Bankruptcy Lawyer in Rego Park, NY

Stop Creditor Harassment and Eliminate Debt

Get immediate protection from wage garnishment, foreclosure, and creditor calls with experienced bankruptcy representation in Rego Park.

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Chapter 7 Bankruptcy Attorney Queens

Your Fresh Financial Start Begins Here

You’re drowning in debt that keeps growing despite your best efforts. Every month brings more stress, more calls, more sleepless nights wondering how you’ll make it work.

Bankruptcy isn’t failure—it’s the legal tool designed to give people exactly like you a second chance. When you file for bankruptcy, you get immediate protection from creditors. No more harassment calls. No more wage garnishment eating into your already tight budget.

Chapter 7 bankruptcy can eliminate most of your unsecured debts in just 3-4 months. Credit cards, medical bills, personal loans—gone. Chapter 13 lets you keep your home while restructuring your debts into manageable payments over 3-5 years. You choose the path that fits your situation, and you move forward with a clean slate.

Bankruptcy Law Firm Rego Park

We Know New York Bankruptcy Law

We have been helping Rego Park families navigate bankruptcy and debt relief for years. We understand the local courts, the trustees, and exactly how to position your case for the best possible outcome.

You’re not just another case number here. We take the time to understand your specific situation—whether you’re facing foreclosure, dealing with medical debt, or struggling with business obligations. Every case gets personal attention because your financial future matters.

We’ve guided hundreds of clients through both Chapter 7 and Chapter 13 proceedings right here in Queens. We know what works, what doesn’t, and how to protect your interests every step of the way.

File for Bankruptcy New York

Clear Process, No Surprises

Your bankruptcy case starts with a free consultation where we review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 makes more sense for your situation and explain exactly what you can expect.

Once you decide to move forward, we prepare and file your bankruptcy petition with the court. The moment we file, the automatic stay goes into effect—creditors must stop all collection activities immediately. No more calls, no more garnishments, no more foreclosure proceedings.

You’ll attend a meeting of creditors about 30 days after filing. This is typically a brief, routine meeting where the trustee asks basic questions about your financial situation. We prepare you thoroughly and attend with you.

In Chapter 7 cases, you typically receive your discharge in 3-4 months. Chapter 13 cases involve a 3-5 year payment plan, but you get immediate protection and keep your assets while paying what you can actually afford.

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Debt Relief Lawyer Queens

Complete Bankruptcy and Debt Relief Services

We handle every type of bankruptcy case that makes sense for individuals and families. Chapter 7 bankruptcy eliminates most unsecured debts quickly and completely. Chapter 13 bankruptcy stops foreclosure and creates affordable payment plans while you keep your home and other assets.

Beyond bankruptcy, we provide foreclosure defense for homeowners behind on mortgage payments. Many foreclosures can be delayed or prevented entirely, giving you time to explore loan modifications or other alternatives.

If you’re dealing with wage garnishment, we can stop it immediately through bankruptcy filing. Same with bank account freezes, creditor lawsuits, and other collection actions. The automatic stay protection is powerful and immediate.

We also help with debt negotiation and settlement when bankruptcy isn’t the right fit. Sometimes we can negotiate significant reductions in what you owe without filing bankruptcy at all. Every situation is different, and we’ll recommend the approach that actually solves your problem.

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

Chapter 7 bankruptcy typically costs between $1,500-$2,500 in attorney fees plus $338 in court filing fees. Chapter 13 cases generally range from $3,000-$4,000 in attorney fees plus $313 in court costs. We offer payment plans and will discuss all costs upfront during your free consultation. Many clients find that the money they save by stopping creditor payments more than covers the bankruptcy costs. We also accept payment plans in most cases, so you don’t need to come up with all the money at once.

Will I lose my house if I file for bankruptcy?

Most people keep their homes in bankruptcy. New York has generous homestead exemptions that protect significant home equity. In Chapter 7, if you’re current on your mortgage and your equity is within exemption limits, you keep the house. Chapter 13 is specifically designed to help you catch up on mortgage payments while keeping your home. If you’re facing foreclosure, Chapter 13 can stop the foreclosure process and give you 3-5 years to catch up on missed payments. We review your specific situation and home value to determine the best strategy for protecting your property.

How long does the bankruptcy process take in Queens?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge. You’ll attend one meeting of creditors about 30 days after filing, then wait for the discharge. Chapter 13 cases involve a 3-5 year payment plan, but you get immediate protection when we file. The payment plan length depends on your income and debts. Most people feel relief immediately after filing because creditor harassment stops right away. The automatic stay protection begins the moment we file your case, even though the full process takes several months to complete.

Can bankruptcy stop wage garnishment immediately?

Yes, bankruptcy stops wage garnishment immediately through the automatic stay. The moment we file your bankruptcy petition, your employer must stop taking money from your paycheck for creditor garnishments. This includes garnishments for credit cards, medical bills, personal loans, and most other unsecured debts. We notify your payroll department right away so you get your full paycheck back. Some garnishments like child support or recent tax debts may continue, but most consumer debt garnishments stop completely. This immediate relief often provides the breathing room people need to get back on their feet financially.

What debts cannot be eliminated in bankruptcy?

Most consumer debts can be eliminated, but some obligations survive bankruptcy. Student loans are generally not dischargeable unless you can prove undue hardship, which is difficult but not impossible. Recent tax debts, child support, alimony, and criminal fines cannot be discharged. Debts incurred through fraud or while intoxicated also survive bankruptcy. However, credit cards, medical bills, personal loans, old utility bills, and most business debts can be completely eliminated in Chapter 7 or paid through an affordable plan in Chapter 13. We review all your debts during consultation to explain exactly what can and cannot be eliminated.

Will bankruptcy ruin my credit forever?

Bankruptcy appears on your credit report for 7-10 years, but your credit score often improves faster than people expect. Many clients see their scores increase within 12-18 months after discharge because they no longer have overwhelming debt dragging down their credit utilization. You can get secured credit cards immediately after discharge and often qualify for car loans within a year or two. FHA mortgages are available just 2 years after Chapter 7 discharge if you’ve reestablished good credit habits. The key is using bankruptcy as a fresh start to build better financial habits, not as permission to accumulate debt again.

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Rego Park, NY is located in Queens County in New York State

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Bankruptcy Lawyer in Rego Park, NY

Stop Creditor Harassment and Eliminate Debt