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Hear from Our Customers
The phone stops ringing with collection calls. You sleep through the night without worrying about losing your house. Your paycheck stays in your account instead of getting garnished.
That’s what happens when you file for bankruptcy with proper legal guidance. You get an automatic stay that immediately stops all collection activities – no more harassment, no more threats, no more sleepless nights wondering how you’ll make it work.
Your home stays protected through Chapter 13 reorganization, letting you catch up on missed mortgage payments over time. Unsecured debts like credit cards and medical bills get eliminated or significantly reduced. You keep your car, your household items, and your dignity while getting the fresh start you need to rebuild.
The Frank Law Firm P.C. has been helping Freeport families navigate financial crises and bankruptcy proceedings in Nassau County courts. We understand the local procedures, the trustees, and exactly what it takes to get your case approved quickly.
You’re not just another case number here. We know what it’s like to face overwhelming debt in one of New York’s most expensive areas. Housing costs, taxes, and everyday expenses add up fast, and sometimes life throws you curveballs that make everything unmanageable.
That’s why we focus on practical solutions that work for real people dealing with real problems. No judgment, no lectures about how you got here – just clear guidance on how to move forward.
First, we sit down 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, or if there are alternatives that might work better.
Once you decide to move forward, we prepare and file your bankruptcy petition with the Nassau County court. This immediately triggers the automatic stay, stopping all collection activities against you. No more calls, no more garnishments, no more foreclosure proceedings.
Next, we guide you through the meeting of creditors, where you’ll answer basic questions about your financial situation under oath. We prepare you thoroughly so you know exactly what to expect. Most meetings last less than five minutes.
Finally, you complete a brief financial management course, and the court issues your discharge order. Your qualifying debts are eliminated forever, and you can start rebuilding your financial life with a clean slate.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense for homeowners facing immediate threats. Chapter 7 eliminates most unsecured debts in about four months, perfect if you’re struggling with credit cards, medical bills, or personal loans.
Chapter 13 works better when you’re behind on your mortgage or car payments but have steady income. You get up to five years to catch up on secured debts while eliminating or reducing unsecured ones. This option lets you keep your house and car while getting manageable payment plans.
For homeowners already in foreclosure, we can file emergency bankruptcy petitions to stop sheriff sales and give you time to explore your options. Sometimes that means working out a loan modification, sometimes it means selling the house on your terms instead of losing it to foreclosure.
Every case includes thorough debt analysis, asset protection planning, and credit rebuilding guidance. We also offer payment plans for legal fees because we understand money is tight when you’re considering bankruptcy.
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