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Immediate protection from collections, foreclosure, and wage garnishments with experienced bankruptcy representation in Beech Croft.
Hear from Our Customers
You’re drowning in debt that keeps growing no matter how hard you try. Medical bills from that unexpected surgery. Credit cards you used to keep the lights on when work was slow. The mortgage that’s three months behind because everything else took priority.
Here’s what changes when you file for bankruptcy protection. The phone stops ringing with collection calls. Your wages stay in your paycheck instead of going to garnishments. You sleep through the night without worrying about losing your home.
Chapter 7 bankruptcy eliminates most of your unsecured debts in about four months. Chapter 13 lets you keep your house while you catch up on payments over three to five years. Both options give you the automatic stay protection that stops all collection activities the moment we file your case.
The Frank Law Firm P.C. has been helping Beech Croft families navigate financial crises for years. We understand the local economy, the challenges facing working families in our community, and how to work effectively with the bankruptcy courts serving our area.
You won’t get shuffled between paralegals or junior attorneys. When you work with us, you get direct access to experienced legal counsel who knows bankruptcy law inside and out. We’ve guided hundreds of clients through both Chapter 7 and Chapter 13 cases, protecting their homes and giving them the fresh start they needed.
Your bankruptcy case starts with a free consultation where we review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. No pressure, no sales pitch – just honest advice about your options.
Once you decide to move forward, we prepare and file your bankruptcy petition with the court. This immediately triggers the automatic stay, which stops all collection activities, foreclosure proceedings, and wage garnishments. Your creditors must deal with us instead of harassing you.
You’ll attend one meeting with the bankruptcy trustee, which typically lasts about 10 minutes. We’ll be there with you to handle any questions. After that, you complete a brief financial management course, and your case moves toward discharge. Most Chapter 7 cases finish in three to four months.
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We handle every aspect of your bankruptcy case from start to finish. This includes reviewing your financial situation, determining the best chapter for your needs, preparing all required paperwork, and representing you throughout the process. You get experienced legal counsel, not a document preparation service.
Our foreclosure defense services can buy you time if you’re behind on mortgage payments. We’ll challenge improper foreclosure procedures and negotiate with lenders while you explore your options. Sometimes we can save your home. Other times, we help you transition out on your terms instead of facing an eviction.
We also provide guidance on rebuilding your credit after bankruptcy. Most clients see their credit scores improve within 12 to 18 months because they no longer have overwhelming debt dragging down their scores.
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