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You’re drowning in debt, but you don’t have to lose everything. Bankruptcy gives you the legal power to stop creditor harassment immediately and wipe out crushing debt for good.
When you file for bankruptcy, an automatic stay kicks in within 24 hours. That means no more collection calls during dinner. No more threatening letters in your mailbox. No more sleepless nights wondering if they’ll take your house.
Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in as little as four months. Chapter 13 lets you keep your property while paying back what you can afford over three to five years. Either way, you get to keep essential assets like your home, car, and retirement accounts.
The Frank Law Firm P.C. has been helping Fire Island Pines residents navigate financial crises and protect their most valuable assets. We understand the unique challenges of living in a seasonal community where property values are high but income can be unpredictable.
You need an attorney who knows Suffolk County bankruptcy court procedures inside and out. Someone who understands that your Fire Island property isn’t just an investment – it’s your sanctuary.
We’ve successfully helped dozens of local families eliminate debt while keeping their homes. We know which exemptions protect your assets and how to structure your case for the best possible outcome.
First, we’ll sit down for a free consultation to review your debts, income, and assets. No judgment, just facts. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.
Next, we’ll prepare and file your bankruptcy petition with the court. The moment we file, that automatic stay goes into effect. Creditors must stop all collection activities immediately. No more calls, no more lawsuits, no more wage garnishments.
Within 30 days, you’ll attend a brief meeting with the bankruptcy trustee. We’ll be there with you to handle any questions. For Chapter 7 cases, you’ll typically receive your discharge in about four months. Chapter 13 cases involve a payment plan, but you get immediate protection while paying back what you can actually afford.
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We handle every type of bankruptcy case, from straightforward Chapter 7 filings to complex Chapter 13 reorganizations. If you’re behind on your mortgage, we’ll fight foreclosure while working out a payment plan that lets you keep your Fire Island property.
Our foreclosure defense services buy you time and leverage to negotiate with lenders. Many times, we can modify loan terms or arrange settlements that are far better than what banks initially offer.
For business owners, we understand the seasonal nature of Fire Island enterprises. We can help restructure business debt or, if necessary, close down operations while protecting your personal assets from business creditors.
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