Get immediate creditor protection and expert guidance through bankruptcy with a local attorney who understands your situation.
Hear from Our Customers
You wake up without that knot in your stomach. No more screening calls from unknown numbers. No more panic when opening the mail.
The automatic stay kicks in the moment we file your case. Creditors must stop calling immediately. Wage garnishments end. Foreclosure proceedings halt.
Within months, you’ll have either eliminated most of your unsecured debt through Chapter 7 or established a manageable payment plan through Chapter 13. Your credit starts rebuilding faster than you think. Most clients see their scores improve within 12-18 months because they’re no longer carrying overwhelming debt loads.
The Frank Law Firm P.C. has been helping Queens and Nassau County residents navigate financial crises for years. We understand the local bankruptcy courts, trustees, and procedures that affect your case outcome.
You’re not getting a one-size-fits-all approach here. We know New York’s exemption laws inside and out, which means we can often protect more of your assets than you expect. Your home, car, retirement accounts, and personal belongings typically stay with you.
We’ve seen every type of financial situation. Medical debt, job loss, divorce, business failure – there’s no judgment here, just practical solutions.
We start with a free consultation where you bring your bills, income information, and asset details. We’ll determine whether Chapter 7 or Chapter 13 makes more sense for your situation.
Chapter 7 typically takes 3-4 months and eliminates most unsecured debts completely. Chapter 13 creates a 3-5 year payment plan based on what you can actually afford, often for pennies on the dollar.
Once we file, the automatic stay goes into effect immediately. We handle all communication with creditors and trustees. You attend one brief meeting of creditors, which we prepare you for completely. Most clients find it much less intimidating than expected.
After discharge, you keep the assets we’ve protected and start fresh without the debt burden that was crushing you.
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We handle both Chapter 7 liquidation and Chapter 13 reorganization cases. If you’re behind on your mortgage, Chapter 13 lets you catch up on missed payments over time while keeping your home.
Our foreclosure defense work often buys you months of additional time in your home while we negotiate loan modifications or prepare your bankruptcy filing. We know how to challenge improper foreclosure procedures and documentation errors.
You’ll get a detailed analysis of your debts, assets, and income to determine the best strategy. We explain New York’s generous exemptions that let you keep your home equity, car, retirement accounts, and personal belongings.
Every case includes thorough preparation for your meeting of creditors and ongoing support through discharge. We also provide credit rebuilding guidance so you can start improving your financial picture immediately.