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Get immediate protection from collection calls, wage garnishments, and foreclosure while we help you rebuild your financial future.
Hear from Our Customers
When you file for bankruptcy, everything changes immediately. The automatic stay kicks in, which means creditors must stop calling you. No more collection letters in your mailbox. No more threats about your home or car.
Your wages can’t be garnished anymore. Bank accounts get unfrozen. The constant stress of dodging calls and worrying about what’s coming next finally stops.
Most of our Chapter 7 clients eliminate their credit card debt, medical bills, and other unsecured debts completely. You keep your home, your car, and the essentials you need to live. Within three to four months, you’re done with the process and can start rebuilding your credit with a clean slate.
The Frank Law Firm P.C. has been helping Long Island families navigate financial crises for years. We understand the unique pressures facing Hauppauge residents – from high property taxes to medical emergencies that can derail even the most careful budget.
We’ve handled hundreds of bankruptcy cases in the Eastern District of New York. We know the local trustees, understand how the courts work, and can guide you through every step of the process.
You’re not just another case number here. We take time to understand your specific situation and explain your options in plain English, without the legal jargon that makes everything more confusing than it needs to be.
First, we sit down and review your complete financial picture. We look at your income, expenses, debts, and assets to determine whether Chapter 7 or Chapter 13 makes more sense for your situation. This consultation is free, and you’ll leave with a clear understanding of your options.
Once you decide to move forward, we prepare and file your bankruptcy petition. The moment it’s filed, the automatic stay goes into effect. Creditors must stop all collection activities immediately – no more calls, no more garnishments, no more foreclosure proceedings.
You’ll attend a meeting of creditors about a month after filing. This sounds scarier than it is – it’s usually a brief meeting where the trustee asks basic questions about your paperwork. We prepare you for exactly what to expect and attend with you.
For Chapter 7 cases, most people receive their discharge in about three months. Chapter 13 cases involve a payment plan that typically lasts three to five years, but you get immediate protection and a manageable way to catch up on important debts like your mortgage.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases, depending on what works best for your income and goals. Chapter 7 eliminates most debts completely within a few months. Chapter 13 creates a manageable payment plan while protecting your home from foreclosure.
Beyond bankruptcy, we provide foreclosure defense services. If you’re behind on your mortgage, we can negotiate with your lender for loan modifications, help you catch up through a Chapter 13 plan, or buy you time to explore other options.
Many Long Island residents don’t realize how much property they can protect in bankruptcy. New York’s exemption laws allow you to keep your home equity, retirement accounts, car, and personal belongings in most cases. We make sure you understand exactly what you’re protecting before you file.
Our goal is to stop the immediate crisis and give you a realistic path forward. Whether that’s eliminating debt completely or creating a payment plan you can actually afford, we’ll help you choose the option that makes the most sense for your family’s situation.
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