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You’re not just filing paperwork. You’re reclaiming control of your life and your family’s future.
When bankruptcy protection kicks in, the constant phone calls stop immediately. No more collectors threatening your paycheck or your peace of mind. Your home gets protected from foreclosure while you work out a realistic payment plan that actually fits your income.
The sleepless nights end when you have a clear path forward. Instead of juggling minimum payments that never touch the principal, you’ll know exactly what you owe and when you’ll be free. Most clients tell us the relief starts the moment they understand their options – not months later when everything’s finalized.
At The Frank Law Firm P.C., we have guided hundreds of East Islip families through bankruptcy proceedings in Nassau County Court. We know the local trustees, understand New York’s property exemptions, and have seen every variation of financial crisis that hits Long Island families.
You won’t get shuffled between paralegals or wonder what’s happening with your case. We handle each bankruptcy filing personally, from your initial consultation through your final discharge. Most of our clients come from referrals – people who got their fresh start and sent their friends and family to us when they needed help.
First, we’ll review your complete financial picture during a free consultation. We’ll look at your income, debts, assets, and goals to determine whether Chapter 7 or Chapter 13 makes more sense for your situation. Many people qualify for Chapter 7’s complete debt discharge, while homeowners facing foreclosure often benefit from Chapter 13’s payment plan structure.
Once you decide to move forward, we prepare and file your petition with Nassau County Bankruptcy Court. The automatic stay goes into effect immediately, stopping all collection activity, wage garnishments, and foreclosure proceedings. You’ll attend a brief meeting of creditors about 30 days later – we’ll be there with you to handle any questions.
For Chapter 7 cases, most clients receive their discharge within 3-4 months. Chapter 13 involves a 3-5 year payment plan, but you keep your assets and catch up on missed mortgage payments over time. Either way, you’ll know exactly what to expect at each step.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense for homeowners who need more time to explore their options. Chapter 7 eliminates credit card debt, medical bills, and personal loans within months. Chapter 13 lets you keep your home while reorganizing all your debts into one manageable payment.
If you’re behind on your mortgage, we can often negotiate loan modifications or use Chapter 13 to spread your missed payments over several years. Many East Islip homeowners have saved houses worth $400,000+ by filing Chapter 13 instead of letting foreclosure proceed.
You’ll also get the required credit counseling and debtor education courses included in our service. We coordinate everything so you don’t have to track down certificates or worry about missing deadlines that could delay your discharge.
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