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Get immediate relief from collection calls, wage garnishments, and foreclosure threats with experienced bankruptcy representation.
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When you file for bankruptcy, the automatic stay kicks in immediately. That means creditors must stop calling, collection agencies back off, and foreclosure proceedings halt. You can finally sleep through the night without worrying about losing your home or having your wages garnished.
Chapter 7 bankruptcy can eliminate most of your unsecured debts in just 3-4 months. Credit card balances, medical bills, personal loans, and old utility bills can all disappear completely. You keep essential assets like your home, car, and retirement accounts while getting the clean slate you need.
Chapter 13 bankruptcy works differently but can be even more powerful if you’re behind on mortgage payments. You get up to five years to catch up on what you owe while keeping your home. It’s debt reorganization that actually works because it has the force of federal law behind it.
The Frank Law Firm P.C. has been helping Oceanside families navigate financial crises for years. We focus exclusively on bankruptcy and debt relief cases, which means we understand every nuance of New York bankruptcy law and how local courts operate.
We have guided hundreds of clients through both Chapter 7 and Chapter 13 proceedings in Nassau County. We know which trustees are reasonable, how local judges prefer cases presented, and what documentation you need to avoid delays.
When you’re facing financial hardship, you need an attorney who has been there before and knows exactly how to protect your interests. The Frank Law Firm P.C. provides that experience with a straightforward approach that puts your needs first.
Your bankruptcy case starts with a free consultation where we review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 makes more sense for your situation. Most people know within 30 minutes which path gives them the best outcome.
Once you decide to move forward, we handle all the paperwork and court filings. You’ll need to provide financial documents like pay stubs, tax returns, and bank statements. We prepare your petition, schedules, and statement of financial affairs. The automatic stay begins the moment we file your case.
You’ll attend one meeting with the bankruptcy trustee about 30 days after filing. This meeting lasts 5-10 minutes and covers basic questions about your finances. We prepare you completely so you know exactly what to expect. After that, Chapter 7 cases typically receive discharge in 60-90 days. Chapter 13 cases begin your payment plan, which we help you manage throughout the process.
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The Frank Law Firm P.C. handles all types of consumer bankruptcy cases in Oceanside and throughout Nassau County. Chapter 7 liquidation cases eliminate most unsecured debts quickly. Chapter 13 reorganization cases allow you to keep property while paying back creditors over time.
Foreclosure defense is often part of bankruptcy strategy. If you’re behind on mortgage payments, Chapter 13 can stop foreclosure and give you years to catch up. Even if you want to surrender the property, bankruptcy eliminates any deficiency judgment the lender might pursue.
We also handle related debt issues like creditor lawsuits, wage garnishments, and asset protection planning. Many Oceanside clients face multiple financial problems at once. Having one attorney coordinate your entire debt relief strategy ensures nothing falls through the cracks and you get maximum protection under federal law.
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