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Get immediate protection from creditors and a clear path to financial freedom with experienced bankruptcy representation.
Hear from Our Customers
The phone stops ringing. Your wages stay in your paycheck. You sleep through the night without wondering which bill to pay first.
That’s what happens when you file bankruptcy with proper legal guidance. Chapter 7 can eliminate credit card debt, medical bills, and personal loans in just a few months. Chapter 13 lets you keep your home while creating a manageable payment plan for what you owe.
You’re not just getting rid of debt. You’re getting your life back. No more choosing between groceries and the electric bill. No more avoiding the mailbox or letting calls go to voicemail.
The Frank Law Firm P.C. has helped hundreds of Rockaway Beach families navigate bankruptcy and debt relief. We understand the unique financial challenges facing our coastal community, from seasonal employment gaps to hurricane recovery costs.
Our firm focuses exclusively on bankruptcy and debt relief law. We know the local trustees, understand the exemptions that protect your property, and can guide you through every step of the process.
You don’t need to figure this out alone. We’ve been serving Rockaway Beach residents for years, and we know exactly how to protect what matters most to you.
First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation, or if there’s another debt relief option that works better.
Next, we prepare and file your bankruptcy petition. This immediately triggers the automatic stay, which stops all collection calls, wage garnishments, and foreclosure proceedings. Your creditors must deal with us, not you.
Then we guide you through the required credit counseling, help you prepare for the meeting of creditors, and handle all communication with the bankruptcy trustee. Most Chapter 7 cases are complete within four months. Chapter 13 cases involve a 3-5 year payment plan, but you keep your assets and catch up on missed payments over time.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense for homeowners facing the loss of their property. Our services include reviewing all your debts to determine what can be eliminated, protecting exempt assets like your primary residence and retirement accounts, and negotiating with creditors when appropriate.
Many Rockaway Beach residents don’t realize how much property they can keep in bankruptcy. New York’s exemption laws protect your home equity up to certain limits, your car, household goods, and retirement savings. We make sure you understand exactly what’s protected before you file.
We also offer foreclosure defense services for homeowners who want to fight the foreclosure process or buy time to explore other options. Sometimes bankruptcy isn’t the right answer, and we’ll tell you that honestly during your consultation.
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