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Get immediate protection from creditors and a real path out of debt with experienced bankruptcy representation.
Hear from Our Customers
The phone stops ringing with creditor calls. You sleep through the night without worrying about losing your house. Your paycheck stays in your account instead of getting garnished.
That’s what happens when you file for bankruptcy with proper legal protection. You’re not just eliminating debt – you’re getting your life back. The constant stress lifts. The legal threats stop. You can focus on rebuilding instead of just surviving.
Most people don’t realize how quickly bankruptcy protection kicks in. The moment we file your case, creditors must stop all collection activity. No more calls, no more lawsuits, no more wage garnishments. It’s called the automatic stay, and it gives you breathing room to sort everything out properly.
The Frank Law Firm P.C. has been helping Allenwood residents navigate financial crises for years. We understand the local economic pressures that put good people in impossible situations.
You’re not getting a corporate law mill here. You’re getting a local firm that knows the trustees, understands the courts, and has walked hundreds of people through this exact process. We know what works in New York bankruptcy court and what doesn’t.
Most importantly, we know this isn’t about the law – it’s about your family’s future. That’s why we focus on clear communication and realistic solutions instead of legal jargon and false promises.
First, we sit down and look at your complete financial picture. Income, expenses, assets, debts – everything. This tells us whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.
If you qualify for Chapter 7, we can eliminate most of your unsecured debt in about four months. Credit cards, medical bills, personal loans – gone. If Chapter 13 is better, we create a payment plan that lets you keep your assets while paying back what you can afford.
Once we file your case, the automatic stay kicks in immediately. Creditors must stop calling. Foreclosure proceedings pause. Wage garnishments end. Then we handle all the paperwork, court appearances, and trustee meetings while you focus on moving forward.
The whole process is designed to give you a fresh start, not punish you for past financial problems. That’s exactly what it does when handled correctly.
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You get full legal representation from start to finish. We prepare and file all bankruptcy documents, represent you at the 341 meeting of creditors, and handle any issues that come up with trustees or creditors.
Our foreclosure defense work can buy you time if you’re behind on mortgage payments. Sometimes we can negotiate loan modifications. Other times bankruptcy is the tool that saves your house by eliminating other debts and freeing up income for mortgage payments.
We also handle the details most people don’t think about. Reaffirming car loans if you want to keep your vehicle. Protecting retirement accounts and exempt assets. Making sure you understand exactly what happens to your credit and how to rebuild it after discharge.
The goal isn’t just to file bankruptcy – it’s to set you up for long-term financial success once you get your fresh start.
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