Bankruptcy Lawyer in Terryville, NY

Stop the Calls, Save Your Home

Get the debt relief you need with a bankruptcy attorney who understands your situation.

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Debt Relief Solutions Terryville

What Life Looks Like After

The phone stops ringing at dinner time. You sleep through the night without worrying about foreclosure notices. Your paycheck stays in your account instead of going to wage garnishment.

That’s what happens when you file for bankruptcy with proper legal guidance. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in as little as four months. Chapter 13 bankruptcy lets you keep your home while paying back what you can afford over three to five years.

You’re not just getting rid of debt. You’re getting your life back. No more hiding from creditors or avoiding the mailbox. Just a clear path forward and the chance to rebuild your finances the right way.

Terryville Bankruptcy Law Firm

We Know New York Law

We have been helping Terryville families navigate bankruptcy and debt relief for years. We understand how New York’s exemption laws work and what you can protect during bankruptcy.

Most people think bankruptcy means losing everything. That’s rarely true in New York. You can often keep your home, car, retirement accounts, and personal belongings while eliminating the debt that’s crushing you.

We’ve seen every type of financial situation. Job loss, medical bills, divorce, business failure. There’s no judgment here, just practical solutions that work within New York bankruptcy law.

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Filing Bankruptcy Process NY

Here's How We Handle It

First, we review your complete financial picture during a consultation. Income, expenses, debts, assets. This determines whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.

Next, we prepare and file your bankruptcy petition with the court. The automatic stay goes into effect immediately, which stops all collection activity, foreclosure proceedings, and wage garnishments. The creditor calls stop that day.

Then we guide you through the process. There’s a meeting of creditors about 30 days after filing, but it’s usually brief and straightforward. In Chapter 7 cases, you typically receive your discharge in about four months. Chapter 13 cases involve a payment plan that lasts three to five years, but you keep your assets while paying what you can afford.

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About Frank Law Firm, P.C.

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Chapter 7 Chapter 13 Attorney

Complete Bankruptcy Services Available

We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense when you need to protect your home. Chapter 7 works best when you have limited income and want to eliminate unsecured debts quickly. Chapter 13 is better when you have regular income and want to catch up on mortgage payments while keeping your house.

Many Terryville clients come to us facing foreclosure. We can often stop the foreclosure process and negotiate solutions that let you keep your home. Sometimes that means filing Chapter 13 to catch up on missed payments. Other times we can work out loan modifications or other alternatives.

You also get guidance on rebuilding credit after bankruptcy. Most people can qualify for secured credit cards within months of discharge and see their credit scores improve steadily when they follow the right steps.

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Chapter 7 bankruptcy typically takes about four months from filing to discharge in New York. You’ll attend a meeting of creditors about 30-45 days after filing, which usually lasts less than 10 minutes. The court then issues your discharge order eliminating qualifying debts. The entire process is designed to give you a fresh start quickly, though you’ll want to start rebuilding credit immediately after discharge to maximize your financial recovery.
Yes, you can often keep your house in bankruptcy. New York’s homestead exemption protects up to $165,550 of home equity in most cases. If you’re current on mortgage payments and have equity within the exemption limits, Chapter 7 won’t affect your home. If you’re behind on payments, Chapter 13 lets you catch up over time while stopping foreclosure. We analyze your specific situation to determine the best approach for protecting your home.
Certain debts survive bankruptcy including recent taxes, student loans, child support, alimony, and debts from fraud or criminal activity. However, bankruptcy eliminates most common debts like credit cards, medical bills, personal loans, and old utility bills. Even if some debts remain, eliminating the others often makes your remaining obligations manageable. We review your specific debts during consultation to explain exactly what bankruptcy can and cannot eliminate in your case.
Attorney fees for Chapter 7 bankruptcy typically range from $1,500-$2,500, plus a $338 court filing fee. Chapter 13 cases cost more due to the longer timeline and payment plan administration. We offer payment plans because we understand you’re filing bankruptcy due to financial hardship. Many clients pay part of the fee upfront and arrange payments for the balance. We’re transparent about all costs during your initial consultation so there are no surprises.
Bankruptcy stays on your credit report for 7-10 years, but your credit score can improve much faster. Many clients see scores in the 600s within 12-18 months by following proper credit rebuilding steps. The key is getting secured credit cards after discharge, making all payments on time, and keeping balances low. Bankruptcy often improves your credit situation because it eliminates the late payments and high balances that were destroying your score before filing.
Yes, bankruptcy can stop foreclosure proceedings through the automatic stay. Chapter 13 is particularly effective because it lets you catch up on missed mortgage payments over 3-5 years while keeping your home. Even if the foreclosure sale is scheduled, filing bankruptcy typically stops it immediately. We need to act quickly in foreclosure situations, so contact us as soon as you receive foreclosure notices. The sooner we file, the more options you have for saving your home.

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