Bankruptcy Lawyer in Roosevelt, NY

Stop the Calls, Save Your Home

Get immediate relief from creditors and protect what matters most to your family.

Hear from Our Customers

Chapter 7 Bankruptcy Attorney Roosevelt

Your Fresh Start Begins Here

You’re drowning in bills that never seem to get smaller. Every month, you’re choosing between groceries and credit card payments. The phone won’t stop ringing with collection calls, and you’re losing sleep wondering if you’ll lose your house.

Bankruptcy isn’t about failure—it’s about taking control. When you file for bankruptcy, an automatic stay immediately stops all collection activities. No more harassing phone calls. No more wage garnishments. No more sleepless nights wondering what they’ll take next.

Chapter 7 bankruptcy can eliminate most of your unsecured debts in just a few months. Credit cards, medical bills, personal loans—gone. Chapter 13 lets you keep your home while creating a manageable payment plan for what you owe. You’ll finally have breathing room to rebuild your financial life on your terms.

Roosevelt Bankruptcy Law Firm

Local Experience You Can Trust

The Frank Law Firm P.C. has been helping Roosevelt families navigate financial crises for years. We understand the unique challenges facing Long Island residents—from high property taxes to cost of living pressures that can push good people into impossible situations.

You won’t find judgment here, just practical solutions. We’ve guided hundreds of Nassau County residents through both Chapter 7 and Chapter 13 bankruptcy cases. We know which exemptions protect your assets under New York law, and we’ll fight to keep as much of your property as possible.

Most importantly, we’re part of this community. We understand what your home means to you and your family.

File for Bankruptcy Roosevelt NY

Simple Steps to Financial Freedom

Your bankruptcy case starts with a free consultation where we’ll review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. There’s no pressure—just honest answers about your options.

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

You’ll attend a meeting of creditors about a month after filing—it’s usually quick and straightforward. For Chapter 7 cases, you’ll typically receive your discharge in three to four months. Chapter 13 cases involve a three to five-year payment plan, but you keep your assets and get immediate protection from creditors.

Ready to get started?

Explore More Services

About Frank Law Firm, P.C.

Get a Free Consultation

Foreclosure Defense Attorney Roosevelt

Complete Debt Relief Protection

When you work with us, you get comprehensive bankruptcy representation designed to protect your interests at every step. We handle all court filings, communicate with your creditors, and represent you at hearings. You don’t have to face this alone.

For Roosevelt homeowners facing foreclosure, we can often stop the process and help you keep your house through Chapter 13 bankruptcy. We’ll negotiate with your mortgage company and create a plan that catches up your missed payments over time while keeping your family in their home.

We also provide foreclosure defense services outside of bankruptcy when appropriate. Sometimes we can negotiate loan modifications or other alternatives that avoid both foreclosure and bankruptcy. Every situation is different, and we’ll explore every option available to protect your family’s financial future.

How quickly can bankruptcy stop foreclosure on my Roosevelt home?

Bankruptcy can stop foreclosure immediately through the automatic stay, which goes into effect the moment we file your case. If your home is scheduled for auction tomorrow, filing bankruptcy today will postpone that sale. Chapter 13 bankruptcy is particularly effective for homeowners because it allows you to catch up on missed mortgage payments over three to five years while keeping your house. However, you’ll still need to make your regular monthly mortgage payments going forward. The key is acting quickly—the closer you get to the foreclosure sale date, the more limited your options become.

What's the difference between Chapter 7 and Chapter 13 bankruptcy in New York?

Chapter 7 bankruptcy eliminates most unsecured debts like credit cards and medical bills in about four months, but you may have to give up non-exempt property. Chapter 13 bankruptcy lets you keep your property while paying back a portion of your debts over three to five years. For Roosevelt residents, Chapter 13 is often better if you’re behind on your mortgage or car payments, have significant equity in your home, or earn too much to qualify for Chapter 7. Chapter 7 works well if you have little property and want to eliminate debt quickly. We’ll analyze your specific situation to determine which option provides the best outcome for your family.

Will I lose my house and car if I file bankruptcy?

Most of our Roosevelt clients keep their homes and cars through bankruptcy. New York’s bankruptcy exemptions protect a significant amount of home equity, and you can usually keep your car if it’s not worth much more than what you owe. If you’re current on your mortgage and car payments, Chapter 7 typically won’t affect these secured debts. If you’re behind on payments, Chapter 13 lets you catch up over time while keeping the property. The key is being honest about your assets and working with an experienced bankruptcy attorney who knows how to maximize your exemptions under New York law.

How much does it cost to file bankruptcy in Roosevelt, NY?

Our bankruptcy fees vary depending on the complexity of your case, but we offer payment plans to make legal representation affordable when you need it most. Chapter 7 cases typically cost less than Chapter 13 cases due to the additional work involved in payment plan bankruptcies. Court filing fees are set by federal law—currently $338 for Chapter 7 and $313 for Chapter 13. We provide transparent pricing during your free consultation, and unlike some firms, we don’t charge extra for routine services like creditor communications or basic court appearances. Many clients find that bankruptcy saves them far more money than it costs by eliminating debt and stopping interest charges.

How long will bankruptcy stay on my credit report?

Chapter 7 bankruptcy remains on your credit report for ten years, while Chapter 13 stays for seven years. However, the impact on your credit score decreases significantly over time, especially if you practice good credit habits after your discharge. Many clients see their credit scores improve within two years of filing because they no longer have overwhelming debt dragging down their scores. You can often qualify for a car loan within a year and a mortgage within two to three years after bankruptcy. The key is rebuilding responsibly with secured credit cards and making all payments on time. Bankruptcy often provides a faster path to good credit than struggling with unmanageable debt for years.

Can I file bankruptcy if I've already been sued by creditors?

Yes, you can absolutely file bankruptcy even after creditors have sued you or obtained judgments. In fact, bankruptcy can eliminate most judgment debts and stop wage garnishments, bank account levies, and other collection activities. The automatic stay stops all pending lawsuits immediately, and any judgments for dischargeable debts will be wiped out along with the underlying debt. If creditors have already started garnishing your wages or freezing your bank accounts, bankruptcy stops these actions right away. However, it’s always better to address debt problems before they reach the lawsuit stage, so don’t wait if you’re struggling financially. The sooner you act, the more options you’ll have available.

Local Resources

Roosevelt, NY is located in Nassau County in New York State

Useful Links

Other Services we provide in Roosevelt

Bankruptcy Lawyer in Roosevelt, NY

Stop the Calls, Save Your Home