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Get immediate protection from collections and foreclosure with experienced Saint Albans bankruptcy representation.
Hear from Our Customers
When you’re drowning in debt, you need more than temporary fixes. You need a legal solution that stops the harassment, protects your assets, and gives you a genuine fresh start.
Filing for bankruptcy triggers an automatic stay that immediately stops creditor calls, wage garnishments, and foreclosure proceedings. This isn’t just breathing room—it’s legal protection that gives you time to rebuild without constant pressure.
Chapter 7 bankruptcy can eliminate most of your unsecured debts in just 3-4 months, while Chapter 13 lets you keep your home and restructure payments over 3-5 years. Both options protect your retirement accounts and essential assets while clearing the path to financial stability.
The goal isn’t just getting out of debt—it’s positioning you to rebuild credit and make sound financial decisions moving forward.
We at The Frank Law Firm P.C. have been helping Saint Albans residents navigate financial crises with dignity and respect. We understand the unique challenges facing Queens County homeowners and the importance of protecting your family’s stability.
Our approach is straightforward: listen to your situation, explain your options in plain English, and execute the strategy that best protects your future. We’ve guided hundreds of New York families through bankruptcy proceedings, always focusing on what matters most to you.
Every case gets personal attention because we know this isn’t just about paperwork—it’s about your family’s security and peace of mind.
Your bankruptcy case starts with a free consultation where we review your debts, assets, and income to determine which chapter best fits your situation. We’ll explain exactly what you can expect and answer every question without legal jargon.
Once you decide to move forward, we handle all the paperwork and court filings. You’ll complete required credit counseling (we’ll guide you to approved providers), and we’ll prepare you for the meeting of creditors—a routine procedure that’s much less intimidating than it sounds.
For Chapter 7 cases, most clients receive their discharge in 3-4 months. Chapter 13 involves a payment plan confirmation, then you make manageable monthly payments while keeping your property. Throughout the process, we handle creditor communications so you can focus on rebuilding.
The automatic stay begins the moment we file, which means immediate relief from collection calls and legal actions.
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Our bankruptcy services include everything you need for comprehensive debt relief. We handle Chapter 7 liquidation cases for clients who qualify based on income and want to eliminate unsecured debts quickly. For homeowners behind on mortgage payments, Chapter 13 provides a structured way to catch up while stopping foreclosure.
Beyond bankruptcy filing, we provide foreclosure defense to protect your Saint Albans home. Many clients combine bankruptcy with foreclosure defense to maximize their options and buy time for the best possible outcome.
We also handle the required credit counseling coordination, asset protection planning, and creditor negotiations when appropriate. Our goal is addressing not just immediate debt problems but positioning you for long-term financial health.
Payment plans are available because we understand legal fees can be a concern when you’re already facing financial stress.
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