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The phone stops ringing. You sleep through the night without worrying about losing your house. Your paycheck actually covers your bills instead of disappearing into a black hole of minimum payments.
That’s what happens when you file for bankruptcy with proper legal guidance. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in as little as four months. Chapter 13 bankruptcy lets you keep your home while creating a manageable payment plan based on what you actually earn, not what creditors demand.
You’re not stuck. The constant stress of choosing between groceries and mortgage payments doesn’t have to be your reality. Bankruptcy exists specifically to give people like you a genuine fresh start when debt becomes impossible to manage.
The Frank Law Firm P.C. focuses specifically on bankruptcy and debt relief cases for New York families. We’ve guided hundreds of clients through both Chapter 7 and Chapter 13 proceedings, and we understand exactly how the local courts handle these cases.
You work directly with an experienced bankruptcy attorney, not a paralegal or assistant. We know which exemptions protect your property under New York law, how to handle complex asset situations, and what actually happens at each step of the process.
We’ve been helping Laurelton residents eliminate overwhelming debt and stop foreclosure proceedings for years. When you’re dealing with financial crisis, you need someone who knows the system inside and out.
First, we review your complete financial situation during a consultation. We look at your income, expenses, debts, and assets to determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your circumstances.
Once we file your petition, the automatic stay goes into effect immediately. This legally stops all collection calls, wage garnishments, and foreclosure proceedings. Creditors cannot contact you directly anymore – they have to go through us.
For Chapter 7, you’ll attend a meeting of creditors about 30 days after filing, then receive your discharge in 3-4 months. Chapter 13 involves creating a 3-5 year repayment plan that the court approves. Throughout the entire process, we handle all communication with creditors, trustees, and the court so you can focus on rebuilding your financial foundation.
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We handle every aspect of your bankruptcy case from initial filing through final discharge. This includes preparing all required documentation, representing you at the meeting of creditors, responding to any trustee requests, and ensuring your case moves through the court system efficiently.
You get direct access to your attorney throughout the process, not just during the initial consultation. We explain what’s happening at each stage so you understand exactly where your case stands and what to expect next.
Our service also includes foreclosure defense when needed. If you’re behind on mortgage payments, we can often negotiate with lenders while your bankruptcy case is pending, giving you time to catch up or modify your loan terms. Many Laurelton families have been able to keep their homes this way when they thought foreclosure was inevitable.
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