Bankruptcy Lawyer in Port Washington, NY

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Get immediate relief from creditor harassment and protect what matters most to you and your family.

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Debt Relief Lawyer Nassau County

Your Fresh Start Begins Here

The phone stops ringing. The threatening letters stop coming. You sleep through the night without worrying about losing your house.

That’s what happens when you file for bankruptcy with the right guidance. You’re not just eliminating debt—you’re reclaiming your peace of mind and your future.

Most people think bankruptcy ruins your credit forever. The truth is, it often improves your financial position faster than struggling with minimum payments for decades. You can start rebuilding credit within months, not years.

Port Washington Bankruptcy Attorney

Local Knowledge, Real Results

We have been helping Nassau County residents navigate financial crises for years. We understand the unique pressures of Long Island living—the high property taxes, the cost of living, the unexpected medical bills that can derail even the most careful financial planning.

You won’t get shuffled to a paralegal or rushed through a cookie-cutter process. When you work with us, you work directly with an experienced bankruptcy attorney who knows the local courts and understands what Port Washington families are facing.

We’ve seen it all: business owners hit by economic downturns, families crushed by medical debt, homeowners underwater on their mortgages. No judgment, no lectures—just practical solutions.

How to File Bankruptcy

Simple Process, Clear Timeline

First, we sit down and review your complete financial picture. Income, expenses, assets, debts—everything. This isn’t about selling you on bankruptcy; it’s about finding the right solution for your specific situation.

If bankruptcy makes sense, we’ll determine whether Chapter 7 or Chapter 13 works better for you. Chapter 7 eliminates most debts in about four months. Chapter 13 creates a manageable payment plan while protecting your assets.

Once we file, creditors must stop contacting you immediately. No more collection calls, no more threatening letters. The automatic stay protection kicks in right away, giving you breathing room to focus on your fresh start instead of dodging phone calls.

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Chapter 7 Chapter 13 Lawyer

Complete Bankruptcy Protection Services

We handle both Chapter 7 and Chapter 13 bankruptcies, plus foreclosure defense when you need more time to explore your options. Every case includes direct attorney involvement from start to finish—no paralegal shortcuts.

You’ll get honest advice about what bankruptcy can and can’t do for your situation. We’ll walk you through asset protection strategies, help you understand exemptions, and make sure you’re making the best decision for your family’s future.

Port Washington residents face unique challenges with high property values and cost of living. We factor in local market conditions, New York exemption laws, and Nassau County court procedures to maximize your protection and minimize your stress.

Will I lose my house if I file for bankruptcy?

Not necessarily. If you’re current on your mortgage payments, you can usually keep your home in both Chapter 7 and Chapter 13 bankruptcy. New York’s homestead exemption protects significant equity in your primary residence. Chapter 13 is especially powerful for stopping foreclosure and catching up on missed payments through a manageable payment plan. We’ll analyze your specific situation to determine the best way to protect your home while eliminating other debts.

How long does the bankruptcy process take in Nassau County?

Chapter 7 bankruptcy typically takes about four months from filing to discharge in Nassau County. You’ll attend one brief meeting with the trustee about 30 days after filing, then receive your discharge eliminating most debts. Chapter 13 takes three to five years since you’re paying back a portion of your debts through a court-approved plan. However, you get immediate protection from creditors the moment we file, so relief starts right away regardless of which chapter you choose.

What debts can bankruptcy eliminate for Port Washington residents?

Bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, and old utility bills. It can also eliminate second mortgages and home equity loans in certain situations. However, you’ll still owe recent taxes, student loans, child support, and alimony. Secured debts like your mortgage and car loan continue if you want to keep the property. We’ll review your specific debts to show you exactly what gets eliminated and what remains.

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

Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, plus mandatory credit counseling courses around $50 total. Attorney fees vary based on case complexity, but we offer payment plans so you don’t need everything upfront. Many clients use their tax refund or stop making credit card payments (once we’re representing them) to fund their fresh start. We’ll discuss all costs upfront with no hidden fees or surprises.

Will bankruptcy ruin my credit score permanently?

Bankruptcy appears on your credit report for 7-10 years, but most clients see their credit scores improve within 12-18 months after discharge. This happens because you’ve eliminated debt and improved your debt-to-income ratio. Many clients qualify for secured credit cards immediately and conventional mortgages within 2-3 years. The key is rebuilding strategically after bankruptcy rather than struggling with minimum payments on debts you’ll never pay off.

Can I keep my retirement accounts if I file bankruptcy?

Yes, retirement accounts like 401(k)s, IRAs, and pensions are generally protected in bankruptcy. These accounts are considered exempt property under federal law, so creditors can’t touch them. This is one reason why it rarely makes sense to drain retirement savings to pay credit card debt—you’re using protected money to pay debts that bankruptcy could eliminate. We’ll help you understand exactly which assets are protected so you can make informed decisions about your financial future.

Local Resources

Port Washington, NY is located in Nassau County in New York State