Bankruptcy Lawyer in Seaford, NY

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Debt Relief Attorney Seaford

What Life Looks Like After

The phone stops ringing at dinner time. Your paycheck stays in your account instead of going to garnishments. You sleep through the night without worrying about losing your house.

That’s what happens when you file for bankruptcy protection. The automatic stay kicks in immediately, stopping all collection activities cold. Creditors can’t call, can’t sue, can’t take your wages.

Your unsecured debts—credit cards, medical bills, personal loans—get wiped out completely in Chapter 7. Or you get a manageable payment plan in Chapter 13 that actually fits your budget. Either way, you’re not drowning anymore.

Bankruptcy Law Firm Seaford

We Know Nassau County Courts

We’ve been helping Seaford families get out of debt for years. We know the local bankruptcy trustees, understand how Nassau County courts work, and we’ve seen every type of financial situation you can imagine.

We’re not a bankruptcy mill that processes hundreds of cases. You get personal attention and straight answers about your options. We explain everything in plain English because legal jargon doesn’t help you make better decisions.

Most importantly, we don’t judge your situation. Financial problems happen to good people. Our job is to get you back on solid ground.

File for Bankruptcy Seaford

Here's Exactly What Happens

First, we sit down and look at your complete financial picture. Income, expenses, debts, assets—everything. This tells us whether Chapter 7 or Chapter 13 makes more sense for your situation.

Next, we prepare and file your bankruptcy petition. The moment it’s filed, the automatic stay goes into effect. Creditors have to stop calling immediately. Wage garnishments stop. Foreclosure proceedings get put on hold.

Then we handle the paperwork, represent you at the meeting of creditors, and guide you through each step until you get your discharge. The whole process takes about 4-6 months for Chapter 7, or 3-5 years for a Chapter 13 payment plan.

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Chapter 7 Chapter 13 Lawyer

Both Types of Bankruptcy Protection

Chapter 7 bankruptcy eliminates most of your unsecured debts in about four months. You keep essential property like your home, car, and retirement accounts. It’s the fresh start option that works for people whose income is below the median for Nassau County.

Chapter 13 bankruptcy creates a 3-5 year payment plan based on what you can actually afford. You keep all your property and catch up on missed mortgage payments over time. It’s perfect for stopping foreclosure and dealing with tax debts or other obligations that don’t go away in Chapter 7.

We also handle foreclosure defense, helping you explore every option to keep your home. Sometimes bankruptcy is the answer. Sometimes loan modification or other alternatives work better.

How quickly can bankruptcy stop foreclosure on my Seaford home?

Bankruptcy stops foreclosure the moment we file your case. The automatic stay is immediate and powerful—your mortgage company has to halt all foreclosure proceedings right away. In Chapter 13, you can catch up on missed payments over 3-5 years while keeping your home. Even if your foreclosure sale is scheduled for next week, filing bankruptcy will stop it. However, timing matters, so don’t wait until the last minute to explore your options.

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

Most people keep their home and car in bankruptcy. New York has generous exemptions that protect your primary residence, vehicle, retirement accounts, and other essential property. In Chapter 7, as long as you’re current on secured debt payments and the equity doesn’t exceed exemption limits, you keep the property. Chapter 13 lets you keep everything while reorganizing your debts into an affordable payment plan.

How much does it cost to file bankruptcy in Seaford?

Attorney fees for Chapter 7 typically range from $1,500-$2,500, plus a $338 court filing fee. Chapter 13 cases cost more because they involve ongoing representation over 3-5 years. We offer payment plans and accept the filing fee in installments through the court. Many clients find that bankruptcy saves them far more money than it costs by eliminating debt and stopping collection actions.

What debts cannot be eliminated in bankruptcy?

Most unsecured debts like credit cards, medical bills, and personal loans get completely wiped out. However, certain debts survive bankruptcy including recent taxes, student loans (with rare exceptions), child support, alimony, and debts from fraud or intentional wrongdoing. Secured debts like mortgages and car loans continue, but you can often modify the terms or surrender the property if you don’t want to keep it.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy appears on your credit report for 10 years, while Chapter 13 shows for 7 years. However, most people see their credit scores start improving within 12-18 months after filing. The key is rebuilding credit responsibly with secured credit cards and timely payments on remaining obligations. Many clients find that bankruptcy actually improves their credit faster than struggling with overwhelming debt payments.

Can I file bankruptcy if I'm currently employed in Seaford?

Yes, having a job doesn’t disqualify you from bankruptcy protection. In fact, stable employment can be helpful, especially for Chapter 13 cases where you need regular income to fund a payment plan. The means test looks at your income relative to expenses and median income levels for Nassau County. Even high earners can qualify for bankruptcy if their expenses are legitimate and their debt load is unmanageable.

Local Resources

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