Bankruptcy Lawyer in Corona, NY

Stop Creditor Calls This Week

Get immediate relief from overwhelming debt and protect what matters most to you.

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Chapter 7 Bankruptcy Corona

Your Fresh Start Begins Here

You’re drowning in bills that keep growing no matter how much you pay. The phone won’t stop ringing with creditor calls. You’re losing sleep wondering if you’ll lose your house.

Bankruptcy isn’t failure—it’s a legal tool designed to give people exactly like you a second chance. When you file, an automatic stay immediately stops creditor harassment, wage garnishment, and foreclosure proceedings. You get breathing room to figure out your next steps.

Chapter 7 can eliminate most of your unsecured debt in 3-4 months while letting you keep your home, car, and essential belongings. Chapter 13 creates a manageable payment plan that stops foreclosure and gives you up to five years to catch up on missed payments. Either way, you’re not losing everything—you’re protecting what you’ve worked for while getting rid of what’s crushing you.

Corona Bankruptcy Attorney

Local Attorney, Real Solutions

The Frank Law Firm P.C. has been helping Corona families navigate financial crises for years. We understand that financial hardship can happen to anyone—job loss, medical bills, divorce, or unexpected expenses can quickly spiral out of control.

Unlike large bankruptcy mills that treat you like a number, we take time to understand your specific situation. We know the local bankruptcy courts, trustees, and procedures that affect your case. You’ll work directly with us, not a paralegal or case manager.

We have successfully helped hundreds of Corona residents eliminate debt, save their homes, and rebuild their financial lives. Our approach is straightforward: explain your options clearly, handle the legal complexities, and get you the fresh start you deserve.

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File for Bankruptcy Corona

Simple Process, Real Protection

Your bankruptcy case starts with a free consultation where we review your debts, income, and assets. We’ll explain whether Chapter 7 or Chapter 13 makes more sense for your situation and answer all your questions without any pressure.

Once you decide to move forward, we prepare and file your bankruptcy petition. The moment it’s filed, the automatic stay goes into effect—creditor calls stop, wage garnishment ends, and foreclosure proceedings halt. You finally get the peace you’ve been missing.

For Chapter 7, you’ll attend one brief meeting with the bankruptcy trustee about 30 days after filing. We prepare you for this meeting and handle all communication with the court. Most Chapter 7 cases are complete within 3-4 months, and your qualifying debts are permanently discharged.

Chapter 13 works differently—you’ll make monthly payments through a court-approved plan for 3-5 years. This option is perfect if you’re behind on your mortgage but want to keep your home. We negotiate with creditors and create a payment plan you can actually afford.

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Debt Relief Lawyer Corona

Complete Bankruptcy Representation

We handle every aspect of your bankruptcy case from start to finish. This includes analyzing your debts and assets, determining which chapter fits your situation, preparing all required paperwork, and representing you in court proceedings.

You’ll also receive foreclosure defense if you’re facing the loss of your home. We work with mortgage companies to negotiate loan modifications, payment plans, or other alternatives that let you keep your house. If foreclosure has already started, bankruptcy can stop it immediately and give you time to explore your options.

Our service includes credit counseling referrals, guidance on rebuilding your credit after bankruptcy, and ongoing support throughout your case. You’re not just filing paperwork—you’re getting comprehensive legal representation that addresses your entire financial situation.

Corona residents choose us because we explain complex bankruptcy laws in plain English, offer affordable payment plans for legal fees, and provide the personal attention you won’t find at larger firms. Your case matters, and you deserve an attorney who treats it that way.

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The automatic stay takes effect immediately when your bankruptcy petition is filed with the court. This means creditor calls, wage garnishment, bank account freezes, and foreclosure proceedings must stop that same day. Creditors who continue collection efforts after being notified of your bankruptcy filing can face penalties. Most creditors receive electronic notification within 24-48 hours of filing, though we typically contact major creditors directly to ensure they stop collection activities immediately. This instant relief is one of the most powerful benefits of bankruptcy and gives you breathing room to address your financial situation without constant harassment.
Most people keep their homes in bankruptcy. If you’re current on your mortgage payments, Chapter 7 typically allows you to keep your house as long as you continue making payments. If you’re behind on payments and facing foreclosure, Chapter 13 is often the better choice—it stops foreclosure immediately and gives you 3-5 years to catch up on missed payments through a manageable payment plan. New York’s homestead exemption also protects significant equity in your primary residence. We review your specific situation during your free consultation to determine the best strategy for protecting your home while eliminating other debts.
Chapter 7 is a liquidation bankruptcy that eliminates most unsecured debts like credit cards, medical bills, and personal loans in about 3-4 months. You keep essential assets like your home, car, and personal belongings while getting rid of debts you can’t pay. Chapter 13 is a reorganization bankruptcy that creates a 3-5 year payment plan based on your income. It’s ideal if you’re behind on mortgage or car payments but want to keep these assets, or if your income is too high for Chapter 7. Chapter 13 also stops foreclosure and gives you time to catch up on missed payments while eliminating remaining debts at the end of your plan.
We offer transparent, affordable pricing with payment plans that work for your budget. Chapter 7 cases typically cost less than Chapter 13 cases due to the shorter timeframe and simpler process. The total cost includes attorney fees and court filing fees, and we explain all costs upfront during your free consultation. Many clients find that the money they save by stopping credit card payments more than covers their bankruptcy costs. We also offer payment plans so you don’t need to pay everything upfront. The investment in professional bankruptcy representation pays for itself through proper debt elimination and asset protection.
Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge. You’ll attend one brief meeting with the bankruptcy trustee about 30 days after filing, and if there are no complications, your qualifying debts are eliminated within 90-120 days. Chapter 13 takes 3-5 years to complete since you’re making payments through a court-approved plan, but you get immediate protection from creditors when you file. The timeline can vary based on your specific circumstances, but we keep you informed throughout the process and handle all court deadlines and requirements. Most clients feel relief within days of filing due to the automatic stay protection.
Bankruptcy does affect your credit score initially, but it’s not permanent damage. Many clients see their credit scores improve within 6-12 months after filing because they’ve eliminated overwhelming debt and stopped missing payments. Chapter 7 stays on your credit report for 10 years, while Chapter 13 stays for 7 years, but the impact decreases significantly over time. You can start rebuilding credit immediately after filing by making on-time payments on any remaining debts like your mortgage or car loan. We provide guidance on credit rebuilding strategies, and many clients qualify for new credit cards or car loans within 1-2 years after bankruptcy. The key is that bankruptcy gives you a fresh start to build good credit habits without crushing debt.

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