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Hear from Our Customers
You sleep through the night without jumping at every phone ring. Your paycheck stays in your account instead of getting garnished. The foreclosure notice stops haunting your mailbox.
This is what happens when you use bankruptcy law the way it was designed – as a financial tool, not a failure. You get space to breathe, plan, and rebuild without the constant pressure of creditors demanding money you don’t have.
The automatic stay kicks in the moment we file your case. Collection calls stop. Wage garnishments end. Foreclosure proceedings freeze. You finally get the breathing room you need to figure out your next steps, whether that’s eliminating debt completely through Chapter 7 or creating a manageable payment plan through Chapter 13.
We at The Frank Law Firm P.C. have been helping Ozone Park families navigate financial crises for years. We understand the unique challenges facing our community – from medical debt that spiraled out of control to job losses that turned manageable payments into impossible burdens.
You’re not getting a downtown firm that charges Manhattan prices for Queens problems. You’re working with attorneys who know the local bankruptcy court, understand New York’s exemption laws, and have guided hundreds of neighbors through this exact situation.
We speak your language – literally and figuratively. Our team provides services in multiple languages because we know that understanding your options shouldn’t depend on perfect English.
First, we sit down for a free consultation to review your debts, income, and assets. No judgment, no pressure – just an honest assessment of whether bankruptcy makes sense for your situation. We’ll explain the difference between Chapter 7 and Chapter 13 so you understand your options.
If bankruptcy is the right move, we handle all the paperwork and filing requirements. You’ll need to gather some financial documents, but we guide you through exactly what’s needed. The moment we file, that automatic stay goes into effect and your creditors have to back off.
Next comes the meeting of creditors – sounds scarier than it is. It’s usually a brief meeting where the trustee asks basic questions about your finances. We prepare you for what to expect and attend with you.
For Chapter 7 cases, most people receive their discharge in about four months. Chapter 13 involves a payment plan that typically runs three to five years, but you keep your assets and catch up on things like mortgage payments over time.
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Every bankruptcy case includes complete preparation and filing of your petition, schedules, and required documents. We handle all communication with creditors, the trustee, and the court. You get representation at your meeting of creditors and any additional hearings that might come up.
We also provide pre-filing credit counseling coordination and post-discharge financial management course assistance – both required by law but easy to overlook. Our fee includes reviewing your case for potential issues before filing, so you don’t get surprised later.
For Chapter 13 cases, we draft your payment plan and handle any modifications needed if your circumstances change. For Chapter 7, we make sure you’re using all available exemptions to protect your assets under New York law.
You also get ongoing support throughout the process. Questions come up, and we’re here to answer them. This isn’t a mill operation where you file and disappear – we stay with you from consultation through discharge.
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