Get immediate protection from harassment and start fresh with experienced bankruptcy representation in Deer Wells.
Hear from Our Customers
When you file for bankruptcy, the automatic stay kicks in immediately. That means creditor calls stop. Wage garnishments end. Foreclosure proceedings halt.
Chapter 7 bankruptcy can eliminate most of your unsecured debt completely. Credit cards, medical bills, personal loans – gone. You keep essential assets like your home and car while getting rid of what’s drowning you financially.
Chapter 13 bankruptcy lets you restructure your debts into affordable monthly payments over three to five years. You can catch up on mortgage payments, stop foreclosure, and keep your property while getting back on solid ground.
At The Frank Law Firm P.C., we have helped Deer Wells families navigate financial crises for years. We understand the local court system and know how to move your case efficiently through the process.
You’re not just another file number here. We see the real people behind the paperwork – hardworking individuals who hit rough patches through no fault of their own.
Our focus stays on getting you results fast while treating you with the respect you deserve during this difficult time.
First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.
Next, we prepare and file all the paperwork with the bankruptcy court. The automatic stay goes into effect immediately, stopping all collection activity against you.
You’ll attend a meeting of creditors about a month later – a brief, routine proceeding where the trustee asks basic questions about your finances. We’ll be there with you.
Finally, you receive your discharge order eliminating your qualifying debts. Most Chapter 7 cases complete within four months. Chapter 13 cases follow your approved payment plan.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases for individuals and married couples. Our services include foreclosure defense to help you keep your home while working through the bankruptcy process.
Many Deer Wells residents face overwhelming medical debt, credit card balances, or business debts. We’ve seen families struggling with bills from unexpected hospital stays, job losses, and economic downturns that hit our local community.
You’ll get honest advice about whether bankruptcy is your best option or if alternatives like debt negotiation might work better. We explain everything in plain English so you understand exactly what’s happening with your case.