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Hear from Our Customers
The phone stops ringing. You sleep through the night without wondering which bill collector will call tomorrow.
Your paycheck stays in your account instead of getting garnished. You can actually plan a budget around money that’s yours to keep.
If you’re behind on your mortgage, Chapter 13 gives you up to five years to catch up while keeping your home. Credit card debt, medical bills, and other unsecured debts can be eliminated entirely through Chapter 7, or reduced significantly in Chapter 13. You’re not just buying time – you’re getting a genuine fresh start that lets you rebuild your financial life the right way.
The Frank Law Firm P.C. has been helping Long Island families navigate bankruptcy for years. We understand the specific challenges Oak Beach residents face – high property values, expensive living costs, and the stress of protecting your home.
We file cases in the Eastern District of New York bankruptcy court regularly. We know the local trustees, understand how they operate, and can guide you through the process without surprises.
Your situation isn’t unique to us, but your solution will be tailored to your specific circumstances and goals.
First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 makes more sense for your situation, or if there are alternatives to bankruptcy that might work better.
Once you decide 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 file your petition, which immediately triggers the automatic stay – stopping all collection activities against you.
About a month later, you’ll attend a brief meeting of creditors where a trustee asks basic questions about your finances. In most Chapter 7 cases, you’ll receive your discharge in about four months. Chapter 13 cases involve a repayment plan that lasts three to five years, but you get immediate protection and keep your assets.
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We handle everything from start to finish. That means preparing and filing all bankruptcy documents, representing you at the meeting of creditors, and responding to any trustee requests or creditor objections.
For Oak Beach homeowners, we pay special attention to protecting your property. Long Island real estate values can complicate bankruptcy cases, but we know how to use available exemptions to safeguard your home equity. We also coordinate with mortgage servicers to ensure Chapter 13 payment plans are structured properly.
You’ll get direct access to our office throughout your case. We return calls promptly and explain what’s happening at each stage. No surprises, no hidden fees, and no passing your case off to paralegals for important decisions.
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