Chapter 7 & 13 Bankruptcy Lawyers in Garden City, NY
Consumer Bankruptcy for Clients in Nassau & New York Counties
At Snider Law PLLC, we guide individuals, families, and business owners through the complex bankruptcy process. Our firm provides strategic, personalized counsel for both Chapter 7 and Chapter 13 filings, helping clients pursue a fresh financial start with clarity, confidence, and compassion. We know that making these decisions can feel overwhelming, so we work closely with you to help you choose the path that supports your needs and long-term goals.
Our team follows updates in New York bankruptcy law, including the specific rules that apply to residents of Garden City and Nassau County. We explain how local income thresholds, area exemption rules, and the requirements of the Central Islip Bankruptcy Court may affect your filing. Our tech-forward approach streamlines every step of your bankruptcy process while ensuring you always have direct access to your Chapter 7 bankruptcy attorney in Garden City for clear communication.
Discuss your financial situation with our Garden City Chapter 7 & 13 bankruptcy attorney. Call (646) 904-4497 or reach us online. We offer our services in Spanish and Portuguese.
The Chapter 7 Bankruptcy Process in Garden City, NY
Understanding the process helps you move forward with confidence. If you decide to file for Chapter 7 bankruptcy in Garden City, the first step involves a detailed financial review. We guide you through organizing income statements, debt records, and asset lists according to the guidelines set by courts serving Nassau County. After you file your petition at the Central Islip Bankruptcy Court, the court issues an automatic "stay" that stops collection calls, garnishments, and pending lawsuits. A trustee then schedules a meeting, known as the 341 meeting, where you answer questions about your financial situation.
Throughout the case, Snider Law PLLC relies on straightforward communication and user-friendly technology, giving you transparency regarding upcoming deadlines and requirements. The court’s local procedures determine certain hearing dates and procedural steps that may differ from other counties. We explain these local differences so you know what timelines apply and how to respond if creditors request more documentation. Once you complete every required step, the court typically discharges eligible debts within several months, giving you the foundation to rebuild your finances.
Real Clients. Real Stories. Real Results.
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“Highly Recommend!”
“John is thorough, trustworthy, straight to the point, and your number one advocate.”- Satisfied Client -
“Above and Beyond!”
“John was a pleasure to work with - knowledgeable and quick to answer all my questions.”- Jessica P. -
“Responsive & Knowledgeable”
“He kept us on track through our whole home buying experience and answered ALL of my inquiries.”- Victoria M. -
“Highly Recommend”
“Mr. Snider is highly in tune with residential real estate laws and procedures.”- Chris H. -
“Stress-Free Experience”
“Working with John was an absolute pleasure. He is reliable, trustworthy, and truly puts his clients first.”- Christian C. -
“Amazing Experience”
“John negotiated my deal with professionalism, while keeping my best interests in mind at all times.”- Jeeva S.
Chapter 7 Bankruptcy: A Clean Slate Through Liquidation
Chapter 7 bankruptcy, often called liquidation bankruptcy, helps individuals or small business owners with limited income who are unable to repay unsecured debts, including credit card balances, personal loans, or medical bills. This process typically moves faster than other bankruptcy types and may result in the discharge of qualifying debts within a few months.
To qualify for Chapter 7, you must pass the means test, which compares your income to the median for your geographical area. If you meet eligibility, a court-appointed trustee may sell any non-exempt assets to repay creditors. However, New York’s exemption laws allow many clients to keep most or all of their property.
Those filing in Garden City submit their petition to the Central Islip Bankruptcy Court, following procedures set by the Eastern District of New York. Because local income medians can affect the outcome, we review your paperwork for accuracy and ensure your application aligns with county requirements. We also advise you on exemptions under New York law, including homestead protections for Nassau County homeowners and personal property safeguards.
Chapter 7 offers a solution for clients who face mounting unsecured debt and have little or no disposable income. Once you file, an automatic stay stops collection efforts, wage garnishments, and lawsuits right away. At Snider Law PLLC, we evaluate your entire financial situation and go over the implications so you can make decisions confidently.
Chapter 13 Bankruptcy: A Structured Path to Debt Relief
Chapter 13 bankruptcy lets individuals with regular income reorganize their debt into a repayment plan that usually lasts three to five years. This approach fits clients who do not qualify for Chapter 7, are behind on mortgage or car payments, or want to protect important assets from foreclosure or repossession.
Unlike Chapter 7, Chapter 13 does not involve selling your assets. Instead, you propose a court-approved repayment plan that reflects your income, expenses, and total debts. After you complete the plan, remaining eligible debts might be discharged.
Chapter 13 stops foreclosures and repossessions, giving you extra time to catch up on missed payments while keeping your property. Many choose this option if they have home equity, earn too much for Chapter 7, or need to better manage tax debts, student loans, or domestic support obligations.
When you file for Chapter 13 bankruptcy in Nassau County, the location of the Central Islip Bankruptcy Court determines deadlines and the approval process. We clarify the steps from your first filing to the confirmation of your repayment plan. Our understanding of the preferences of local court trustees helps you handle procedures and minimize delays.
We work closely with you to design a repayment plan that fits court requirements and supports your long-term financial recovery. Our tech-enabled process simplifies document sharing and keeps communications efficient and secure.
