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Get the fresh start you deserve with experienced bankruptcy representation that protects your assets and your future.
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You’re not just filing papers when you choose bankruptcy—you’re activating legal protection that stops creditor calls immediately. The automatic stay goes into effect the moment we file, giving you breathing room you haven’t had in months or years.
Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in as little as four months. Most of our North Merrick clients keep their homes, cars, and retirement accounts while wiping out the debt that’s been crushing them.
Chapter 13 bankruptcy lets you catch up on mortgage payments over three to five years while protecting your home from foreclosure. You’ll have a court-approved payment plan that creditors can’t touch, and any remaining unsecured debt gets discharged at the end.
The Frank Law Firm P.C. has been helping Long Island families navigate bankruptcy and debt relief for years. We understand the financial pressures that North Merrick residents face—from high property taxes to cost of living increases that outpace income growth.
Our practice focuses exclusively on bankruptcy and debt relief, which means we know every exemption available to protect your assets under New York law. We’ve filed hundreds of cases in Nassau County bankruptcy court and know exactly what trustees and judges expect.
You’ll work directly with an experienced bankruptcy attorney, not a paralegal or case manager. We believe you deserve clear answers about your options, not generic advice that doesn’t fit your specific situation.
Your free consultation covers everything—we’ll review your debts, assets, and income to determine if Chapter 7 or Chapter 13 makes more sense for your situation. You’ll leave knowing exactly what bankruptcy can and can’t do for you, with no pressure to decide immediately.
Once you’re ready to move forward, we handle all the paperwork and court filings. You’ll take a required credit counseling course online, which takes about an hour. We prepare your petition with detailed financial information and file it with Nassau County bankruptcy court.
The automatic stay takes effect immediately upon filing, stopping all collection activity. You’ll attend a meeting of creditors about a month later—it’s typically brief and straightforward. For Chapter 7 cases, you’ll receive your discharge in about four months. Chapter 13 cases involve a three to five year payment plan, but you’re protected from creditors throughout the entire process.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases, but we also provide foreclosure defense when you need to buy time or negotiate with your mortgage company. Many North Merrick homeowners benefit from loan modifications or payment plans that keep them in their homes without filing bankruptcy.
Our debt relief services include negotiating with creditors, stopping wage garnishments, and protecting exempt assets like retirement accounts and household goods. We know which debts can be discharged and which ones you’ll still owe after bankruptcy, so there are no surprises.
You’ll receive clear guidance on rebuilding credit after bankruptcy, including which secured credit cards work best and how to monitor your credit report for errors. Most clients see their credit scores improve within 12 to 18 months after discharge because their debt-to-income ratio drops dramatically.
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