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The phone stops ringing. Your paycheck stays in your account instead of going to creditors. You sleep through the night without worrying about losing your house.
That’s what happens when bankruptcy protection kicks in. Most people don’t realize how quickly the relief comes. The moment we file your case, federal law creates an automatic stay that stops all collection activities immediately.
Your credit cards get wiped clean. Medical bills disappear. Old loans that have been hanging over your head for years get discharged permanently. You keep your home, your car, and your retirement accounts while eliminating the debt that’s been crushing you.
The Frank Law Firm P.C. has been helping Long Island families get out of debt for years. We know the local bankruptcy court, the trustees, and exactly how to navigate Suffolk County’s specific requirements.
You’re not getting a generic bankruptcy mill that handles cases from across the country. You’re working with attorneys who understand Islip’s cost of living pressures, property values, and the financial challenges facing working families here.
We’ve seen every type of debt situation you can imagine. Job loss, medical emergencies, divorce, business failures – we know how quickly good people can end up in impossible financial situations through no fault of their own.
First, we meet for a free consultation where you bring your bills, income information, and asset details. We’ll determine whether Chapter 7 or Chapter 13 makes more sense for your situation. Most people qualify for Chapter 7, which eliminates debt in about four months.
Next, we prepare and file your bankruptcy petition with the court. The automatic stay goes into effect immediately, stopping all collection calls, wage garnishments, and foreclosure proceedings. Your creditors legally cannot contact you anymore.
Then you attend one brief meeting with the bankruptcy trustee, usually lasting 15 minutes. We prepare you for every question they might ask. After that, you wait for your discharge order, which permanently eliminates your qualifying debts. The whole process typically takes 90-120 days from filing to freedom.
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You get complete bankruptcy representation from start to finish. We handle all the paperwork, court filings, and communication with creditors and trustees. No surprises, no extra fees for basic services.
Your case includes asset protection planning to keep your home, car, and retirement accounts safe. We know exactly which exemptions apply in New York and how to maximize your protection under the law. Most clients keep everything they need while eliminating their debt.
We also provide foreclosure defense if you’re behind on mortgage payments. Filing bankruptcy immediately stops foreclosure proceedings and gives you options to catch up on payments through Chapter 13 or negotiate with your lender from a position of strength.
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