether you’re filing Chapter 7 or Chapter 13 and how complex your case is. We offer payment plans because we understand you’re filing bankruptcy for financial reasons. You don’t need to pay everything upfront. For Chapter 7 cases, we typically require a portion down and can work out payments for the rest. Chapter 13 cases allow attorney fees to be paid through your payment plan. We’ll give you exact numbers during your free consultation, and there are no hidden fees or surprises.

Will bankruptcy ruin my credit score permanently?

Bankruptcy will impact your credit score initially, but it’s not permanent damage. Many people see their credit scores start improving within 6-12 months after discharge because they no longer have overwhelming debt dragging down their credit utilization. Chapter 7 stays on your credit report for 10 years, Chapter 13 for 7 years, but the impact lessens over time. You can often qualify for a secured credit card or car loan within a year or two after bankruptcy. Many clients find their credit recovers faster after bankruptcy than it would have if they’d continued struggling with unmanageable debt payments.

Local Resources

Pomonok, NY is located in Queens County in New York State