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Get immediate relief from collection calls and foreclosure threats with experienced bankruptcy representation in Oak Island.
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The phone calls stop immediately. That’s what happens when you file for bankruptcy – an automatic stay goes into effect that legally prohibits creditors from contacting you, garnishing your wages, or taking any collection action.
Your mortgage payments become manageable again. Through Chapter 13 bankruptcy, you can catch up on missed payments over three to five years while keeping your home. No more sleepless nights wondering if you’ll lose everything you’ve worked for.
Your credit cards, medical bills, and other unsecured debts get wiped clean. Chapter 7 bankruptcy eliminates these debts entirely, giving you the breathing room to rebuild your financial life without drowning in monthly payments that never seem to make a dent in the principal.
The Frank Law Firm P.C. has been helping Oak Island and Long Island families navigate financial crises with dignity and success. We understand the unique challenges facing Nassau County residents – from high property taxes to cost of living pressures that can push even responsible families into debt.
You’ll work directly with an experienced bankruptcy attorney, not a paralegal or assistant. We take the time to explain your options clearly, prepare all paperwork correctly, and represent you in court proceedings.
Our Oak Island office serves families throughout Nassau County who need real solutions, not empty promises. We’ve successfully stopped foreclosures, eliminated overwhelming debt, and helped hundreds of clients rebuild their financial lives.
Your consultation is free and confidential. We’ll review your debts, income, assets, and goals to determine whether Chapter 7 or Chapter 13 bankruptcy is right for your situation. You’ll leave with a clear understanding of your options and what to expect.
Once you decide to move forward, we handle all the paperwork. This includes gathering financial documents, completing the bankruptcy petition, and filing everything with the Nassau County bankruptcy court. The automatic stay takes effect immediately upon filing.
We represent you at the meeting of creditors and any court hearings. Most Chapter 7 cases are complete within four months. Chapter 13 cases involve a payment plan that we help you design based on your budget and goals. Either way, you’ll have experienced legal representation every step of the way.
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Chapter 7 bankruptcy eliminates credit card debt, medical bills, personal loans, and other unsecured debts completely. If you qualify based on income and assets, your debts are discharged within months, not years. You keep essential assets like your home, car, and retirement accounts through New York’s generous exemption laws.
Chapter 13 bankruptcy stops foreclosure and gives you up to five years to catch up on missed mortgage payments. Your other debts are consolidated into one affordable monthly payment. At the end of your plan, remaining unsecured debts are discharged.
Foreclosure defense can buy you time and leverage to negotiate with your lender or pursue bankruptcy protection. We examine your mortgage documents for violations and represent you in foreclosure court. Many clients use this time to explore loan modifications or prepare for a strategic bankruptcy filing.
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