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The phone stops ringing with collection calls. You sleep through the night without worrying about losing your house. Your paycheck goes toward groceries and your kids’ needs instead of disappearing into minimum payments that never touch the principal.
Bankruptcy isn’t about failure—it’s about using the legal system exactly as it was designed. To give people a genuine fresh start when life throws curveballs like job loss, medical emergencies, or business setbacks that weren’t your fault.
You keep your home, your car, and your retirement accounts. The credit card debt, medical bills, and other unsecured debts that have been crushing you? Gone. You get to rebuild your financial life on solid ground instead of quicksand.
The Frank Law Firm P.C. has been helping Long Island families navigate financial crises for years. We understand the unique pressures of living in Suffolk County—the high property taxes, the cost of living, the way one setback can spiral into an impossible situation.
We’re not a bankruptcy mill that processes hundreds of cases without knowing your name. When you work with us, you get direct access to an experienced bankruptcy attorney who knows the local courts, trustees, and procedures that will determine your case outcome.
Most importantly, we’ve seen what works and what doesn’t. We know which assets you can protect, how to structure your case for the best possible outcome, and how to handle the complications that inevitably arise.
First, we sit down and look at your complete financial picture. Income, expenses, debts, assets—everything. This isn’t about judgment; it’s about understanding exactly what you’re dealing with so we can recommend the right approach.
If Chapter 7 makes sense, we can eliminate most of your unsecured debts in about four months. If Chapter 13 is better—maybe because you’re behind on your mortgage or have assets to protect—we create a payment plan based on what you can actually afford, not what creditors demand.
We handle all the paperwork, represent you at the meeting of creditors, and deal with the trustee. You focus on moving forward. The automatic stay kicks in as soon as we file, which means creditors must stop calling, wage garnishments end, and foreclosure proceedings halt.
Throughout the process, we prepare you for what’s coming next and help you understand how to rebuild your credit responsibly.
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You get full legal representation from initial consultation through discharge. We prepare and file all required documents, represent you at hearings, communicate with trustees and creditors, and handle any complications that arise during your case.
For Holtsville residents, this means someone who understands local property values for exemption purposes, knows the preferences of trustees in the Eastern District of New York, and can navigate the specific requirements that trip up people who try to handle bankruptcy themselves.
We also provide foreclosure defense services when bankruptcy alone isn’t enough to save your home. Sometimes the best strategy combines both approaches—using bankruptcy to eliminate other debts while negotiating directly with your mortgage company.
After your case closes, we provide guidance on rebuilding credit and avoiding the mistakes that led to financial trouble in the first place.
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