Bankruptcy Lawyer in Woodside, NY

Stop Creditor Calls and Eliminate Debt

Get the fresh financial start you deserve with experienced bankruptcy lawyer guidance in Woodside.

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Chapter 7 Bankruptcy Attorney

Your Debt Problems End Here

You’re tired of losing sleep over bills you can’t pay. Every phone call makes your stomach drop. Every piece of mail brings more stress.

Filing for bankruptcy isn’t giving up—it’s taking control. Chapter 7 bankruptcy can eliminate most of your unsecured debts completely. Credit cards, medical bills, personal loans—gone. Chapter 13 bankruptcy creates a manageable payment plan that fits your actual income, not what creditors demand.

Within days of filing, creditor calls stop by law. Wage garnishments end. Foreclosure proceedings halt. You get breathing room to rebuild your financial life without the constant pressure and fear that’s been consuming you and your family.

Woodside Bankruptcy Law Firm

Local Experience You Can Trust

The Frank Law Firm P.C. has been helping Woodside families navigate financial crises and find real solutions to overwhelming debt. As a local bankruptcy attorney, we understand the unique challenges facing Queens residents—from high housing costs to unexpected medical expenses.

Every case gets personal attention. You’re not just another file number. We take time to understand your specific situation and explain your options in plain English, not legal jargon.

We have successfully guided hundreds of individuals and families through both Chapter 7 and Chapter 13 bankruptcy proceedings in New York courts. This experience means fewer surprises and smoother processes for our clients.

Bankruptcy Filing Process

Simple Steps to Financial Freedom

Your bankruptcy case starts with a free consultation. We review your debts, income, and assets to determine which chapter of bankruptcy best fits your situation. No pressure, no sales pitch—just honest assessment of your options.

Once you decide to move forward, we handle all paperwork and filing requirements. You’ll attend a required credit counseling session and provide necessary financial documents. We prepare and file your petition with the bankruptcy court, which immediately triggers the automatic stay that stops all collection activities.

The process typically takes 3-6 months for Chapter 7 cases and 3-5 years for Chapter 13 payment plans. You’ll attend one brief meeting with the bankruptcy trustee, and we’ll be there with you. Most clients find the actual process much less stressful than they expected.

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Debt Relief Services

Complete Bankruptcy Legal Services

The Frank Law Firm P.C. handles all aspects of personal bankruptcy cases in Woodside and throughout Queens. Our services include Chapter 7 liquidation bankruptcy for qualifying individuals and families, and Chapter 13 reorganization bankruptcy for those with regular income who want to keep their homes.

We also provide foreclosure defense services, helping homeowners explore alternatives to losing their property. Many clients don’t realize they have options beyond just accepting foreclosure. We work with lenders on loan modifications and use bankruptcy protection to stop foreclosure proceedings when appropriate.

Every client receives comprehensive debt analysis, asset protection planning, and post-bankruptcy credit rebuilding guidance. Our goal isn’t just to eliminate current debt—it’s to set you up for long-term financial stability and success.

How much does it cost to file for bankruptcy in New York?

Filing fees for Chapter 7 bankruptcy are $338, and Chapter 13 costs $313 to file with the court. Attorney fees vary based on case complexity, but The Frank Law Firm P.C. offers affordable payment plans to make legal representation accessible. Most clients find that the money saved by eliminating debt far outweighs the cost of filing. During your free consultation, you’ll receive a clear breakdown of all costs involved in your specific case with no hidden fees or surprises.

Will I lose my house if I file for bankruptcy?

Most people keep their homes when filing bankruptcy. New York’s homestead exemption protects up to $170,825 of home equity for most filers. If you’re current on mortgage payments, you can usually continue paying and keep the house. Chapter 13 bankruptcy is specifically designed to help homeowners catch up on missed mortgage payments while keeping their property. If you’re facing foreclosure, filing bankruptcy immediately stops the foreclosure process and gives you time to explore options for saving your home.

How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy remains on your credit report for 10 years, while Chapter 13 stays for 7 years. However, the impact on your credit score decreases significantly over time, especially if you practice good credit habits after filing. Many clients see their credit scores improve within 12-24 months because they no longer have overwhelming debt dragging down their scores. You can often qualify for secured credit cards immediately after discharge and car loans within a year or two of completing your bankruptcy case.

Can bankruptcy stop wage garnishment and creditor calls immediately?

Yes, filing bankruptcy triggers an automatic stay that immediately stops all collection activities, including wage garnishment, creditor calls, and collection letters. This protection begins the moment your bankruptcy petition is filed with the court, not when creditors receive notice. Your employer must stop garnishing your wages, and creditors who continue collection efforts after filing can face penalties. This immediate relief is often the most significant benefit clients experience, giving them breathing room to focus on rebuilding their financial lives without constant harassment.

What debts cannot be eliminated through bankruptcy?

Certain debts survive bankruptcy, including most student loans, recent taxes, child support, alimony, and debts obtained through fraud. However, bankruptcy eliminates most common debts like credit cards, medical bills, personal loans, and old utility bills. Even for non-dischargeable debts like taxes, Chapter 13 bankruptcy can create manageable payment plans with reduced penalties and interest. During your consultation, we will review your specific debts and explain exactly which ones can be eliminated and which ones you’ll still need to address after bankruptcy.

How do I know if I qualify for Chapter 7 versus Chapter 13 bankruptcy?

Chapter 7 eligibility depends on passing the means test, which compares your income to New York’s median income levels. If your income is below the median or you have high necessary expenses, you likely qualify for Chapter 7. Chapter 13 is available to anyone with regular income and debt levels below statutory limits. Chapter 7 eliminates debts quickly but may require giving up non-exempt assets, while Chapter 13 lets you keep property but requires a 3-5 year payment plan. We will analyze your financial situation and recommend the best option for your specific circumstances.

Local Resources

Woodside, NY is located in Queens County in New York State