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Hear from Our Customers
You’re drowning in bills, and every phone call makes your stomach drop. The letters keep coming, and you’re wondering if you’ll lose everything you’ve worked for.
Filing for bankruptcy isn’t giving up—it’s taking control. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in as little as four months. You keep your home, your car, and your essential belongings while wiping out the debt that’s crushing you.
Chapter 13 bankruptcy works differently but just as effectively. You’ll get a court-approved payment plan that fits your budget, often paying just a fraction of what you owe. Your home stays protected from foreclosure, and you have up to five years to catch up on missed payments while creditors can’t touch you.
We have been helping South Farmingdale families navigate bankruptcy law for years. We know the local courts, the trustees, and exactly how to protect your interests throughout the process.
You’re not just another case number here. We understand that financial problems happen to good people—job loss, medical emergencies, divorce, or simply the crushing cost of living on Long Island. Our approach is straightforward: listen to your situation, explain your options clearly, and fight to get you the best possible outcome.
We’ve guided hundreds of families through both Chapter 7 and Chapter 13 bankruptcy, and we know how to handle the complexities that come with New York’s bankruptcy procedures.
Your bankruptcy case starts with a free consultation where we review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation, and you’ll leave knowing exactly what to expect.
Once you decide to move forward, we handle all the paperwork and filing requirements. This includes the petition, schedules of assets and debts, and income documentation. We also ensure you complete the required credit counseling course before filing.
After filing, creditors must immediately stop all collection activities—no more calls, letters, or threats. You’ll attend a meeting of creditors about a month later, which is typically brief and straightforward. For Chapter 7 cases, you’ll receive your discharge in about four months. Chapter 13 cases involve a payment plan that we’ll help you manage from start to finish.
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Our bankruptcy services cover everything you need for a successful fresh start. We handle Chapter 7 liquidation cases for those who qualify based on income, and Chapter 13 reorganization for higher earners or those who want to keep non-exempt property.
Foreclosure defense is often crucial for Long Island homeowners facing bankruptcy. We can stop foreclosure proceedings while your bankruptcy case is pending, giving you time to catch up on payments through a Chapter 13 plan or surrender the property strategically in Chapter 7.
We also provide comprehensive debt relief counseling to help you understand all your options before filing. Sometimes bankruptcy isn’t necessary, and we’ll tell you honestly if there’s a better solution. When bankruptcy is the right choice, we make sure you get maximum debt elimination while keeping everything the law allows you to protect.
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