Call Now: 516-246-557724/7 Emergency Services
Stop the calls, save your home, and start fresh with a bankruptcy lawyer who knows Long Island.
Hear from Our Customers
The phone stops ringing. No more collection letters in your mailbox. No more lying awake at night wondering how you’ll pay next month’s bills.
When you file for bankruptcy, the automatic stay kicks in immediately. Creditors have to stop calling. Wage garnishments end. Foreclosure proceedings halt while you figure out your next move.
Most people don’t realize how fast Chapter 7 works. In three to four months, you can eliminate credit card debt, medical bills, and other unsecured obligations completely. Chapter 13 gives you up to five years to catch up on your mortgage while protecting your home from foreclosure. You keep your retirement accounts, your car, and the things you actually need to live and work.
The Frank Law Firm P.C. has been helping Rocky Point and Suffolk County families navigate financial crises for years. We understand what it costs to live on Long Island – the property taxes, the commute, the everyday expenses that add up faster than anywhere else.
This isn’t a high-volume bankruptcy mill. When you work with us, you get direct access to an attorney who knows the Eastern District of New York bankruptcy court system inside and out. We’ve seen how medical emergencies, job losses, and business failures can devastate good people who never expected to need a bankruptcy lawyer.
We handle both Chapter 7 liquidation cases and Chapter 13 reorganization plans, depending on what makes sense for your specific situation.
First, you’ll sit down for a free consultation where we review your debts, income, and assets. No judgment, just facts. We’ll determine whether Chapter 7 or Chapter 13 makes more sense for your situation, or if there’s another way to handle your debt.
Once you decide to move forward, we prepare and file your bankruptcy petition with the court. The automatic stay goes into effect immediately – creditors must stop all collection activities the moment your case is filed. We handle the paperwork, the creditor matrix, and all the technical requirements.
About a month later, you attend a meeting of creditors. It’s not in a courtroom, and it’s usually brief. The trustee asks basic questions about your finances. Most creditors don’t even show up. In Chapter 7 cases, you typically receive your discharge three months after this meeting. Chapter 13 cases involve a payment plan that we’ll help you manage throughout the process.
Ready to get started?
When you hire The Frank Law Firm for bankruptcy representation, you get complete case management from start to finish. This includes preparing all required documents, filing your petition, handling creditor communications, and representing you at the meeting of creditors.
Rocky Point residents often face unique challenges with high property values and taxes. We help you understand New York’s bankruptcy exemptions and how to protect your home equity, retirement accounts, and other assets. If you’re behind on your mortgage, we can explore Chapter 13 options to stop foreclosure and create a manageable payment plan.
We also handle foreclosure defense for homeowners who aren’t ready to file bankruptcy but need time to explore their options. Sometimes fighting the foreclosure gives you breathing room to negotiate a loan modification or short sale. Every situation is different, and the approach depends on your specific goals and circumstances.
Local Resources