Bankruptcy Lawyer in Rockville Centre, NY

Stop Foreclosure and Eliminate Overwhelming Debt

Get the fresh financial start you deserve with experienced bankruptcy representation that protects your home and future.

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Chapter 7 and Chapter 13 Bankruptcy Attorney

What Your Life Looks Like After Bankruptcy

You sleep through the night without worrying about losing your home. Your phone stops ringing with collection calls, and you can answer it again without anxiety.

The constant knot in your stomach disappears when you realize you can actually pay your mortgage, utilities, and groceries without choosing between them. You’re not just surviving anymore – you’re planning for your family’s future again.

Your credit starts rebuilding faster than you expected. Within two years, many of our clients qualify for car loans and credit cards with reasonable terms. Some even buy homes again within a few years, this time with a solid financial foundation and the knowledge to avoid past mistakes.

Experienced Rockville Centre Bankruptcy Law Firm

We Know Nassau County Bankruptcy Inside Out

The Frank Law Firm P.C. has been helping Long Island families navigate financial crises for years. We understand the unique challenges of living in Nassau County, where high property taxes and living costs can quickly overwhelm even well-planned budgets.

We’ve walked countless clients through the bankruptcy process in the local courts, working with the same trustees and judges regularly. That familiarity means we know exactly what to expect and 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 and explain your options in plain English, not legal jargon that leaves you more confused than when you started.

How to File for Bankruptcy

Your Clear Path to Financial Freedom

We start with a free consultation where you bring your bills, income information, and asset details. We’ll review everything together and determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.

Once you decide to move forward, we immediately send notices to all your creditors. This triggers the automatic stay, which legally stops all collection calls, wage garnishments, and foreclosure proceedings while we prepare your case.

We handle all the paperwork, court filings, and communications with trustees. You’ll attend one meeting of creditors – which sounds scarier than it is – and then wait for your discharge. Most Chapter 7 cases wrap up in 3-4 months, while Chapter 13 cases involve a 3-5 year repayment plan that lets you keep your home.

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Debt Relief and Foreclosure Defense Services

Complete Bankruptcy and Debt Relief Representation

We handle both Chapter 7 liquidation and Chapter 13 reorganization cases, depending on your income, assets, and goals. If you’re behind on your mortgage but want to keep your home, Chapter 13 lets you catch up on missed payments over time while stopping foreclosure.

For clients facing immediate foreclosure, we can file an emergency bankruptcy petition to invoke the automatic stay within 24 hours. This buys you time to explore your options without the pressure of an impending sheriff’s sale.

We also provide foreclosure defense services for clients who want to fight the foreclosure in court rather than file bankruptcy. Sometimes lenders make mistakes in their paperwork or procedures that can delay or prevent foreclosure entirely. Every situation is different, which is why we offer free consultations to discuss all your options before you make any decisions.

How long does the bankruptcy process take in New York?

Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge in New York. You’ll attend one meeting of creditors about 30 days after filing, then wait for the trustee to review your case and any potential objections from creditors. Most cases proceed smoothly without complications. Chapter 13 cases involve a 3-5 year repayment plan, but you get immediate protection from creditors as soon as we file. The timeline can vary slightly depending on the complexity of your case and the specific bankruptcy court, but we’ll give you a realistic timeline during your consultation.

Will I lose my house if I file for bankruptcy?

Not necessarily. In Chapter 13 bankruptcy, you can keep your home by catching up on missed mortgage payments through your repayment plan. This is often the best option for homeowners facing foreclosure who have steady income. In Chapter 7, you may keep your home if you’re current on payments and the equity doesn’t exceed New York’s homestead exemption limits. Many clients keep their homes in both types of bankruptcy. The key is acting quickly before foreclosure proceedings advance too far. We’ll analyze your specific situation and mortgage balance to determine the best strategy for protecting your home.

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

Our Chapter 7 fees are competitive with other experienced bankruptcy attorneys in Nassau County, and we offer payment plans so you don’t need to come up with everything upfront. Chapter 13 cases have different fee structures since they involve ongoing work over 3-5 years. We’re transparent about all costs during your free consultation, including court filing fees, credit counseling requirements, and any additional expenses. Many clients are surprised to learn that bankruptcy is more affordable than they expected, especially compared to the monthly minimum payments they’re struggling to make on credit cards and other debts.

What debts cannot be eliminated in bankruptcy?

Certain debts survive bankruptcy, including recent taxes, student loans (in most cases), child support, alimony, and debts incurred through fraud. However, bankruptcy can still help by eliminating other debts and freeing up money to pay these non-dischargeable obligations. For example, if we eliminate your credit card debt, you’ll have more money available for tax payments or student loans. Some tax debts can be discharged if they meet specific age and filing requirements. We’ll review all your debts during consultation and explain exactly what can and cannot be eliminated in your situation.

Will bankruptcy ruin my credit forever?

Bankruptcy appears on your credit report for 7-10 years, but most clients see their credit scores improve within 12-24 months after discharge. This happens because your debt-to-income ratio improves dramatically when debts are eliminated. Many clients qualify for secured credit cards immediately after bankruptcy, then graduate to unsecured cards within a year or two. Car loans are often available within 6-12 months, though initially at higher interest rates. Some clients even qualify for mortgages within 2-3 years. The key is rebuilding responsibly after bankruptcy rather than avoiding credit entirely. We provide guidance on credit rebuilding strategies as part of our service.

Can I file bankruptcy if I have a job and regular income?

Yes, having a job doesn’t disqualify you from bankruptcy. In fact, steady income can make you eligible for Chapter 13, which often provides better outcomes for homeowners and people with valuable assets. Chapter 7 has income limits based on New York’s median income levels, but many working people still qualify, especially if they have high expenses or dependents. If your income is above the Chapter 7 limits, Chapter 13 might be a better option anyway since it lets you keep property and catch up on missed payments over time. We’ll analyze your income, expenses, and assets to determine which chapter works best for your situation during your free consultation.

Local Resources

Rockville Centre, NY is located in Nassau County in New York State