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Get immediate relief from debt collectors and foreclosure threats with experienced bankruptcy representation in Gilgo Beach.
Hear from Our Customers
When you’re drowning in debt, bankruptcy isn’t failure—it’s a legal tool designed to give you breathing room. The automatic stay kicks in the moment you file, stopping all collection calls, wage garnishments, and foreclosure proceedings immediately.
Chapter 7 bankruptcy can eliminate most of your unsecured debts in just 3-4 months. Credit cards, medical bills, personal loans—gone. You keep your home, car, and retirement accounts while getting rid of what’s crushing you financially.
Chapter 13 bankruptcy lets you keep everything while creating a manageable payment plan. Behind on your mortgage? Facing foreclosure? Chapter 13 gives you up to five years to catch up on payments while protecting your home from seizure.
We at The Frank Law Firm P.C. have been helping Long Island families navigate financial crises for years. We understand the unique pressures facing Gilgo Beach residents—high property taxes, expensive living costs, and the challenge of maintaining a home while managing debt.
You’re not getting a one-size-fits-all approach here. We know the local bankruptcy court procedures, the trustees, and exactly how to position your case for the best possible outcome. Our office serves Nassau County families who need real solutions, not empty promises.
First, we’ll review your complete financial situation 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.
Once we file your petition with the bankruptcy court, the automatic stay goes into effect immediately. Creditors must stop all collection activities—no more calls, no more threats, no more garnishments. You can finally breathe.
For Chapter 7, you’ll attend one meeting with the trustee about 30 days after filing. Most clients find this much less intimidating than expected. For Chapter 13, we’ll work with you to create a realistic payment plan that the court will approve. Either way, you’re looking at a fresh start within months, not years.
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We handle every aspect of your bankruptcy case from start to finish. This includes preparing all required documentation, representing you at court hearings, and dealing with trustees and creditors on your behalf.
Our foreclosure defense work often goes hand-in-hand with bankruptcy. If you’re behind on mortgage payments, we can stop the foreclosure process while working out a solution that lets you keep your home. Many Gilgo Beach families have saved their homes this way.
We also provide ongoing guidance about rebuilding your credit after bankruptcy. Most clients are surprised to learn they can qualify for new credit within 12-18 months of discharge. The key is knowing how to do it right from day one.
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