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Hear from Our Customers
The phone stops ringing with collection calls. You sleep through the night without worrying about losing your house. Your paycheck stays in your account instead of getting garnished.
Chapter 7 bankruptcy can eliminate most of your unsecured debts completely. Credit cards, medical bills, personal loans – gone. You keep your home, your car, your retirement accounts, and other essential assets protected under New York exemption laws.
Chapter 13 reorganization lets you catch up on missed mortgage payments over three to five years while stopping foreclosure proceedings. You get breathing room to rebuild without the crushing weight of unmanageable debt payments eating up every dollar you earn.
We have helped Long Island families navigate financial crises for years. We understand the specific challenges facing Trainsmeadow residents – high property taxes, expensive mortgages, and the cost of living that can quickly overwhelm even careful budgeters.
We know the local bankruptcy court procedures and how New York exemption laws work to protect your assets. More importantly, we know you’re not here because you’re irresponsible with money. Medical emergencies, job loss, divorce, business failures – life happens to good people.
You’ll work directly with an experienced bankruptcy attorney who takes time to understand your specific situation and explain your options clearly.
First, we review your debts, income, assets, and expenses during a free consultation. We’ll determine whether Chapter 7 or Chapter 13 makes more sense for your situation, or if there are alternatives worth exploring first.
Once you decide to move forward, we prepare and file your bankruptcy petition. The automatic stay goes into effect immediately – creditors must stop all collection activities, including foreclosure proceedings, wage garnishments, and harassing phone calls.
For Chapter 7, the process typically takes four to six months. You’ll attend a meeting of creditors where a trustee asks basic questions about your finances. Most of our clients never see the inside of a courtroom. For Chapter 13, we’ll work with you to create a realistic repayment plan the court will approve.
Throughout the process, we handle all communication with creditors, trustees, and the court. You focus on moving forward while we handle the legal details.
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Beyond bankruptcy filing, we provide foreclosure defense to help you keep your home. We review your mortgage documents, negotiate with lenders, and explore loan modification options. Sometimes we can buy you months of additional time to get your finances stabilized.
We also handle debt settlement negotiations when bankruptcy isn’t the right fit. Some clients benefit from negotiating reduced payoffs with creditors outside of bankruptcy court, especially when they have assets they want to protect or income that makes Chapter 7 unavailable.
Every case includes a thorough review of your credit reports and guidance on rebuilding your credit after discharge. Many of our clients see their credit scores improve significantly within two years because they’re no longer carrying overwhelming debt loads.
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