Bankruptcy Lawyer in Rochdale Village, NY

Stop the Calls, Save Your Home

Get immediate relief from creditors and protect what matters most through strategic debt elimination.

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Chapter 7 Bankruptcy Attorney Queens

Your Fresh Start Begins Here

You’re not sleeping. The phone won’t stop ringing. Every piece of mail feels like another threat to everything you’ve worked for.

Filing for bankruptcy isn’t about giving up—it’s about taking control back. When you eliminate overwhelming debt through Chapter 7 or restructure payments with Chapter 13, you stop living paycheck to paycheck in fear. The automatic stay kicks in immediately, ending creditor harassment for good.

Your home stays protected. Your wages stop getting garnished. You can answer your phone again without that knot in your stomach. Most importantly, you can start rebuilding your financial future on solid ground instead of constantly putting out fires.

Debt Relief Lawyer Rochdale Village

Real Experience, Real Results

We at The Frank Law Firm P.C. have been helping Queens residents navigate bankruptcy and debt relief for years. We understand the unique financial pressures facing Rochdale Village families—from rising housing costs to unexpected medical bills.

You won’t get judgment here, just honest advice about your options. We’ve guided hundreds of clients through Chapter 7 and Chapter 13 cases, foreclosure defense, and debt elimination strategies that actually work.

Every case gets our personal attention because your situation isn’t just another file number. It’s your life, your home, and your family’s future.

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File for Bankruptcy Queens NY

The Process Made Simple

Your free consultation covers everything—your debts, assets, income, and realistic options for moving forward. No surprises, no pressure, just clear information about Chapter 7 versus Chapter 13 and what each means for your specific situation.

Once you decide to move forward, we handle the paperwork and court filings while you focus on your family. The automatic stay typically goes into effect within 24 hours, stopping collection calls, wage garnishments, and foreclosure proceedings immediately.

Throughout the process, you’ll know exactly what’s happening and what to expect next. Most Chapter 7 cases wrap up in 3-4 months. Chapter 13 payment plans usually run 3-5 years, but you’re protected and in control the entire time. When it’s over, you’re free to rebuild without the crushing weight of unmanageable debt.

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Bankruptcy Law Firm Queens

Complete Debt Relief Services

Whether you need Chapter 7 bankruptcy to eliminate unsecured debt completely or Chapter 13 to restructure payments while keeping your home, we handle the entire process from start to finish. Our foreclosure defense strategies can buy you time and options when your mortgage company starts proceedings.

We also tackle creditor harassment issues, negotiate with collection agencies, and help stop wage garnishments before they start. Many Rochdale Village clients come to us drowning in credit card debt, medical bills, or struggling with mortgage payments after job loss or illness.

Each case gets a thorough analysis of your assets, debts, and income to determine the best path forward. You’ll understand exactly what you can keep, what gets eliminated, and how long the process takes before making any decisions.

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The automatic stay typically goes into effect within 24 hours of filing your bankruptcy petition. This federal court order immediately stops all collection calls, letters, wage garnishments, and foreclosure proceedings. Creditors who continue contacting you after the automatic stay can face penalties from the bankruptcy court. You can finally answer your phone without dreading another collection call, and the constant stress of creditor harassment ends the moment your case is filed.
Chapter 7 eliminates most unsecured debts like credit cards and medical bills in about 3-4 months, but you may need to surrender non-exempt assets. Chapter 13 lets you keep your property while restructuring debt payments over 3-5 years, making it ideal if you’re behind on mortgage payments but want to save your home. Your income, assets, and goals determine which option works best. Chapter 7 is faster debt elimination, while Chapter 13 provides more time to catch up on secured debts like your mortgage.
Yes, in most cases you can keep your home through bankruptcy. In Chapter 7, New York’s homestead exemption protects significant home equity, and you can keep the house by staying current on mortgage payments. Chapter 13 is specifically designed to help you catch up on missed mortgage payments while stopping foreclosure proceedings. If you’re already facing foreclosure, bankruptcy can halt the process and give you time to work out a solution with your lender.
Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, plus attorney fees that vary based on case complexity. We offer payment plans and work with your budget because we understand money is tight when you’re considering bankruptcy. The cost of filing is typically much less than what you’ll save by eliminating debt. During your free consultation, we’ll discuss all costs upfront so there are no surprises, and explore fee payment options that work for your situation.
Bankruptcy appears on your credit report for 7-10 years, but most clients see their credit scores improve within 12-18 months after filing. This happens because your debt-to-income ratio improves dramatically when overwhelming debts get eliminated. You can start rebuilding credit immediately with secured credit cards and responsible financial habits. Many clients find their credit scores are actually higher two years after bankruptcy than they were before filing, when they were struggling with late payments and maxed-out credit cards.
Student loans, recent taxes, child support, alimony, and debts from fraud typically cannot be discharged in bankruptcy. However, Chapter 13 can help you manage these non-dischargeable debts by creating an affordable payment plan while eliminating other debts like credit cards and medical bills. Even if some debts survive bankruptcy, eliminating everything else often makes the remaining payments manageable. We’ll review all your debts during consultation to explain exactly what can be eliminated and what payment options exist for non-dischargeable debts.

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