Chapter 7 Bankruptcy Long Island

Stop Creditor Harassment Today

Get immediate relief from debt collectors and protect your assets with experienced Chapter 7 bankruptcy representation on Long Island.

Why Long Island Trusts Us

Licensed New York Attorney

Direct representation from an experienced bankruptcy attorney, not paralegals or inexperienced staff.

Local Court Experience

Extensive experience filing Chapter 7 cases in Nassau and Suffolk County courts with strong success rates.

Asset Protection Focus

Expert knowledge of New York exemptions to help you keep your home, car, and retirement accounts.

Chapter 7 Bankruptcy Attorney

Fresh Start Without Losing Everything

Chapter 7 bankruptcy gives you a clean slate by discharging most of your unsecured debts in just 3-4 months. You can eliminate credit card debt, medical bills, and personal loans while keeping your home, car, and other essential assets through New York’s generous exemption laws.

The process stops creditor harassment immediately through an automatic stay. No more threatening phone calls, wage garnishments, or sleepless nights worrying about debt collectors. You’ll have the breathing room you need to rebuild your financial future.

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Chapter 7 Debt Relief Benefits

What You Get With Chapter 7

Immediate protection from creditors and a clear path to eliminate overwhelming debt permanently.

All creditor calls, letters, and collection actions stop the day we are able to file your case.

Keep your home through New York's $170,825 homestead exemption for most Long Island residents.

Discharge credit card debt, medical bills, and personal loans completely in 3-4 months.

Stop wage garnishments and bank account levies that are draining your paycheck.

Protect your retirement accounts, car, and household goods through bankruptcy exemptions.

Start rebuilding your credit immediately after discharge instead of struggling for years.

Our Client Testimonials

Atelier WM
Atelier WM
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!
Juan Pacheco
Juan Pacheco
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.
Sophia Siagris
Sophia Siagris
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!!!
Kathleen Csillag
Kathleen Csillag
Amanda was extremely attentive and followed up on everything promptly. The law firm was professional and courteous and I highly recommend it.
Joseph Plonski
Joseph Plonski
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.
Joseph Plonski
Joseph Plonski
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.
Joe Joseph
Joe Joseph
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.
Monisha Mapp
Monisha Mapp
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.
Melissa Caron
Melissa Caron
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.
Alyssa S
Alyssa S
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.
Meghan Conley
Meghan Conley
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!
Joey Banga
Joey Banga
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.
Navada NTHW
Navada NTHW
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...
A person in a suit sits at a desk typing on a keyboard, immersed in civil litigation. In the foreground, a gavel rests on a wooden block, while a set of scales is slightly blurred in the background.

File Chapter 7 Bankruptcy

Most Debt Disappears in 90 Days

Chapter 7 is the fastest way to eliminate debt legally. Unlike Chapter 13 which requires years of payments, Chapter 7 wipes out most unsecured debts in about 90 days after filing. You’ll attend one brief meeting with the trustee, and then wait for your discharge.

The key is qualifying for Chapter 7 through the means test. Most Long Island families earning under the median income automatically qualify. Even if you earn more, we can often get you qualified by calculating your actual monthly expenses and deductions properly.

Chapter 7 Bankruptcy Filing

We Handle All the Paperwork

Filing Chapter 7 requires extensive documentation and precise legal forms. One mistake can delay your case or cost you exempt property. We prepare all bankruptcy schedules, statements, and required documents to ensure everything is filed correctly the first time.

You’ll provide us with information about your income, expenses, assets, and debts. We handle the complex legal requirements, calculate your exemptions, and make sure you’re positioned to keep maximum property while discharging maximum debt. The process is straightforward when you have experienced guidance.

Two people are seated at a table, engaged in discussion. Legal items like a gavel, scales, and an open document are visible, suggesting a professional meeting with a focus on litigation. One person gestures while the other holds a pen, ready to write or sign.

Chapter 7 Bankruptcy Process

Simple Steps to Financial Freedom

Free Consultation

We review your debts, income, and assets to confirm Chapter 7 is right for you.

File Your Case

We prepare and file all required documents, triggering immediate creditor protection through automatic stay.

Get Your Discharge

After one brief trustee meeting, you receive your discharge eliminating most debts in 90 days.

Frequently Asked Questions

Most Long Island homeowners keep their homes in Chapter 7 bankruptcy. New York’s homestead exemption protects up to $170,825 of home equity for most residents. If you’re current on your mortgage and your equity falls within the exemption limits, you can continue making payments and keep your house. We’ll calculate your exact equity position and exemption eligibility during your consultation to give you a definitive answer about protecting your home.

A typical Chapter 7 case takes about 3-4 months from filing to discharge. The automatic stay protecting you from creditors begins immediately when we file your case. You’ll attend one meeting of creditors about 30 days after filing, which usually lasts 5-10 minutes. The court then issues your discharge eliminating your debts about 60-90 days later. This timeline can vary slightly based on court schedules and case complexity, but most clients receive their fresh start within four months.

Chapter 7 eliminates most unsecured debts including credit cards, medical bills, personal loans, deficiency balances from repossessed cars, old utility bills, and collection accounts. You cannot discharge recent taxes, student loans, child support, alimony, or debts from fraud. Secured debts like mortgages and car loans aren’t discharged, but you can choose to keep the property and continue payments or surrender it without owing any deficiency balance.

Yes, having a job doesn’t disqualify you from Chapter 7 bankruptcy. The means test compares your household income to New York’s median income levels. If you earn less than the median, you automatically qualify. If you earn more, we calculate your actual monthly expenses including housing, transportation, food, and other necessities. Many working families qualify because their necessary living expenses reduce their disposable income below the threshold required for Chapter 7 eligibility.

Chapter 7 bankruptcy appears on your credit report for 10 years, but your credit score can improve much sooner. Many clients see their scores increase within 12-18 months after discharge because they’ve eliminated debt and improved their debt-to-income ratio. You can typically qualify for a car loan within a year and a mortgage within 2-3 years. The key is rebuilding credit responsibly after bankruptcy rather than continuing to struggle with overwhelming debt that can prevent any credit improvement.

Our Chapter 7 bankruptcy fee includes all attorney services, document preparation, court filing, and representation at your meeting of creditors. We offer payment plans so you don’t need to pay everything upfront. The total cost is typically much less than what you’d pay continuing to make minimum payments on dischargeable debts. During your free consultation, we’ll provide exact pricing and explain payment options that work with your budget while you’re getting back on your feet financially.

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