Call Now: 516-246-557724/7 Emergency Services
Get immediate protection from debt collectors and keep what matters most to your family.
Hear from Our Customers
You’re tired of choosing between groceries and mortgage payments. Tired of screening calls because you know it’s another debt collector. Tired of the knot in your stomach every time you check the mail.
Bankruptcy isn’t about giving up. It’s about taking control back from creditors who want to squeeze every dollar from your family while you struggle to keep your head above water.
When you file for bankruptcy, everything changes immediately. The automatic stay kicks in, which means creditors must stop calling you. No more harassment. No more threats. No more sleepless nights wondering if they’ll garnish your wages or freeze your bank account.
You keep your home, your car, and the essentials your family needs. Chapter 7 wipes out credit card debt, medical bills, and other unsecured obligations in about four months. Chapter 13 lets you catch up on mortgage payments over three to five years while eliminating other debts.
We have helped West Islip families navigate financial crises for years. We understand the local court system, the trustees, and exactly how to protect your assets under New York bankruptcy exemptions.
You’re not just another case number here. We take time to understand your specific situation because every family’s financial picture is different. Some clients need immediate Chapter 7 relief. Others benefit from Chapter 13’s payment plan structure.
We’ve stopped foreclosures the day before sheriff sales. We’ve eliminated six-figure credit card debts. We’ve helped small business owners close their doors with dignity instead of drowning in business debt.
First, we meet for a free consultation where you bring your bills, income information, and asset details. We review everything and explain whether Chapter 7 or Chapter 13 makes more sense for your situation. No judgment, just clear answers.
Next, we prepare and file your bankruptcy petition. The moment it’s filed, the automatic stay goes into effect. Creditors must stop all collection activities immediately. If you’re facing foreclosure, this buys you time to explore your options.
Then we handle the paperwork, communicate with the trustee, and guide you through the meeting of creditors. Most clients find this meeting much less intimidating than they expected. We prepare you thoroughly so you know exactly what to expect.
Finally, you receive your discharge order eliminating eligible debts. Chapter 7 cases typically close in four months. Chapter 13 cases involve a three to five year payment plan, but you’re protected from creditors the entire time.
Ready to get started?
We handle both Chapter 7 and Chapter 13 bankruptcy cases for West Islip residents. Chapter 7 eliminates most unsecured debts quickly if you qualify based on income and assets. Chapter 13 works better if you’re behind on mortgage payments or have significant assets to protect.
Foreclosure defense is often part of our bankruptcy strategy. We can stop foreclosure proceedings while you reorganize your finances through Chapter 13, giving you up to five years to catch up on missed mortgage payments.
Our services include reviewing all your debts to determine what can be eliminated, protecting your exempt property, handling all court filings and deadlines, communicating with creditors and trustees, and providing ongoing guidance throughout your case.
You’ll have direct access to your attorney, not just paralegals or assistants. We explain complex bankruptcy law in plain English so you understand your options and can make informed decisions about your financial future.
Local Resources