Get immediate debt relief protection and explore your bankruptcy options with a local Fort Salonga attorney who understands your situation.
Hear from Our Customers
You wake up without dreading the phone ringing. No more collection calls interrupting dinner with your family. No more sleepless nights wondering how you’ll make next month’s mortgage payment.
Chapter 7 bankruptcy can eliminate your credit card debt, medical bills, and personal loans in just a few months. You keep your essential assets and get a genuine fresh start. Chapter 13 lets you keep your Fort Salonga home while reorganizing your debts into one manageable monthly payment over 3-5 years.
The automatic stay kicks in immediately when you file, stopping foreclosure proceedings and giving you breathing room. Your paycheck becomes yours again instead of going straight to creditors. You can start rebuilding your financial future instead of drowning in past mistakes.
We at The Frank Law Firm P.C. have been helping Long Island families navigate bankruptcy and debt relief for years. We understand the financial pressures facing Fort Salonga residents – the high cost of living, property taxes, and unexpected emergencies that can derail even the most careful budget.
You’re not getting a judgment lecture here. You’re getting practical legal help from someone who’s seen every type of financial situation and knows exactly how to guide you through the process. We handle Chapter 7 and Chapter 13 cases regularly, along with foreclosure defense when you need time to explore your options.
First, we meet for a free consultation to review your debts, income, and assets. We’ll run through the means test to determine if you qualify for Chapter 7 or if Chapter 13 makes more sense for your situation. No pressure, just honest advice about your options.
Once you decide to move forward, we prepare and file your bankruptcy petition. The automatic stay goes into effect immediately, stopping all collection activity and foreclosure proceedings. Your creditors have to deal with us now, not you.
For Chapter 7, you’ll attend a meeting of creditors about 30 days after filing. Most cases are wrapped up in 3-4 months with a discharge order eliminating your qualifying debts. Chapter 13 involves court approval of your repayment plan, then you make payments through the bankruptcy trustee for 3-5 years before receiving your discharge.
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You get comprehensive bankruptcy representation covering every aspect of your case. We handle all the paperwork, court filings, and communication with creditors and trustees. The means test evaluation, asset protection planning, and debt discharge process are all covered.
Foreclosure defense is available when you need time to explore your options or pursue a loan modification. We can file emergency bankruptcy petitions to stop foreclosure sales and give you immediate protection. Chapter 13 reorganization lets you catch up on missed mortgage payments over time while keeping your Fort Salonga home.
Our debt relief services extend beyond bankruptcy to include creditor negotiation and payment plan arrangements when appropriate. You get honest advice about whether bankruptcy is your best option or if other debt relief strategies might work better for your specific situation.