Bankruptcy Lawyer in Wantagh, NY

Stop Creditors and Save Your Home

Get immediate protection from foreclosure and creditor harassment with experienced bankruptcy representation in Nassau County.

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Chapter 7 Bankruptcy Attorney

Your Fresh Start Begins Here

When you file for bankruptcy, the automatic stay kicks in immediately. That means creditor calls stop, wage garnishments end, and foreclosure proceedings halt while we work out your solution.

You’ll keep your home, your car, and the assets that matter most to your family. The overwhelming debt that’s been crushing you for months or years gets wiped clean through Chapter 7, or restructured into manageable payments through Chapter 13.

Most clients tell us they wish they’d called sooner. The relief is immediate, and the path forward becomes clear. You’re not just eliminating debt – you’re reclaiming control over your financial future and your peace of mind.

Wantagh Bankruptcy Law Firm

Local Experience, Real Results

We’ve been helping Long Island families navigate financial crises for years. We understand the unique pressures facing Nassau County residents – from high property taxes to unexpected medical bills that can derail even the most careful budget.

Our practice focuses exclusively on bankruptcy and debt relief, which means we know exactly how to protect your assets and get you the best possible outcome. We’ve filed hundreds of successful Chapter 7 and Chapter 13 cases in local courts.

You’re working with attorneys who live and work in your community. We understand what you’re going through because we’ve helped your neighbors face the same challenges.

File for Bankruptcy Process

Simple Steps to Financial Freedom

First, we meet for a free consultation to review your debts, income, and assets. You’ll leave this meeting knowing exactly which type of bankruptcy makes sense for your situation and what to expect throughout the process.

Next, we prepare and file your bankruptcy petition with the court. The moment we file, the automatic stay goes into effect – creditors must stop calling, wage garnishments end, and foreclosure proceedings pause.

Within 60 days, you’ll attend a brief meeting with the bankruptcy trustee. We’ll be there with you to handle any questions. For Chapter 7 cases, most clients receive their discharge within 4-6 months. Chapter 13 clients begin their manageable payment plan and start rebuilding immediately.

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About Frank Law Firm, P.C.

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Debt Relief Lawyer Services

Complete Bankruptcy and Debt Solutions

Our bankruptcy services cover everything you need for a successful fresh start. We handle Chapter 7 liquidation cases for clients who qualify for complete debt discharge, and Chapter 13 reorganization for those who want to keep their home and pay back debts over time.

We also provide foreclosure defense to buy you time and explore alternatives to bankruptcy. Many Wantagh clients benefit from mortgage modifications or loan workouts that we negotiate directly with lenders.

Small business owners get specialized attention for business debt issues, including personal guarantees that often complicate business closures. We understand how business and personal finances intertwine, especially for Long Island entrepreneurs.

How long does Chapter 7 bankruptcy take in Nassau County?

Most Chapter 7 bankruptcy cases in Nassau County are completed within 4-6 months from filing to discharge. The timeline includes a 60-day period after filing for the meeting of creditors, followed by additional time for the trustee to review your case. Once filed, you get immediate protection through the automatic stay, so creditor harassment stops right away. The actual discharge that eliminates your qualifying debts typically occurs around month 4, assuming no complications arise with your case.

Can I keep my house if I file for bankruptcy in Wantagh?

Yes, most clients keep their homes when filing bankruptcy in New York. The state homestead exemption protects up to $170,825 of equity in your primary residence, and Nassau County residents can often protect even more equity. In Chapter 13 bankruptcy, you can catch up on missed mortgage payments through your repayment plan while keeping the house. Even in Chapter 7, as long as you’re current on payments and don’t have excessive equity, you typically keep your home. We review your specific situation during consultation to determine the best strategy for protecting your house.

What debts cannot be eliminated through bankruptcy filing?

Certain debts survive bankruptcy discharge, including recent income taxes, student loans (in most cases), child support, alimony, and debts incurred through fraud. However, the majority of common debts – credit cards, medical bills, personal loans, and older tax debts – can be completely eliminated in Chapter 7 or addressed through Chapter 13 payment plans. Recent luxury purchases or cash advances may also be challenged by creditors. During your consultation, we’ll review each debt to determine what can be discharged and what obligations will remain after your bankruptcy case.

How much does it cost to file bankruptcy with your firm?

Chapter 7 bankruptcy attorney fees typically range from $1,500-$2,500 plus court filing fees of $338. Chapter 13 cases generally cost $3,500-$4,500 in attorney fees, with some fees paid through your monthly plan payments. We offer payment plans for clients who cannot pay all fees upfront, and we’ll discuss your options during the free consultation. The investment in proper legal representation almost always saves money compared to continuing to struggle with unmanageable debt, wage garnishments, and potential foreclosure costs.

Will bankruptcy ruin my credit score permanently?

Bankruptcy appears on your credit report for 7-10 years, but most clients see credit score improvements within 12-24 months after filing. This happens because your debt-to-income ratio improves dramatically once debts are discharged. Many clients qualify for secured credit cards immediately after discharge and car loans within a year. The key is rebuilding responsibly with on-time payments and keeping balances low. Clients often achieve better credit scores 2-3 years post-bankruptcy than they had while struggling with overwhelming debt and missed payments.

Do I qualify for Chapter 7 or Chapter 13 bankruptcy?

Qualification depends on your income, expenses, and debt types. Chapter 7 requires passing the “means test” – your household income must be below the median for Nassau County, or you must have limited disposable income after allowed expenses. Chapter 13 is available to anyone with regular income and debts below statutory limits. Many clients have a choice between both chapters, and we help determine which option provides better outcomes for your specific situation. The free consultation includes a complete eligibility review for both types of bankruptcy relief.

Local Resources

Wantagh, NY is located in Nassau County in New York State