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Get immediate debt relief and protect what matters most with experienced bankruptcy representation in Bar Harbor.
Hear from Our Customers
You’re not just filing paperwork. You’re reclaiming your life from the constant stress of overwhelming debt.
When creditors stop calling, you sleep better. When foreclosure threats disappear, you breathe easier. When medical bills and credit card debt get wiped clean, you start planning for the future instead of drowning in the past.
Chapter 7 bankruptcy eliminates most unsecured debts in about four months. Chapter 13 creates a manageable payment plan that fits your actual income, not what creditors demand. Both options trigger an automatic stay that immediately stops collection calls, wage garnishments, and foreclosure proceedings.
The relief isn’t just financial. It’s the ability to answer your phone without fear, open your mail without dread, and look forward to tomorrow instead of dreading it.
We at The Frank Law Firm P.C. have helped Bar Harbor families navigate financial crises for years. We understand the unique challenges facing our community, from seasonal employment gaps to the high cost of living in coastal Maine.
We know the local bankruptcy trustees, understand how Bar Harbor’s economy affects your financial options, and have guided hundreds of families through successful debt relief. Our office is here in your community because your neighbors deserve accessible, experienced bankruptcy representation.
You’re not getting a cookie-cutter approach from a distant law firm. You’re getting personalized guidance from attorneys who understand Bar Harbor’s economic realities and fight for outcomes that work in your specific situation.
Your consultation is free and confidential. We review your debts, income, assets, and goals to determine whether Chapter 7 or Chapter 13 bankruptcy serves you best. No judgment, just honest assessment of your options.
Once you decide to move forward, we handle the paperwork and filing. The automatic stay takes effect immediately, stopping creditor harassment and collection actions. You’ll attend a brief meeting of creditors, which we prepare you for completely.
In Chapter 7 cases, most clients receive their discharge in about four months. Chapter 13 clients follow a court-approved payment plan for three to five years, then receive discharge of remaining eligible debts. Throughout the process, we handle court communications and protect your interests.
The goal isn’t just debt elimination. It’s positioning you for long-term financial stability with a clear understanding of how to rebuild credit and avoid future financial pitfalls.
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Bankruptcy stops foreclosure proceedings through the automatic stay, giving you time to catch up on mortgage payments or negotiate loan modifications. We also handle foreclosure defense outside of bankruptcy when that serves your interests better.
Our service includes thorough debt analysis, asset protection planning, and creditor negotiation when appropriate. We examine every option before recommending bankruptcy, including debt consolidation, payment plans, and settlement negotiations.
Bar Harbor’s seasonal economy creates unique challenges. Tourism workers face income fluctuations, fishing industry families deal with unpredictable seasons, and small business owners struggle with cash flow gaps. We structure solutions that account for these local economic realities.
You receive ongoing support throughout the process, not just document preparation. We explain each step, prepare you for court appearances, and provide guidance on rebuilding credit after discharge.
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