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Get immediate creditor relief and protect what matters most with experienced bankruptcy guidance in Mount Sinai.
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You’re not just filing paperwork – you’re reclaiming your life. When the automatic stay kicks in, those daily creditor calls stop immediately. Your wages are protected from garnishment, and you can finally sleep without wondering if you’ll lose your home.
Chapter 7 bankruptcy eliminates most unsecured debts completely. Credit cards, medical bills, personal loans – gone. Chapter 13 lets you keep your home while creating a manageable payment plan based on what you can actually afford, not what creditors demand.
The relief isn’t just financial. It’s the ability to answer your phone again, open your mail without dread, and plan for your family’s future instead of just surviving each month.
We at The Frank Law Firm P.C. have been helping Long Island families navigate financial crises for years. We understand the unique challenges Mount Sinai residents face – from high property taxes to the cost of living that can quickly overwhelm even stable households.
We’ve walked hundreds of clients through both Chapter 7 and Chapter 13 proceedings in New York bankruptcy courts. Our approach is straightforward: understand your specific situation, explain your options clearly, and execute the strategy that gives you the best outcome.
You’re not getting a cookie-cutter solution or a rushed consultation. Every case gets the attention it deserves because we know this isn’t just about debt – it’s about your family’s future.
Your free consultation covers everything – your debts, assets, income, and goals. We’ll determine if Chapter 7 or Chapter 13 makes more sense for your situation, or if there’s a better alternative to bankruptcy altogether.
Once you decide to move forward, we handle the paperwork and filing. The automatic stay goes into effect immediately, stopping all collection activities. No more calls, no more garnishments, no more foreclosure proceedings while we work through your case.
For Chapter 7, most cases are resolved within 3-4 months. Chapter 13 involves a 3-5 year payment plan, but you keep your assets and get immediate protection. Throughout the process, we handle all court appearances and creditor communications.
After discharge, you’ll have specific guidance on rebuilding your credit and avoiding future financial problems. The goal isn’t just to solve today’s crisis – it’s to set you up for long-term financial stability.
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Beyond bankruptcy filing, you get comprehensive debt relief strategy. We review every debt to determine what can be eliminated, what must be paid, and what can be negotiated. Some clients discover they don’t need bankruptcy at all – just better negotiation with creditors.
For Mount Sinai homeowners, foreclosure defense is often critical. We can stop foreclosure proceedings and work out loan modifications or payment plans that let you keep your home. Sometimes Chapter 13 is the perfect tool to catch up on missed mortgage payments while eliminating other debts.
Our service includes credit counseling requirements, financial planning guidance, and post-bankruptcy credit rebuilding strategies. You’re not just getting legal representation – you’re getting a complete financial fresh start with the tools to maintain it.
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