Bankruptcy Lawyer in Uniondale, NY

Stop the Calls, Save Your Home

Get immediate debt relief and foreclosure protection with experienced local bankruptcy representation in Nassau County.

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Chapter 7 Bankruptcy Attorney

What Life Looks Like Debt-Free

The phone stops ringing with collection calls. Your paycheck stays in your account instead of going to garnishments. You sleep through the night without worrying about losing your house.

That’s what happens when bankruptcy works the way it should. Chapter 7 can eliminate your credit card debt, medical bills, and personal loans in about four months. Chapter 13 lets you keep your home while reorganizing payments you can actually afford.

You’re not looking to game the system. You want to handle your responsibilities, but the math just doesn’t work anymore. Bankruptcy gives you the legal tools to reset your financial situation and move forward.

Uniondale Bankruptcy Law Firm

We Handle Nassau County Cases Daily

We have been helping Uniondale families navigate bankruptcy for years. We know the local trustees, understand Nassau County procedures, and file cases in the Eastern District regularly.

You’ll work directly with an attorney, not a paralegal or case manager. We’ve seen how financial stress affects families in this area, and we don’t waste time with judgment or lectures.

Our focus is getting you the protection you need as quickly as possible while making sure you understand every step of the process.

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File for Bankruptcy Process

Here's Exactly What Happens Next

First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 makes more sense for your situation, or if there are alternatives worth considering.

If you decide to move forward, we immediately send cease and desist letters to stop creditor harassment. Then we prepare and file your bankruptcy petition, which triggers the automatic stay – legal protection that stops foreclosures, garnishments, and collection activities.

For Chapter 7, you’ll attend one meeting with the trustee about 30 days after filing. Most cases are completed in 3-4 months with a discharge order eliminating your qualifying debts. Chapter 13 involves a 3-5 year payment plan, but you keep your assets and catch up on mortgage payments over time.

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About Frank Law Firm, P.C.

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Debt Relief Lawyer Services

Complete Bankruptcy and Foreclosure Defense

We handle both Chapter 7 liquidation and Chapter 13 reorganization cases. Our foreclosure defense work often buys you months of additional time in your home while we prepare your bankruptcy filing.

Many Uniondale homeowners benefit from Chapter 13 because it allows you to keep your house and car while paying back a portion of your debts over 3-5 years. We also handle the means test calculations that determine which chapter you qualify for.

You get direct attorney representation throughout the entire process, preparation for the meeting of creditors, and guidance on rebuilding your credit after discharge. We explain everything in plain English so you understand your options and obligations.

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Filing bankruptcy creates an immediate automatic stay that stops foreclosure proceedings the same day we file your case. This gives you breathing room to evaluate your options. Chapter 13 is often the better choice for homeowners because it allows you to catch up on missed mortgage payments over 3-5 years while keeping your house. Chapter 7 stops foreclosure temporarily, but you’ll need to get current on payments quickly or work out a modification with your lender. The key is acting before the foreclosure sale date – once your home is sold, bankruptcy can’t get it back.
Chapter 7 eliminates most unsecured debts including credit cards, medical bills, personal loans, old utility bills, and deficiency balances from repossessed cars. You’ll still owe child support, recent taxes, student loans, and secured debts like your mortgage and car payment if you want to keep those assets. Recent cash advances or luxury purchases made within 90 days of filing may not be dischargeable. We review your specific debts during consultation to give you an accurate picture of what will be eliminated versus what you’ll still owe after your case is complete.
Attorney fees for Chapter 7 typically range from $1,500-$2,000 plus the $338 court filing fee. Chapter 13 cases cost more because they involve 3-5 years of ongoing work, usually $3,000-$4,000 plus $313 in court fees. We offer payment plans for both chapters – you don’t need all the money upfront. Many clients pay half down and make payments on the balance before filing. We’re upfront about all costs during your free consultation, including any additional fees for complex issues like business debts or adversary proceedings.
Most people keep their house and car in Chapter 7 if they’re current on payments and want to keep them. New York’s homestead exemption protects up to $170,825 in home equity, and you can exempt $4,825 in vehicle equity. If you’re behind on payments, Chapter 7 won’t help you catch up – that’s where Chapter 13 is better. If you have significant equity above the exemption limits, the trustee might sell the asset and give you your exemption amount in cash. We analyze your equity and payment status during consultation to predict what will happen to your major assets.
Chapter 7 cases typically take 3-4 months from filing to discharge. You’ll attend one meeting with the trustee about 30 days after filing, then wait for the discharge order. Chapter 13 takes 3-5 years because you’re making payments under a court-approved plan, but you get immediate protection when we file. The timeline can be longer if there are complications like objections from creditors or issues with your paperwork. Most Uniondale clients are surprised how quickly Chapter 7 moves – you get debt relief faster than most people expect, especially compared to trying to pay everything off at minimum payment rates.
Yes, filing bankruptcy immediately stops wage garnishments through the automatic stay. Your employer must stop taking money from your paycheck as soon as we provide them with your case number and filing date. This applies to garnishments for credit cards, medical bills, personal loans, and most other debts. However, garnishments for child support, recent taxes, and student loans may continue even after filing. If you’ve already lost money to garnishment, Chapter 7 might allow you to recover some of those payments if they occurred within 90 days before filing. The sooner you file, the more of your paycheck you keep.

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