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Get immediate relief from debt stress with experienced bankruptcy representation that protects your family’s future in Commack.
Hear from Our Customers
The phone stops ringing with threatening calls from creditors. You sleep through the night knowing your home is protected from foreclosure. Your paycheck stays in your account instead of being garnished.
That’s what happens when you file for bankruptcy with proper legal guidance. Most people don’t realize that bankruptcy isn’t about failure—it’s about getting a fresh start when life throws you curveballs you couldn’t predict.
Within months of filing, you’ll have a clear path forward. Your unsecured debts like credit cards and medical bills get eliminated or restructured into manageable payments. You keep the assets that matter most to your family while getting rid of the debt that’s been crushing you.
The Frank Law Firm P.C. has been helping Long Island families navigate financial difficulties for years. We understand the unique challenges facing Commack residents—from high housing costs to unexpected medical bills that can derail even the most careful financial planning.
You’re not just another case number here. We take time to understand your specific situation and explain your options in plain English, not legal jargon. Our office serves Suffolk County families who need experienced bankruptcy representation without the intimidation factor.
We’ve guided hundreds of families through both Chapter 7 and Chapter 13 bankruptcy proceedings in local courts. You’ll know exactly what to expect, what it costs, and how long the process takes before you make any decisions.
First, we meet for a free consultation to review your debts, income, and assets. You’ll learn whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. We explain everything upfront—no surprises, no pressure.
Next, we prepare and file your bankruptcy petition with the Central Islip courthouse. The moment we file, creditors must stop calling you, garnishing your wages, or pursuing foreclosure. This automatic stay gives you breathing room while we handle the legal process.
Finally, you attend a brief meeting with the bankruptcy trustee, usually lasting about 10 minutes. We’re there with you every step of the way. Within a few months, you receive your discharge order, eliminating qualifying debts and giving you the fresh start you need.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases for Commack families. Chapter 7 eliminates most unsecured debts in about four months, while Chapter 13 creates a manageable payment plan that lets you keep your home and catch up on missed mortgage payments.
Beyond bankruptcy, we provide foreclosure defense to help you keep your home. Many homeowners don’t realize they have options even after receiving foreclosure notices. We can often negotiate loan modifications or use bankruptcy to stop foreclosure proceedings entirely.
You’ll also receive guidance on rebuilding your credit after bankruptcy. Most clients are surprised to learn that their credit scores start improving within months of receiving their discharge. We provide practical steps to establish good credit while avoiding the debt traps that led to financial trouble in the first place.
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