Eastern District Court Experience
We have handled hundreds of bankruptcy cases in the Eastern District of New York and know its local trustees personally.
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71 New Street, Huntington, NY 11743
Our Long Island Chapter 7 bankruptcy lawyer listens first, then explains your options plainly. Call 516-246-5577 for a free consultation.
Long Island Chapter 7 Attorney
Chapter 7 bankruptcy is the most common way for individuals to clear credit card debt, medical bills and personal loans. A trustee reviews what you own, sells only what New York law doesn't protect, and your qualifying debts are discharged. Most cases wrap up in about three to four months.
If you live in Nassau or Suffolk County, your Chapter 7 bankruptcy filing goes to the U.S. Bankruptcy Court for the Eastern District of New York, which sits in Central Islip. We handle the paperwork, deal with the trustee and creditors, and tell you honestly whether Chapter 7 is the right move for your situation.
Long Island Chapter 7 Debt Relief
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 7 Lawyer Nassau Suffolk
A lot of people on Long Island rule themselves out before they ever talk to a Chapter 7 bankruptcy attorney. They figure the paycheck is too big. The means test compares your household income to the New York median for your family size, and those figures are updated about twice a year, so we use current numbers instead of guessing.
If you're over the median, a second calculation looks at your allowable expenses. With housing and living costs where they are in Nassau and Suffolk, that step can change the answer. We run it for you, whether you're in Lynbrook, Hauppauge or Selden, and you hear the result in plain English.
Chapter 7 Attorney for Homeowners
The fear we hear most from Long Island homeowners is losing the house. New York's homestead exemption is tiered by county, and Nassau and Suffolk sit in a higher tier than upstate. Many homeowners keep their home through a Chapter 7 bankruptcy filing. Your equity and where you stand on the mortgage decide it, and we check both before you file anything.
If you're behind on the mortgage, Chapter 7 alone may not end a foreclosure, and Chapter 13 can be the better tool. Because we also handle foreclosure defense and litigation, our Chapter 7 lawyer team looks at the whole picture, including a lawsuit that's already been filed against you.
Chapter 7 Filing on Long Island
Have a question about your situation? Start with a conversation.
Ask our teamThe court charges a $338 filing fee for Chapter 7 bankruptcy. On top of that are attorney fees, which vary with how complicated your case is, such as whether you own a home, run a business or have already been sued. We don't believe in vague fee quotes, so we go over the full cost at your free consultation before you decide anything. If you're calling a Chapter 7 bankruptcy attorney in Nassau or Suffolk County, ask every firm for the all-in number, and expect a straight answer from us.
Qualifying comes down to the means test. It compares your household income to the New York median for your family size, and those figures are updated about twice a year, so we pull the current numbers instead of relying on a chart you saw online. If you're above the median, you're not automatically out. A second calculation counts your allowable living expenses, which matters on Long Island, NY, where housing costs run high. Many people who assume they earn too much for Chapter 7 debt relief find out otherwise. We run the numbers with you at the free consultation.
Often, no. New York lets you protect equity in your home, your car, retirement accounts and everyday belongings using state or federal exemptions, and the homestead exemption is higher in Nassau and Suffolk than upstate. Chapter 7 is called a liquidation bankruptcy because a trustee can sell property that isn't protected, but many cases turn out to be no-asset cases where nothing is sold. The risk comes with large equity or a mortgage that's behind. We check your numbers against the exemptions before you file, and if Chapter 13 would protect you better, we say so.
Most Chapter 7 cases wrap up in about three to four months. You complete credit counseling before filing, we file your petition with the U.S. Bankruptcy Court for the Eastern District of New York, which serves Nassau and Suffolk, and you attend one short meeting of creditors with the trustee. That's the only appearance most people make. It isn't a courtroom trial. We prepare you for the questions ahead of time and handle communication with the trustee and your creditors, so you're never left guessing what comes next.
Student loans, child support and certain taxes generally survive Chapter 7. A discharge isn't absolute, and the law leaves some debts in place. Credit card debt, medical bills and most personal loans are usually the ones that go away. If your biggest worry is a debt that may not be erased, tell us at the consultation. We'll say whether Chapter 7 bankruptcy still makes sense for you, whether Chapter 13 handles it better, or whether another debt relief option works. You should hear that now, not after you've filed.
You're allowed to file on your own, but it's a risky way to do it. Chapter 7 involves the means test, exemption choices, strict deadlines for forms and a trustee who reviews everything. Miss a deadline or list something wrong and your case can be dismissed. A Chapter 7 lawyer on Long Island, NY who has handled hundreds of Eastern District cases knows what local trustees expect and helps you avoid mistakes that are hard to undo. Call 516-246-5577 and we'll talk it through with no pressure.