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Get immediate relief from debt collectors and protect your home with experienced Springfield Gardens bankruptcy representation.
Hear from Our Customers
When you file for bankruptcy, the automatic stay kicks in immediately. That means creditor calls stop, wage garnishment ends, and foreclosure proceedings halt while you get back on your feet.
You’re not just eliminating debt—you’re reclaiming your peace of mind. No more sleepless nights wondering how you’ll pay next month’s bills. No more avoiding phone calls or hiding from the mail carrier.
Chapter 7 bankruptcy can wipe out credit card debt, medical bills, and other unsecured obligations in as little as four months. Chapter 13 lets you keep your home while creating a manageable payment plan. Either way, you keep essential assets like your car, work tools, and household items while getting the fresh financial start you need.
The Frank Law Firm P.C. has been helping Springfield Gardens residents navigate financial difficulties for years. We understand the unique challenges facing families in Queens—from rising housing costs to job market pressures.
You’re not just another case number here. We know what it’s like when medical bills pile up or when a job loss turns your world upside down. That’s why we offer free consultations and payment plans that actually work for people dealing with financial stress.
Our office serves the Springfield Gardens community because we believe everyone deserves a chance to rebuild their financial future without judgment or unnecessary delays.
First, we’ll review your financial situation during a free consultation. We’ll look at your income, debts, assets, and goals to determine whether Chapter 7 or Chapter 13 bankruptcy makes sense for your situation.
Once we file your petition, the automatic stay goes into effect immediately. Creditors must stop calling, wage garnishment ends, and foreclosure proceedings pause. This gives you breathing room while we work through the process.
We handle all the paperwork, court filings, and communication with trustees. You’ll attend a brief meeting of creditors—usually lasting just a few minutes—where you’ll answer basic questions about your finances under oath. Most of our clients find this much less intimidating than they expected.
For Chapter 7 cases, you typically receive your discharge in about four months. Chapter 13 cases involve a 3-5 year payment plan, but you keep your assets while paying back a portion of what you owe based on your income.
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We handle every aspect of your bankruptcy case from start to finish. This includes the initial means test to determine eligibility, preparation of all required documents, and representation at the meeting of creditors.
You’ll also get foreclosure defense if you’re behind on mortgage payments. We can often negotiate with lenders to modify loan terms or create payment arrangements that let you keep your home while addressing other debts through bankruptcy.
Our Springfield Gardens clients appreciate that we explain everything in plain English. Bankruptcy law is complicated, but your options don’t have to be confusing. We’ll walk you through exactly what happens to your specific debts, assets, and financial obligations so you can make informed decisions about your future.
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