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Get immediate debt relief and protect your assets with an experienced West Gilgo Beach bankruptcy lawyer who fights for your fresh start.
Hear from Our Customers
You wake up without dreading the phone ringing. No more creditor calls interrupting dinner with your family. No more sleepless nights wondering if you’ll lose your home.
Your mailbox stops filling with threatening letters. Instead of hiding from your financial problems, you’re rebuilding your credit score month by month. The automatic stay protection gives you breathing room to focus on what matters most.
Within months, you’re making realistic payments you can actually afford. Your mortgage is current, your essential bills are manageable, and you have a clear path forward. The shame and stress that consumed your thoughts gets replaced with genuine hope for your financial future.
We have helped Long Island families navigate bankruptcy for years, with deep knowledge of New York bankruptcy courts and local financial challenges. We understand the unique pressures West Gilgo Beach residents face, from high property taxes to expensive living costs.
You work directly with an experienced bankruptcy attorney, not assistants or paralegals. We’ve successfully filed hundreds of Chapter 7 and Chapter 13 cases, protecting homes and eliminating debt for families just like yours.
Our office serves the entire Long Island community with the personal attention and local expertise you need during this difficult time.
First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. No pressure, no sales pitch – just honest advice about your options.
Once you decide to move forward, we immediately begin preparing your bankruptcy petition. This includes gathering financial documents, completing required forms, and filing with the bankruptcy court. The automatic stay goes into effect as soon as we file, stopping all collection activities.
Next, you’ll attend a meeting of creditors, which is typically a brief, straightforward process. We prepare you for what to expect and handle all communication with the trustee. For Chapter 7 cases, most people receive their discharge within 3-4 months. Chapter 13 cases involve a 3-5 year payment plan that we help you manage every step of the way.
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We handle both Chapter 7 liquidation and Chapter 13 reorganization cases, depending on your income and goals. Chapter 7 eliminates most unsecured debts completely, while Chapter 13 allows you to keep your home and catch up on missed payments through a manageable payment plan.
Our foreclosure defense services work hand-in-hand with bankruptcy protection. We can stop foreclosure proceedings and negotiate with mortgage companies to modify loan terms or catch up on missed payments. Many West Gilgo Beach homeowners combine bankruptcy with foreclosure defense to protect their most important asset.
You also receive guidance on rebuilding your credit after bankruptcy. We explain which debts get eliminated, how to handle secured debts like car loans, and practical steps to improve your credit score. Our goal is your long-term financial stability, not just immediate debt relief.
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