Bankruptcy Lawyer in West Brentwood, NY

Stop Foreclosure and Eliminate Overwhelming Debt

Get immediate protection from creditors and a fresh financial start with experienced West Brentwood bankruptcy representation.

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Chapter 7 and Chapter 13 Bankruptcy

Your Financial Crisis Ends Here

You’re not just filing paperwork. You’re buying yourself time, space, and legal protection that stops the financial bleeding immediately.

The moment your bankruptcy case is filed, every creditor calling your phone has to stop. Every wage garnishment gets halted. Every foreclosure proceeding gets put on hold while you reorganize your life under the protection of federal bankruptcy law.

Chapter 7 bankruptcy can eliminate most of your unsecured debt in three to four months. Credit cards, medical bills, personal loans – gone. Chapter 13 lets you keep your home while catching up on missed mortgage payments over three to five years. Both options give you something you haven’t had in months or years: breathing room.

West Brentwood Bankruptcy Law Firm

Local Expertise When You Need It Most

We at The Frank Law Firm P.C. have been helping Long Island families navigate financial crises for years. We know the local bankruptcy courts, the trustees, and exactly how New York’s bankruptcy laws work in practice.

You won’t get shuffled off to a paralegal or have your case handled by someone who’s never been to the courthouse where your case will be heard. When you work with us, you get direct access to an experienced bankruptcy attorney who understands the unique financial pressures facing West Brentwood residents.

We’ve seen every type of financial situation. Job loss, medical debt, business failure, divorce – there’s no judgment here, just practical solutions.

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File for Bankruptcy Process

Clear Steps, No Surprises

Your bankruptcy case starts with a free consultation where we review your debts, income, and assets to determine which chapter makes the most sense for your situation. We’ll explain exactly what you can expect and what it will cost.

Once you decide to move forward, we handle all the paperwork and filing requirements. You’ll need to provide financial documents and complete a credit counseling course, but we guide you through each step. Most of our clients are surprised by how straightforward the process actually is.

After filing, you’ll attend one meeting with the bankruptcy trustee – usually lasting 10-15 minutes with routine questions about your finances. For Chapter 7 cases, you’re typically done within four months. Chapter 13 cases involve a payment plan, but you get to keep your home and catch up on missed payments over time.

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Debt Relief and Foreclosure Defense

Complete Bankruptcy Representation

When you hire The Frank Law Firm P.C., you get comprehensive bankruptcy representation from start to finish. We handle all court filings, communicate with creditors and trustees, and represent you at all required hearings.

Our service includes a thorough analysis of your debts to determine what can be eliminated and what must be paid. We’ll help you understand New York’s bankruptcy exemptions so you can protect as much of your property as possible. For homeowners facing foreclosure, we explain how bankruptcy can stop the process and give you options to save your home.

You’ll also receive guidance on rebuilding your credit after bankruptcy. Many of our clients are surprised to learn they can qualify for new credit within a year or two of completing their case. Bankruptcy isn’t the end of your financial life – it’s the beginning of a fresh start.

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Bankruptcy creates an automatic stay the moment your case is filed, which immediately stops all foreclosure proceedings. This gives you time to catch up on missed mortgage payments through a Chapter 13 repayment plan or evaluate your options under Chapter 7. Even if foreclosure is scheduled for next week, filing bankruptcy will halt the sale and give you breathing room to develop a strategy for keeping your home or transitioning to new housing on your terms.
Chapter 7 eliminates most unsecured debts like credit cards and medical bills in about four months, but you may have to give up non-exempt assets. Chapter 13 lets you keep your property while paying back a portion of your debts over three to five years. Chapter 13 is often better if you’re behind on mortgage payments and want to keep your home, while Chapter 7 works well if you need a complete fresh start and don’t have significant assets to protect.
Most people keep their homes and cars in bankruptcy. New York has generous exemptions that protect your primary residence up to a certain value and one vehicle per person. If you’re current on your mortgage and car payments, you can usually keep making payments and retain the property. If you’re behind on payments, Chapter 13 bankruptcy gives you a way to catch up over time while keeping the property.
Attorney fees for bankruptcy typically range from $1,500 to $4,500 depending on the complexity of your case and which chapter you file. Court filing fees are $338 for Chapter 7 and $313 for Chapter 13. We offer payment plans because we understand you’re filing bankruptcy due to financial hardship. During your free consultation, we’ll give you an exact quote based on your specific situation and discuss payment options that work for your budget.
Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 remains for 7 years. However, the impact on your credit score decreases significantly over time, and many clients see their scores improve within 12-24 months after filing. This happens because bankruptcy eliminates the negative impact of missed payments and high debt balances. You can often qualify for new credit, including mortgages, within 2-3 years of completing your bankruptcy case.
Yes, filing bankruptcy immediately stops all wage garnishments through the automatic stay. Your employer must stop taking money from your paycheck as soon as they receive notice of your bankruptcy filing. Any garnishments that have already occurred may be recoverable if they happened within 90 days before filing. This immediate relief is one of the most powerful benefits of bankruptcy and can make the difference between being able to pay your basic living expenses or not.

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