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Get immediate protection from foreclosure, wage garnishments, and collection calls with experienced bankruptcy representation in Melville.
Hear from Our Customers
You’re drowning in debt that isn’t going away on its own. Medical bills, credit cards, business loans – they’re piling up faster than you can pay them down. Every day brings another collection call, another threatening letter, another sleepless night wondering if you’ll lose your house.
Bankruptcy isn’t failure. It’s federal law designed to give people exactly like you a second chance. When you file for bankruptcy protection, creditor harassment stops immediately. Wage garnishments end. Foreclosure proceedings halt. You get breathing room to rebuild your financial life.
Most of our clients wish they’d called sooner. They spent months or years trying to dig out of debt that was mathematically impossible to repay. Once they file, they realize they could have been sleeping peacefully and planning their future instead of drowning in financial stress.
We at The Frank Law Firm P.C. have been helping Melville families and business owners navigate bankruptcy protection for years. We understand the unique financial pressures of living on Long Island – the high property taxes, the cost of living, the challenge of maintaining a middle-class lifestyle when unexpected expenses hit.
You’re not just another case number here. We take time to understand your specific situation and explain your options in plain English. No legal jargon, no judgment, just clear guidance on how to protect your assets and eliminate your debt.
We’ve handled hundreds of Chapter 7 and Chapter 13 cases in Nassau County bankruptcy court. We know the local trustees, understand the procedures, and can navigate the system efficiently to get you the fresh start you deserve.
First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. Chapter 7 eliminates most unsecured debt in about four months. Chapter 13 creates a manageable payment plan while protecting your home and other assets.
Once you decide to move forward, we handle all the paperwork and court filings. You’ll need to provide financial documents – tax returns, pay stubs, bank statements – but we guide you through exactly what’s needed. We also arrange your required credit counseling session.
After we file your petition, you get immediate protection under the automatic stay. Creditors must stop all collection activities. No more phone calls, no more garnishments, no more foreclosure proceedings. You’ll attend one brief meeting with the bankruptcy trustee, which we prepare you for and attend with you. Then you wait for your discharge order, which typically comes within a few months for Chapter 7 cases.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense and debt negotiation. Many Melville residents benefit from Chapter 13 because it allows them to keep their homes while catching up on mortgage payments through a court-approved plan.
If you’re facing foreclosure, we can often buy you time and negotiate with your lender while exploring bankruptcy options. Sometimes a Chapter 13 filing is the most effective way to stop foreclosure and create a realistic plan to save your house.
We also help with pre-bankruptcy planning to maximize the assets you can protect. New York has generous exemptions for retirement accounts, home equity, and personal property, but timing and proper planning matter. We’ll make sure you’re positioned to get the maximum benefit from your bankruptcy filing while staying within legal requirements.
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