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Get immediate protection from creditors and explore your debt relief options with an experienced Smiths Point bankruptcy attorney.
Hear from Our Customers
You’re drowning in bills, losing sleep over creditor calls, and watching your financial situation spiral out of control. Bankruptcy isn’t failure—it’s a legal tool designed to give hardworking people like you a second chance.
When you file for bankruptcy, the automatic stay kicks in immediately. That means creditor calls stop, wage garnishments end, and foreclosure proceedings halt. You get breathing room to figure out your next steps without constant harassment.
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 catching up on missed mortgage payments through a manageable 3-5 year plan. Both options protect your exempt assets under New York law, including significant equity in your primary residence.
We have been helping Long Island families navigate financial crises for years. We understand the unique pressures facing Smiths Point residents—high property taxes, cost of living, and economic uncertainty that can push even responsible people into financial trouble.
We’ve successfully filed hundreds of Chapter 7 and Chapter 13 cases in Suffolk County bankruptcy court. Our familiarity with local trustees, procedures, and exemptions means your case moves efficiently through the system.
You’re not just another case number here. We take time to understand your specific situation and explain your options in plain English, not legal jargon.
Your bankruptcy process starts with a free consultation where we review your debts, income, assets, and goals. We’ll determine if you qualify for Chapter 7’s quick discharge or if Chapter 13’s payment plan better fits your situation.
Once you decide to move forward, we handle all the paperwork and legal requirements. We’ll gather your financial documents, complete the bankruptcy petition, and ensure everything’s filed correctly with the Suffolk County bankruptcy court.
You’ll attend a brief meeting of creditors about 30 days after filing—we’ll be there with you. For Chapter 7 cases, you typically receive your discharge in 3-4 months. Chapter 13 cases involve court approval of your payment plan, then you make monthly payments to the trustee while we monitor your case.
Throughout the process, we handle creditor communications and any issues that arise. You focus on rebuilding your financial future while we handle the legal complexities.
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We handle all aspects of personal bankruptcy, from simple Chapter 7 discharges to complex Chapter 13 reorganizations. If you’re behind on your mortgage, we can file Chapter 13 to stop foreclosure and create a plan to catch up on missed payments while keeping your home.
Our debt relief services extend beyond bankruptcy. We negotiate with creditors, review debt settlement options, and help you understand alternatives like loan modifications. Sometimes bankruptcy isn’t necessary—we’ll tell you honestly if there’s a better solution.
For Smiths Point residents, we’re particularly experienced with protecting home equity under New York’s generous homestead exemption. We know how to structure your case to maximize asset protection while achieving the debt relief you need.
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