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Get immediate protection from creditors and a clear path to financial freedom with experienced bankruptcy representation.
Hear from Our Customers
The phone stops ringing with collection calls. Your paycheck stays in your account instead of going to garnishments. You sleep through the night without worrying about losing your house.
Filing for bankruptcy isn’t about failure—it’s about using the legal system exactly as it was designed. You get immediate protection through the automatic stay, which stops all collection activities the moment your case is filed. Creditors can’t call, can’t sue, can’t take your wages.
Most of your unsecured debt disappears completely. Credit cards, medical bills, personal loans—gone. You keep your house, your car, and the things you actually need. Within months, you’re rebuilding credit instead of drowning in payments you can’t afford.
The Frank Law Firm P.C. has been helping Long Island families navigate financial crisis for years. We understand the local court system, work with the same trustees regularly, and know exactly how to protect your assets under New York law.
You’re not getting a cookie-cutter approach here. Every case is different, and we take the time to understand your specific situation before recommending Chapter 7 or Chapter 13. Most people have more options than they realize.
We’ve seen every type of financial situation—job loss, medical bills, divorce, business failure. There’s no judgment here, just practical solutions that actually work.
First, we meet for a consultation to review your debts, income, and assets. This determines whether Chapter 7 or Chapter 13 makes more sense for your situation. Chapter 7 eliminates most debts in about four months. Chapter 13 creates a manageable payment plan over three to five years.
Once we file your petition, the automatic stay kicks in immediately. All collection activity stops that day. No more calls, no more lawsuits, no more wage garnishments. You get breathing room while we handle the legal process.
You’ll attend one meeting with the bankruptcy trustee—it’s usually 15 minutes of basic questions about your paperwork. We prepare you for exactly what to expect. Most cases proceed smoothly from there, with debt discharge happening on schedule.
The entire process is designed to give you a fresh start, not punish you for past financial problems.
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Beyond bankruptcy filing, we handle foreclosure defense to protect your home. Sometimes bankruptcy alone stops foreclosure. Other times, we need to negotiate loan modifications or challenge improper foreclosure procedures. We use every available tool.
Our debt relief services include analyzing which debts can be discharged, which must be paid, and how to structure everything for the best outcome. Student loans, tax debts, and child support have special rules—we make sure you understand exactly what happens to each debt.
You also get guidance on rebuilding credit after bankruptcy. Most people can qualify for new credit cards within months and car loans within a year. We show you the specific steps to restore your credit score quickly and responsibly.
We handle all the paperwork, court filings, and communication with creditors. Your job is to focus on moving forward, not managing the legal process.
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