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Hear from Our Customers
You’re drowning in debt that wasn’t supposed to happen. Medical bills from that emergency surgery. Credit cards you had to use when work slowed down. The mortgage that seemed manageable before everything changed.
Bankruptcy isn’t failure—it’s the legal tool that stops the bleeding. When you file, creditors must stop calling immediately. No more wage garnishment. No more sleepless nights wondering if you’ll lose your house.
Chapter 7 wipes out credit card debt, medical bills, and personal loans in about four months. Chapter 13 lets you keep your home while paying back what you can afford over three to five years. Both give you something you haven’t had in months: breathing room.
We’ve helped Long Island residents navigate financial crises for years. We understand the unique pressures facing Stony Brook families—from university employees dealing with budget cuts to small business owners hit by economic downturns.
You won’t get judgment here. You’ll get a lawyer who knows New York bankruptcy law inside and out, plus the local insight that comes from working in Suffolk County courts regularly.
We’ve seen every situation. We know what works. And we know how to protect what matters most to you during this process.
First, we meet for a free consultation to review your debts, income, and assets. No charge, no pressure—just honest answers about your options.
If bankruptcy makes sense, we’ll determine whether Chapter 7 or Chapter 13 fits your situation better. Chapter 7 eliminates most debts quickly if you qualify. Chapter 13 works better if you’re behind on your mortgage but want to keep your home.
We handle all the paperwork, represent you at the required court hearing, and guide you through each step. The automatic stay kicks in as soon as we file, which means creditors must stop all collection efforts immediately. Most cases wrap up in four to six months for Chapter 7, or you’ll have a manageable payment plan with Chapter 13.
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Beyond bankruptcy filing, we provide foreclosure defense to buy you time and explore alternatives. Sometimes loan modification or short sale makes more sense than bankruptcy. We’ll analyze every option.
We also handle the details that other firms skip—like ensuring you keep your car, protecting your retirement accounts, and maximizing New York’s generous homestead exemption. Suffolk County residents can often keep their homes even in Chapter 7 if there’s not excessive equity.
Our service includes credit rebuilding guidance after discharge. Bankruptcy actually helps many clients improve their credit scores faster than struggling with minimum payments for years. We’ll show you how to rebuild responsibly and avoid future financial trouble.
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