Bankruptcy Lawyer in South Hauppauge, NY

Stop the Calls, Save Your Home

Get immediate creditor protection and eliminate overwhelming debt with experienced South Hauppauge bankruptcy representation.

Hear from Our Customers

Chapter 7 and Chapter 13 Bankruptcy Attorney

Your Fresh Financial Start Begins Here

You’re not just filing paperwork. You’re reclaiming control of your financial future and getting the protection you need right now.

When you file for bankruptcy, creditors must stop calling immediately. No more harassment at work or home. The automatic stay kicks in the moment we file, giving you breathing room to focus on what matters most.

Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and other unsecured debts completely. Most people keep their home, car, and retirement accounts while getting a clean slate in just a few months. Chapter 13 bankruptcy lets you catch up on mortgage payments over three to five years while stopping foreclosure and reducing other debts.

You’ll sleep better knowing your home is protected and your family’s future is secure. That’s what real debt relief looks like.

Experienced South Hauppauge Bankruptcy Law Firm

Local Experience, Personal Attention

We have been helping Long Island families navigate financial crises and rebuild their lives through strategic bankruptcy representation. We understand the unique challenges facing South Hauppauge residents, from high property taxes to unexpected medical expenses.

You’ll work directly with an experienced bankruptcy attorney, not a paralegal or case manager. We know the local bankruptcy trustees, understand Suffolk County court procedures, and have the relationships that matter when protecting your interests.

Our practice focuses exclusively on consumer bankruptcy and debt relief, so you get specialized knowledge and proven strategies that work in New York courts.

How to File for Bankruptcy

Simple Process, Real Protection

Your bankruptcy case starts with a free consultation where we review your debts, assets, and income to determine the best strategy. We’ll explain whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation and what you can expect throughout the process.

Once you decide to move forward, we handle all the paperwork and filing requirements. Most clients are surprised how quickly we can prepare and file their case. The automatic stay protection begins immediately, stopping all collection activity and foreclosure proceedings.

You’ll attend a brief meeting of creditors about a month after filing, where a bankruptcy trustee asks basic questions about your case. We prepare you completely and attend with you. For Chapter 7 cases, most people receive their discharge in three to four months. Chapter 13 cases involve a repayment plan that we negotiate based on your budget and priorities.

Ready to get started?

Explore More Services

About Frank Law Firm, P.C.

Get a Free Consultation

Debt Relief and Foreclosure Defense

Complete Bankruptcy Representation

You get comprehensive bankruptcy representation designed to protect your assets and eliminate your debts as efficiently as possible. We handle Chapter 7 bankruptcy for qualifying individuals who want to eliminate unsecured debts quickly, and Chapter 13 bankruptcy for homeowners who need time to catch up on mortgage payments.

Our foreclosure defense services work hand-in-hand with bankruptcy protection to save your home. We can stop foreclosure sales, negotiate loan modifications, and create realistic repayment plans that fit your budget. Many clients combine bankruptcy with foreclosure defense to address all their debt problems at once.

Every case includes thorough asset protection planning, creditor negotiation when beneficial, and ongoing support throughout your bankruptcy case. We also provide post-bankruptcy guidance to help you rebuild credit and avoid future financial problems.

How quickly can bankruptcy stop foreclosure on my South Hauppauge home?

Bankruptcy stops foreclosure immediately when we file your case, even if the foreclosure sale is scheduled for tomorrow. The automatic stay is one of the most powerful tools in bankruptcy law, and it goes into effect the moment your case is filed with the court. If you’re facing foreclosure, Chapter 13 bankruptcy gives you three to five years to catch up on missed mortgage payments while keeping your home. We can often file emergency bankruptcy cases within 24-48 hours when foreclosure is imminent, but it’s always better to act sooner rather than later.

What debts can be eliminated through Chapter 7 bankruptcy in New York?

Chapter 7 bankruptcy eliminates most unsecured debts including credit cards, medical bills, personal loans, utility bills, and old income taxes in some cases. You’ll also eliminate deficiency balances from repossessed cars or foreclosed homes. However, you cannot eliminate current income taxes, student loans, child support, alimony, or most government debts. Secured debts like your mortgage and car loan can be eliminated, but you’ll need to surrender the property or continue making payments if you want to keep it. Most of our South Hauppauge clients eliminate $50,000 to $150,000 in unsecured debt through Chapter 7.

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

Most people keep their home and car in bankruptcy. New York has generous exemption laws that protect your primary residence up to $170,825 and your vehicle up to $4,425. If your car is worth more, you can often pay the trustee the difference to keep it. For your home, as long as you’re current on mortgage payments and have equity within the exemption limits, you can keep it in Chapter 7. Chapter 13 bankruptcy is specifically designed for people who want to keep their home and catch up on missed payments over time.

How much does it cost to file bankruptcy with a South Hauppauge attorney?

Attorney fees for Chapter 7 bankruptcy typically range from $1,500 to $2,500 plus $338 in court filing fees. Chapter 13 cases cost more because they involve ongoing representation over three to five years, usually $3,500 to $5,000 total. We offer payment plans for all bankruptcy cases and can often include attorney fees in your Chapter 13 repayment plan. The cost of bankruptcy is almost always less than what you’ll save by eliminating your debts. We provide transparent pricing upfront during your free consultation, so you know exactly what to expect.

How long does bankruptcy stay on my credit report and affect my credit score?

Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 stays for 7 years. However, the impact on your credit score decreases significantly over time, and many clients see their scores improve within 12-18 months after filing. This happens because bankruptcy eliminates the negative impact of late payments, collections, and high debt balances. You can qualify for an FHA mortgage just two years after Chapter 7 discharge or during a Chapter 13 case with court approval. Most clients find that bankruptcy actually helps their credit faster than struggling with unmanageable debt payments.

Do I qualify for Chapter 7 bankruptcy or do I have to file Chapter 13?

Qualification for Chapter 7 depends on your income and family size under the bankruptcy means test. If your household income is below the median for New York, you automatically qualify for Chapter 7. If your income is higher, we calculate your disposable income after allowed expenses to determine eligibility. Many South Hauppauge residents qualify for Chapter 7 even with decent incomes because of high living costs and mortgage payments. Chapter 13 is often chosen by people who want to keep their home and catch up on missed payments, regardless of income level. We’ll determine which chapter works best during your free consultation.

Local Resources

South Hauppauge, NY is located in Suffolk County in New York State