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When you file for bankruptcy, the automatic stay kicks in immediately. That means creditor calls stop, wage garnishments end, and foreclosure proceedings halt while we work out your solution.
Chapter 7 bankruptcy can eliminate most of your unsecured debt completely—credit cards, medical bills, personal loans. You keep essential assets like your home, car, and retirement accounts while getting rid of the debt that’s been crushing you.
Chapter 13 bankruptcy lets you catch up on mortgage payments over three to five years while stopping foreclosure. You’ll have a manageable payment plan that fits your budget, and at the end, remaining unsecured debt gets discharged. Your home stays yours, and you rebuild your financial foundation on solid ground.
The Frank Law Firm P.C. has been helping Bellerose families navigate financial crises and get back on their feet. We understand the local courts, the trustees, and exactly how to position your case for the best possible outcome.
You’re not just another case number here. We take time to understand your specific situation—whether you’re facing foreclosure, dealing with medical debt, or struggling after job loss. Every case gets personal attention because we know how much this matters to you and your family.
We’ve seen every type of financial situation, and we know there’s always a path forward. Our job is finding the right solution for your circumstances and walking you through each step until you’re back in control of your finances.
First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 makes more sense for your situation, and you’ll leave knowing exactly what to expect.
Next, we gather your financial documents and prepare your bankruptcy petition. This includes all your debts, assets, income, and expenses. We handle the paperwork and make sure everything’s filed correctly with the bankruptcy court.
Once we file, the automatic stay goes into effect immediately. Creditors must stop all collection activities, and we’ll deal with any issues that come up. You’ll attend a meeting of creditors where the trustee asks basic questions about your finances—we’ll prepare you for this and be right there with you.
For Chapter 7, most cases are complete within four to six months. Chapter 13 involves a payment plan, but you get immediate protection and a clear path to financial recovery. Either way, you’ll know exactly where you stand and what comes next.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense when you need to buy time or explore alternatives to bankruptcy. Every case includes a thorough review of your finances to make sure bankruptcy is your best option.
Our foreclosure defense services can stop or delay foreclosure proceedings while we work out a solution. Sometimes that means filing bankruptcy, other times we can negotiate loan modifications or payment plans directly with your lender.
If you’re dealing with wage garnishments, bank levies, or aggressive debt collectors, we can stop those actions quickly. The automatic stay in bankruptcy is powerful protection, but we also know how to deal with creditors outside of bankruptcy when that makes more sense.
You’ll get honest advice about what bankruptcy can and can’t do for your situation. We don’t push you toward filing if there’s a better solution, and we don’t sugar-coat the process. You’ll know exactly what to expect, what it costs, and how long it takes.
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