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Get immediate creditor protection and explore your debt relief options with an experienced Argo Village bankruptcy attorney.
Hear from Our Customers
The phone stops ringing. You sleep through the night without worrying about tomorrow’s mail. Your paycheck stays in your account instead of going to creditors.
That’s what happens when you file for bankruptcy protection. The automatic stay kicks in immediately, stopping collection calls, wage garnishments, and foreclosure proceedings. You get breathing room to rebuild.
Most people don’t realize how quickly bankruptcy can turn things around. Within months, you’re making decisions based on your actual income instead of juggling minimum payments. You’re planning for your family’s future instead of scrambling to cover last month’s emergencies.
We at The Frank Law Firm P.C. have been helping Argo Village families navigate bankruptcy and debt relief for years. We understand the local economy, the job market pressures, and what it’s like when medical bills or business setbacks hit working families hard.
You won’t get judgment here. You’ll get straight answers about your options, realistic timelines, and a clear path forward. We’ve filed hundreds of Chapter 7 and Chapter 13 cases in New York courts, and we know which approach works best for different situations.
This isn’t about shame or failure. It’s about using the legal tools available to get your financial life back on track.
First, we sit down and review your complete financial picture. Income, debts, assets, monthly expenses. We determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.
Next, we prepare and file your bankruptcy petition with the court. The automatic stay goes into effect immediately, stopping all collection activity. Your creditors can’t call, garnish wages, or pursue foreclosure while your case is active.
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 to six months. Chapter 13 cases involve a payment plan that typically runs three to five years, but you keep your assets and catch up on missed mortgage payments over time.
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When you work with us, you get comprehensive debt relief services. We handle Chapter 7 liquidation cases for people who qualify based on income and want to eliminate unsecured debt completely. We also file Chapter 13 reorganization cases for homeowners who need to catch up on mortgage payments while keeping their property.
Our foreclosure defense work often goes hand-in-hand with bankruptcy filing. We can stop foreclosure proceedings through the automatic stay, then help you work out a plan to keep your home. Many clients don’t realize that bankruptcy can actually be the key to saving their house.
We also provide ongoing guidance about rebuilding credit after bankruptcy, dealing with any remaining secured debts, and avoiding the financial mistakes that led to filing in the first place. The goal isn’t just to get you through bankruptcy – it’s to set you up for long-term financial stability.
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