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Get immediate debt relief and foreclosure protection with a bankruptcy attorney who understands Long Island families.
Hear from Our Customers
You sleep through the night without worrying about the phone ringing. Your paycheck stays in your account instead of getting garnished. The foreclosure notice that’s been haunting you gets put on hold.
Chapter 7 bankruptcy can eliminate most of your unsecured debt in 3-4 months. Credit cards, medical bills, personal loans – gone. Chapter 13 lets you keep your house while paying back what you can afford over 3-5 years.
The automatic stay kicks in the moment we file your case. Creditors have to stop calling immediately. Wage garnishments stop. Foreclosure proceedings get paused. You get breathing room to figure out your next steps without the constant pressure.
The Frank Law Firm P.C. has been helping Copiague and Long Island families navigate bankruptcy for years. We understand what it’s like living here – the high property taxes, the cost of everything, how quickly financial problems can spiral.
You’re not getting lectured about how you got here. We’ve seen it all – job loss, medical emergencies, business failures, divorce. What matters now is getting you back on solid ground.
We handle your case from start to finish. No passing you off to paralegals or junior attorneys. When you call, you talk to someone who knows your situation.
First, we sit down and look at everything – your debts, income, assets, and what you want to protect. Most people think they know which chapter they need, but the details matter. We’ll figure out if Chapter 7 can wipe your slate clean or if Chapter 13 makes more sense for keeping your house.
Next, we prepare and file your petition with the bankruptcy court. The automatic stay goes into effect immediately – creditors have to stop all collection activities. No more calls, no more threats, no more garnishments.
You’ll attend a meeting of creditors about a month later. It sounds scary but it’s usually routine – the trustee asks basic questions about your paperwork. We prepare you for exactly what to expect. Most meetings are over in five minutes.
For Chapter 7, you’re typically done in 3-4 months with a discharge that eliminates your qualifying debts. Chapter 13 involves a 3-5 year payment plan, but you keep your assets and catch up on missed mortgage payments over time.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases for individuals, families, and small businesses in Copiague and throughout Long Island. Chapter 7 liquidation bankruptcy eliminates most unsecured debts quickly. Chapter 13 reorganization lets you keep your property while paying back creditors through a manageable plan.
Foreclosure defense is often part of the equation. If you’re behind on mortgage payments, bankruptcy can stop the foreclosure process and give you options. Chapter 13 lets you catch up on missed payments over time while keeping your home.
We also help with pre-bankruptcy planning to protect assets legally, post-bankruptcy credit rebuilding advice, and dealing with creditors who violate the automatic stay. Every case includes thorough debt analysis, means testing, exemption planning, and representation at all hearings. You get honest advice about whether bankruptcy is right for your situation or if other debt relief options might work better.
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