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Get immediate relief from debt stress with a bankruptcy lawyer who understands your situation and fights for your fresh start.
Hear from Our Customers
You wake up without dreading the phone ringing. No more creditor calls interrupting dinner or embarrassing you at work. Your paycheck stays in your account instead of getting garnished.
The constant knot in your stomach starts to loosen. You can actually sleep through the night again. Your family stops walking on eggshells around money conversations.
Most importantly, you have a clear path forward. Whether that’s a complete fresh start through Chapter 7 or a manageable payment plan through Chapter 13, you’re no longer drowning. You’re rebuilding, one month at a time, with a plan that actually works for your real income and expenses.
The Frank Law Firm P.C. has been helping Canaan Lake families navigate bankruptcy for years. We know the local courts, the trustees, and exactly what paperwork needs to be perfect to get your case approved.
You’re not getting a one-size-fits-all approach here. We’ve seen every type of debt situation this community faces – from medical bills that spiraled out of control to business ventures that didn’t work out to simple bad luck that hit at the worst possible time.
We handle both Chapter 7 and Chapter 13 cases, and we’ll tell you straight which option makes sense for your specific situation. No sugar-coating, no false promises, just honest guidance from someone who’s been doing this work in New York courts for years.
First, we sit down and look at everything – your debts, your income, your assets, your goals. This consultation is free because we need to understand your situation before we can give you real advice about whether bankruptcy makes sense.
If we move forward, we’ll prepare all the paperwork and file your petition with the court. The moment we file, you get an automatic stay – that’s the legal term for “creditors have to stop calling you immediately.” No more harassment, no more threats, no more sleepless nights wondering what they’ll try next.
Then we guide you through the process. For Chapter 7, that’s usually about four months from filing to discharge. For Chapter 13, we’ll work with you to create a payment plan you can actually stick to for three to five years. Either way, you’ll know exactly what to expect at each step because we’ve done this hundreds of times before.
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You get complete case preparation and filing, including all the paperwork that has to be exactly right for New York courts. We handle the creditor matrix, the means test, the schedules – all the technical stuff that can sink your case if it’s done wrong.
We represent you at the 341 meeting of creditors. Most people are terrified of this meeting, but it’s usually straightforward when you’re properly prepared. We’ll tell you exactly what questions to expect and how to answer them.
You also get protection advice throughout the process. We’ll help you understand what assets you can keep, what debts will be discharged, and how to handle any issues that come up. Plus, we provide guidance on rebuilding your credit after discharge – because the whole point is getting you back on solid financial ground, not just eliminating current debt.
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