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Behind on your mortgage? Talk with a Chapter 13 bankruptcy lawyer on Long Island, NY, free and judgment-free. Call 516-246-5577.
Chapter 13 Bankruptcy Long Island
Chapter 13 is a repayment plan. You make one monthly payment to a trustee, who divides it among your creditors over three to five years. In return, the automatic stay halts collection calls, lawsuits, garnishments and foreclosure sales the moment we file.
It fits Long Island homeowners who are behind on a mortgage, earn too much for Chapter 7, or want to protect a home or car. Self-employed people can qualify too, as long as the income is regular. When you sit down with a Chapter 13 bankruptcy attorney on Long Island, NY, the first question should be what you can truly afford each month.
Chapter 13 Help Long Island
The Frank Law Firm provided me with legal advice and guidance during a difficult situation. I came to them to review and explain a legal contract I had signed. Amanda was very knowledgeable and explained the document thoroughly. She was very reassuring, and honest in answering all my questions. I would highly recommend to anyone seeking legal representation to reach out to this firm.
Thomas Frank came highly recommended by an attorney I trust and represented me in a complex matter against a large business entity represented by a large NYC firm. He immediately grasped the nature and scope of my case and came up with a brilliant, linear strategy in short order. Just as swiftly, Thomas strategically executed on each step. I have worked with white glove law firms and have never found the level of consistency and professionalism that Thomas provided in his capacity of counsel. He literally made zero mistakes, even in the moments of game time decisions in the courtroom. Not only that, his creativity and judgement led to an outcome that exceeded my expectations, and, as a human being, he was an absolute pleasure to work with. I cannot recommend Thomas Frank highly enough!
We came to Frank Law Firm because our original attorney put us in a scenario where everything was mismanaged. Amanda quickly cleaned up our previous attorneys mess and put us back on track. From day one they were very transparent about their process and fees. They provided fantastic guidance for us as new home owners. The team was highly responsive and often took time to ensure we fully understood potential outcomes and next steps. Overall we would work with them again and recommend to friends.
Amanda was a pleasure to work with!!! Selling and buying a home at the same time is very stressful too begin with and my experience was very difficult and stressful to say the least. Amanda was so patient, always available, and very knowledgeable to every question and concern that I had. I was truly blessed to have her represent me with both of my transactions. I would definitely recommend The Frank Law Firm to anyone that is looking for the best lawyers out there!!!
Amanda was extremely attentive and followed up on everything promptly. The law firm was professional and courteous and I highly recommend it.
Top of the line customer service. Helped me get my moving violation dismissed and I didn't have to do anything ! Was certain I would get in some trouble but was completely shocked when I received the news that it was completely dismissed. In the past with other law firms I paid a lot of money to only get the penalty months later. The Frank Law Firm dealt with my situation in the most kind and professional way. Very nice people.
Top of the line customer service. Helped me get my moving violation dismissed and I didn't have to do anything ! Was certain I would get in some trouble but was completely shocked when I received the news that it was completely dismissed. In the past with other law firms I paid a lot of money to only get the penalty months later. The Frank Law Firm dealt with my situation in the most kind and professional way. Very nice people.
Thomas Frank was a pleasure to work with. The experience was nothing but a professional one. Mr. Frank guided me through the whole process of Chapter 7 bankruptcy. He was always available to reach by email or texting at any time that I contacted him. He never failed to get back to me within hours. I highly recommend Mr. Frank for all of your legal issues. Also, you'll find their price for their legal services to be more than fair. Again, a great big thank you to a professional and knowledgeable team.
I needed an attorney quick fast and in a hurry. My girlfriend recommended this firm. I called and Amanda got back to me quickly. She researched my issue and gave me good guidance. She is a former prosecutor but able to explain convoluted legal concepts in a very straight forward way. We didn't wind up retaining the firm due to the time contraints of our case, but I know we will be working with them in the future. Give them a call, I think you will like what you hear.
I would like to thank Thomas in handling my first time home buying experience with his law firm. He was very polite and very professional. He even took the time to explain to me page by page about some documents I received from the seller, which by the way it was on his spare time to answer all of my concerns about those documents. He responded on every email and text that I had questions and concerns and I got answers. Thomas made himself accessible and told me if I have any other closing related issues pertaining any documents to give him a call. Thank you once again on doing a great job. I would highly recommend Thomas Frank and his law firm.
