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Hear from Our Customers
The phone stops ringing with collection calls. Your wages stay in your paycheck instead of going to creditors. You sleep through the night without worrying about losing your house.
That’s what happens when you file bankruptcy with proper legal guidance. The automatic stay kicks in immediately, giving you breathing room to figure out your next steps. Your credit cards, medical bills, and other unsecured debts get wiped clean in Chapter 7, or reorganized into manageable payments through Chapter 13.
You’re not just eliminating debt – you’re reclaiming control over your financial future. Many clients tell us they wish they’d called sooner instead of struggling for months or years, trying to dig out of a hole that kept getting deeper.
At The Frank Law Firm P.C., we’ve helped countless New Cassel families navigate financial crisis and emerge with a fresh start. We understand the unique challenges facing Long Island residents – from crushing property taxes to the high cost of living that can push even responsible families over the edge.
You’re not getting a one-size-fits-all approach here. We take time to understand your specific situation, whether you’re dealing with medical debt, job loss, divorce, or business failure. Our goal is protecting what you can keep while eliminating what’s dragging you down.
We’ve been serving this community long enough to know that good people sometimes face impossible circumstances. There’s no judgment here – just practical solutions and experienced guidance through the legal process.
First, we sit down for a free consultation to review your debts, income, and assets. This isn’t a sales pitch – it’s an honest assessment of whether bankruptcy makes sense for your situation, and if so, which chapter gives you the best outcome.
If you decide to move forward, we handle all the paperwork and legal requirements. You’ll attend a credit counseling session (required by law), and we’ll prepare your petition with detailed financial disclosures. The moment we file, that automatic stay goes into effect and creditors must stop all collection activities.
Next comes the meeting of creditors – sounds scarier than it is. You’ll answer basic questions about your finances under oath, but we’ll be right there with you. For most Chapter 7 cases, this is the only court appearance you’ll need. Chapter 13 cases require court approval of your repayment plan, but we handle the heavy lifting there too.
Within a few months, you’ll receive your discharge order, officially eliminating qualifying debts and giving you that fresh start you need.
Ready to get started?
We handle both Chapter 7 liquidation and Chapter 13 reorganization cases, plus foreclosure defense when you need to buy time or save your home. Every case starts with that free consultation where we explain your options in plain English – no legal jargon that leaves you more confused than when you walked in.
Chapter 7 works best when you want to eliminate unsecured debts quickly and don’t have significant assets to protect. Chapter 13 makes sense when you’re behind on your mortgage, have substantial equity in your home, or earn too much to qualify for Chapter 7. We’ll run the numbers and show you exactly what each option means for your specific situation.
You’ll also get guidance on rebuilding your credit after bankruptcy. Many clients are surprised to learn they can qualify for a mortgage just two years after discharge with proper planning. We’re not just getting you out of debt – we’re setting you up for long-term financial success.
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