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Hear from Our Customers
When debt takes over your life, bankruptcy isn’t failure—it’s a legal tool designed to give you breathing room. You’ll wake up without the constant anxiety of creditor calls. Your wages stay in your pocket instead of going to garnishments.
The automatic stay kicks in immediately when we file your case. This means collection calls stop, foreclosure proceedings pause, and you get space to think clearly about your future. Whether Chapter 7 wipes out your qualifying debts entirely or Chapter 13 gives you a manageable payment plan, you’re looking at real relief within months, not years.
Most clients tell us the biggest change isn’t just financial—it’s getting their peace of mind back. You’ll sleep better knowing there’s a concrete plan in place and legal protection working for you.
The Frank Law Firm P.C. has been helping Bellerose Village residents navigate financial crises with practical legal solutions. We understand the specific challenges facing families in Queens and Nassau County—from high housing costs to job market pressures.
Our approach is straightforward: listen to your situation, explain your options in plain English, and handle the legal complexities while you focus on rebuilding. We’ve seen every type of debt situation, and we know which strategies work best in New York bankruptcy courts.
You’re not just getting an attorney—you’re getting someone who understands that behind every bankruptcy case is a person trying to get their life back on track.
First, we sit down for a free consultation to review your debts, income, and assets. This helps us determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. We’ll also look at alternatives if bankruptcy isn’t your best option.
Once you decide to move forward, we gather the required financial documents and prepare your petition. This includes detailed schedules of your debts, assets, income, and expenses. We handle the paperwork and make sure everything meets court requirements.
After filing, the automatic stay goes into effect immediately—creditors must stop all collection activities. You’ll attend a meeting of creditors (which sounds scarier than it is), and we’ll be there with you. For Chapter 7 cases, most people receive their discharge in about four months. Chapter 13 involves a payment plan that typically lasts three to five years, but you’re protected throughout the process.
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Beyond bankruptcy filings, we provide foreclosure defense for homeowners facing the loss of their property. If you’re behind on mortgage payments, we can often negotiate with lenders or use bankruptcy to stop foreclosure proceedings while you catch up.
Our debt relief services include negotiating with creditors, stopping wage garnishments, and protecting exempt assets during the bankruptcy process. We also help clients understand which debts can be discharged and which ones you’ll still be responsible for after bankruptcy.
For Bellerose Village residents, we understand the local real estate market and how to best protect your home equity within New York’s exemption laws. Every case is different, but our goal is always to preserve as much of your financial foundation as possible while eliminating the debt that’s holding you back.
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