I retained Frank Law Firm when I received a warrant for an unpaid ticket. Not knowing the severity of this issue, I called and consulted Amanda. Before giving me any direction, she took the time to make some calls and figure out what exactly was going on. She then guided me through the process. She was very comforting and explained everything in a manor that I understood. I would like to send a sincere thank you to her and Frank Law Firm. The amount of attention and guidance I received was refreshing. I would recommend them to anyone!
The Frank Law firm has helped me and my family tremendously. Amanda has been nothing but a blessing with her vast knowledge and resources, Me and My family were very satisfied with their service. Would definitely recommended them.
I'm a real estate investor in NY and I honestly could not ask to partner up with any firm better than the incredible people at Frank Law Firm. There passion, love and dedication for what they do is evident. I can't thank them enough for everything they have helped me with so far and we are only going to grow from here...
Chapter 13 Bankruptcy Filing Long Island
Check this before you assume anything. Since April 1, 2025, a Chapter 13 bankruptcy filing on Long Island can include up to $526,700 in unsecured debt, like credit cards and medical bills, and $1,580,125 in secured debt, like a mortgage. The temporary $2,750,000 combined cap that ran from 2022 to mid-2024 is gone, and some websites still show the older, lower numbers.
Mortgages here run large, so that split matters. Whether you fit comes down to your actual balances, not a guess. We run your numbers in the free consultation, so you know where you stand before you decide anything.
Chapter 13 Lawyer Long Island
Filing is the easy part. From 2021 to 2024, about 50.4% of Chapter 13 plans were completed, and most dismissals happen soon after filing. A plan that fits your budget matters more than a fast petition.
We start with your real numbers: the mortgage, the property taxes, the car, the medical bills. Then we prepare your petition, point you to the required credit counseling course, and prepare you for the creditors' meeting. Whether you live in Hauppauge, Great Neck, Glen Cove or Oceanside, you work with the same team, with foreclosure defense and creditor negotiation under one roof.
Chapter 13 Attorney Long Island
Have a question about your situation? Start with a conversation.
Ask our teamOften, yes. The moment we complete your Chapter 13 bankruptcy filing, the automatic stay takes effect and a pending foreclosure sale in Nassau or Suffolk County has to stop. Your missed mortgage payments then fold into the repayment plan, and you get up to five years to catch up while keeping the house. The catch is that you have to stay current on your new mortgage payments and your plan payment. If you already have a sale date on the calendar, don't wait. Call 516-246-5577 and tell us the date.
As of April 1, 2025, you can have up to $526,700 in unsecured debt and $1,580,125 in secured debt. Only debts that are not contingent and have a set amount count toward those caps. For Long Island homeowners, the secured number is the one to watch, because mortgage balances here run high and the old combined cap is gone. You also need regular income, which includes self-employment, and a credit counseling course from an approved agency within 180 days before filing. We can check your actual balances in one conversation.
Chapter 13 exists so you don't have to. In Chapter 7, certain non-exempt assets can be sold. A Chapter 13 plan lets you keep your property while you pay creditors over time. That's why it often suits Long Island homeowners with real equity in a home, a car they need to get to work, or income that's too high for Chapter 7. Property taxes and living costs here are heavy, and we build your plan around them. Keeping your property depends on staying current with the plan, and we walk through your specific assets in the free consultation.
Plans run three to five years, and no plan can go past five. If your income is below the New York median, the plan is generally three years unless the court approves longer. If it's above the median, five years is usually required. You don't always repay every dollar. Some plans pay unsecured creditors in full, while others pay only a portion, depending on your income, your assets and what the law requires. Chapter 13 debt relief is a structured repayment, not a wipe-out, and we explain which kind of plan you're looking at.
Missed payments put the case at risk, and if it's dismissed, the protection from creditors ends. Only about half of Chapter 13 plans are completed, which is why we don't rush anyone into one. We build the payment around your real income and expenses, so it holds up when life gets expensive. If your situation changes mid-plan, such as a job loss, a medical bill or a car repair, call us before you fall behind. There may be options, and the earlier we hear about it, the more we can usually do.
Fees depend on your case, and we won't throw out a number before we've seen your situation. What we can promise is a free, confidential first consultation at our Huntington office, where we go over your debts, income and assets and explain how our fees work so there are no surprises later. Clients have told us we were upfront about the process and the cost from day one. For Chapter 13 bankruptcy help on Long Island, call 516-246-5577. We're open Monday through Friday from 8:30am to 5:30pm, with weekends by appointment.