Bankruptcy Lawyer in West Hempstead, NY

Stop the Calls, Save Your Home

Get immediate protection from creditors and clear path out of debt with experienced West Hempstead bankruptcy representation.

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Chapter 7 Bankruptcy Attorney

What Life Looks Like After Filing

The phone stops ringing. Collection letters stop coming. Your paycheck stays in your bank account instead of going to wage garnishment.

That’s what happens when you file for bankruptcy with proper legal representation. The automatic stay kicks in immediately, giving you breathing room to figure out your next steps without constant pressure from creditors.

Most clients tell us the relief is almost instant. You can sleep through the night again. You can answer your phone without checking the caller ID first. You can focus on rebuilding instead of just surviving each day.

Chapter 7 bankruptcy eliminates most unsecured debts in about four months. Chapter 13 lets you keep your home while restructuring payments you can actually afford. Both options give you a real fresh start, not just temporary relief.

West Hempstead Bankruptcy Law Firm

We Know Nassau County Bankruptcy Courts

We have been helping West Hempstead residents navigate financial crises for years. We know the local bankruptcy trustees, understand NY state exemption laws, and have guided hundreds of families through both Chapter 7 and Chapter 13 proceedings.

We’re not here to judge your situation or lecture you about how you got here. Financial problems happen to good people – job loss, medical bills, divorce, business failure. What matters now is getting you the protection you need and the fresh start you deserve.

You’ll work directly with experienced bankruptcy attorneys who understand Nassau County court procedures and can protect your rights throughout the entire process.

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How to File Bankruptcy

Your Step-by-Step Path to Relief

First, we meet for a free consultation to review your debts, income, and assets. We’ll determine if bankruptcy is your best option or if there are alternatives that make more sense for your situation.

If bankruptcy is right for you, we’ll help you choose between Chapter 7 and Chapter 13 based on your income, the types of debt you have, and whether you want to keep your home. We handle all the paperwork, including the detailed financial statements and creditor lists required by the court.

Once we file your case, the automatic stay goes into effect immediately. This stops all collection activities, foreclosure proceedings, and wage garnishments. You’ll attend a brief meeting with the bankruptcy trustee, and we’ll be there with you.

Most Chapter 7 cases are complete within four months. Chapter 13 cases involve a 3-5 year repayment plan, but you get immediate protection and keep your property while making affordable payments.

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Debt Relief Lawyer Services

Complete Bankruptcy and Debt Relief Services

We handle all types of bankruptcy cases, from straightforward Chapter 7 liquidations to complex Chapter 13 reorganizations. Our services include foreclosure defense, helping you save your home while working out a payment plan you can manage.

If you’re facing wage garnishment, we can stop it immediately by filing your bankruptcy case. We also handle cases involving business debts, tax problems, and situations where previous bankruptcy attorneys have created complications.

Every case includes thorough review of your debts to make sure we’re eliminating everything possible. We’ll also help you understand which assets you can keep under NY exemption laws – most people keep their home, car, retirement accounts, and personal belongings.

You get direct access to your attorney throughout the process, not just paralegals or assistants. We explain everything in plain English and make sure you understand what’s happening at each step.

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Bankruptcy stops foreclosure immediately when we file your case. The automatic stay is a federal court order that prohibits all collection activities, including foreclosure sales. Even if your home is scheduled for auction next week, filing bankruptcy will halt the process. Chapter 13 bankruptcy is often the best option for homeowners because it allows you to catch up on missed mortgage payments over 3-5 years while keeping your home. We can often file your case within a few days of our initial meeting if foreclosure is imminent.
Chapter 7 eliminates most debts in about four months without requiring monthly payments, but you must qualify based on income limits. Chapter 13 involves a 3-5 year repayment plan where you pay back a portion of your debts, but you can keep property that might be lost in Chapter 7. Chapter 13 is better if you’re behind on mortgage payments, have significant assets, or earn too much for Chapter 7. We’ll analyze your specific situation during your free consultation to determine which chapter gives you the best outcome.
Most people keep their home and car in bankruptcy. New York has generous exemption laws that protect your primary residence, vehicle, retirement accounts, and personal belongings. In Chapter 7, you can keep secured property like your house and car as long as you’re current on payments and the equity doesn’t exceed exemption limits. Chapter 13 lets you keep all your property while catching up on missed payments through your repayment plan. We’ll review your assets during consultation to explain exactly what you can keep.
Attorney fees vary based on the complexity of your case, but we offer transparent pricing with no hidden costs. Chapter 7 cases typically cost less than Chapter 13 because they’re completed faster. We also offer payment plans so you don’t need to pay everything upfront. Court filing fees are set by federal law – currently $338 for Chapter 7 and $313 for Chapter 13. During your free consultation, we’ll give you an exact quote based on your specific situation and explain all costs involved.
Chapter 7 bankruptcy appears on your credit report for 10 years, while Chapter 13 appears for 7 years. However, the impact on your credit score decreases significantly over time, especially if you rebuild credit responsibly. Many clients see their credit scores improve within 1-2 years after filing because their debt-to-income ratio improves dramatically. You can qualify for FHA mortgages just 2 years after Chapter 7 discharge and immediately after Chapter 13 discharge with court approval. We provide guidance on rebuilding credit after your case is complete.
Some tax debts can be eliminated in bankruptcy if they meet specific criteria – generally income taxes that are at least 3 years old and meet other requirements. However, recent taxes, payroll taxes, and tax penalties usually cannot be discharged. Student loans are rarely dischargeable unless you can prove “undue hardship,” which is difficult to establish. Chapter 13 can help you manage tax debts and student loans by including them in your repayment plan with potentially reduced monthly payments. We’ll review your specific tax and student loan situation to explain your options.

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