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Bankruptcy Lawyer in South Ozone Park

Stop Creditors and Protect Your Future

Get immediate relief from debt collectors and explore real solutions with an experienced bankruptcy lawyer who understands South Ozone Park families.

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516-246-5577
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Chapter 7 and Chapter 13 Bankruptcy

What Life Looks Like After Filing

The phone stops ringing with collection calls. Your wages are protected from garnishment. You sleep better knowing foreclosure proceedings have stopped.

Chapter 7 bankruptcy can eliminate most of your unsecured debts in just a few months. Credit cards, medical bills, and personal loans disappear, giving you a true fresh start. Chapter 13 lets you keep your home while reorganizing your debts into an affordable payment plan.

You’re not just getting out of debt—you’re getting your life back. The constant stress of juggling payments and avoiding creditors ends. You can focus on rebuilding instead of just surviving.

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South Ozone Park Bankruptcy Attorney

We Know Queens Bankruptcy Law

The Frank Law Firm P.C. has helped South Ozone Park residents navigate bankruptcy for years. We understand the local community and the financial pressures facing Queens families.

You’re not getting a one-size-fits-all approach. We take time to understand your specific situation—whether you’re facing foreclosure, dealing with medical debt, or struggling after job loss. Our office knows how to work with the bankruptcy courts that serve this area.

We’ve seen every type of debt situation and know which solutions actually work for people in your neighborhood.

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How to File for Bankruptcy

Your Path to Debt Relief

First, we meet for a free consultation to review your debts, income, and assets. No pressure, no sales pitch—just an honest assessment of your options. We’ll explain whether Chapter 7 or Chapter 13 makes more sense for your situation.

If you decide to move forward, we handle all the paperwork and court filings. You’ll attend a required credit counseling session and provide financial documents. We prepare you for the meeting of creditors, which is typically brief and straightforward.

Most Chapter 7 cases are complete within four months. Chapter 13 involves a 3-5 year payment plan, but you get immediate protection from creditors. Throughout the process, you’ll know exactly what’s happening and what to expect next.

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Debt Relief and Foreclosure Defense

Complete Bankruptcy and Debt Solutions

We handle both Chapter 7 and Chapter 13 bankruptcy cases for South Ozone Park residents. Chapter 7 eliminates most unsecured debts quickly. Chapter 13 stops foreclosure and creates manageable payment plans.

Foreclosure defense is often part of the bankruptcy process. Filing Chapter 13 immediately stops foreclosure proceedings and gives you time to catch up on mortgage payments. We’ve helped many Queens homeowners save their houses this way.

You also get guidance on rebuilding credit after bankruptcy. We explain which debts are eliminated, which ones remain, and how to establish good credit moving forward. The goal is long-term financial stability, not just temporary relief.

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How quickly can bankruptcy stop creditors from calling me?

The automatic stay goes into effect immediately when we file your bankruptcy petition. This federal court order stops all collection calls, letters, and legal actions. Creditors who continue contacting you after filing can face penalties. Most clients notice the phone calls stop within 24-48 hours of filing. If any creditor contacts you after we file, just refer them to our office and we’ll handle it. This immediate relief is often the first sign that bankruptcy was the right choice.
Not necessarily. Chapter 13 bankruptcy is specifically designed to help homeowners keep their houses while catching up on missed payments. If you’re facing foreclosure, Chapter 13 stops the process immediately and creates a 3-5 year plan to cure the default. Even in Chapter 7, you can often keep your home if you’re current on payments and the equity is within exemption limits. We review your mortgage situation and home value during consultation to determine the best approach for protecting your house.
Chapter 7 eliminates most unsecured debts like credit cards and medical bills in about four months. You don’t make payments to creditors, but you must qualify based on income and expenses. Chapter 13 creates a 3-5 year payment plan where you pay back a portion of your debts. Chapter 13 is better if you’re behind on mortgage payments, have significant assets to protect, or don’t qualify for Chapter 7. We analyze your specific situation to recommend which chapter gives you the best outcome.
Attorney fees vary based on your case complexity, but we offer payment plans to make representation affordable. Chapter 7 cases typically cost less than Chapter 13 because they’re completed faster. Court filing fees are set by federal law—currently $338 for Chapter 7 and $313 for Chapter 13. During your free consultation, we’ll give you exact pricing for your situation. Many clients find that bankruptcy costs less than continuing to make minimum payments on debts they’ll never pay off.
Chapter 7 bankruptcy appears on your credit report for 10 years, while Chapter 13 shows for 7 years. However, the impact on your credit score decreases over time, especially if you rebuild credit responsibly. Many clients see their credit scores improve within 12-18 months because they’re no longer carrying high debt balances and making late payments. We provide guidance on rebuilding credit after bankruptcy, including when and how to apply for new credit accounts.
Bankruptcy eliminates most unsecured debts like credit cards, medical bills, personal loans, and old utility bills. However, some debts survive bankruptcy including recent taxes, student loans, child support, alimony, and debts from fraud or criminal activity. Secured debts like mortgages and car loans continue if you want to keep the property. During consultation, we review each of your debts to explain what will be eliminated and what remains. Most clients are surprised by how much debt actually gets wiped out.

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South Ozone Park, NY is located in Queens County in New York State

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