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Get immediate debt relief and foreclosure protection with a Harbor Heights bankruptcy attorney who explains your options clearly.
Hear from Our Customers
You’re drowning in debt payments that never seem to make a dent. Every month, you’re choosing between keeping the lights on and keeping your home. The phone won’t stop ringing with collection calls.
Bankruptcy isn’t failure—it’s the legal tool designed to give you breathing room. When you file for bankruptcy, creditor calls stop immediately. Your wages can’t be garnished. Foreclosure proceedings get put on hold while you reorganize your finances.
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 home while catching up on missed mortgage payments over three to five years. Both options give you the chance to rebuild your financial life without the crushing weight of unmanageable debt.
We at The Frank Law Firm P.C. have been helping Harbor Heights residents navigate financial crises for years. We understand the local housing market, the economic pressures facing our community, and how New York bankruptcy laws can work in your favor.
You’ll work directly with an experienced bankruptcy attorney, not a paralegal or case manager. We explain everything in plain English because you deserve to understand exactly what’s happening with your case. Our office is right here in Harbor Heights, so you’re not dealing with some distant firm that doesn’t understand your situation.
We’ve successfully filed hundreds of Chapter 7 and Chapter 13 cases, helped families save their homes from foreclosure, and guided small business owners through debt relief options.
Your bankruptcy case starts with a free consultation where we review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. No pressure, no sales pitch—just honest advice about your options.
Once you decide to move forward, we handle all the paperwork and court filings. You’ll need to provide financial documents like pay stubs, tax returns, and account statements. We prepare and file your bankruptcy petition with the court, which immediately triggers the automatic stay that stops all collection activities.
About a month after filing, you’ll attend a meeting of creditors—it’s usually brief and straightforward. In Chapter 7 cases, you typically receive your discharge in three to four months. Chapter 13 cases involve a payment plan that lasts three to five years, but you get immediate protection and can often keep your home and car.
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Beyond bankruptcy filing, we provide comprehensive debt relief services tailored to Harbor Heights residents. If you’re behind on mortgage payments, we can negotiate with your lender for loan modifications or defend against foreclosure proceedings to buy you time.
Our foreclosure defense strategies often involve challenging improper documentation, negotiating payment plans, or pursuing alternatives like short sales when keeping the home isn’t realistic. We’ve seen too many families lose their homes because they didn’t understand their options or waited too long to get help.
We also handle debt negotiation for clients who might not need bankruptcy but want to settle with creditors for less than what’s owed. Sometimes a well-timed negotiation can resolve your debt problems without filing bankruptcy at all. The key is getting experienced legal advice before your situation becomes desperate.
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