Bankruptcy Lawyer in San Remo, NY

Stop Creditors and Eliminate Debt Today

Get immediate protection from harassment and a clear path to financial freedom with experienced bankruptcy representation.

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Chapter 7 Bankruptcy Attorney

What Your Life Looks Like After

The phone stops ringing with collection calls. Your wages stay in your paycheck instead of going to creditors. You sleep through the night without worrying about losing your home.

That’s what happens when you file for bankruptcy with proper legal guidance. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans completely. Chapter 13 bankruptcy lets you keep your home while creating a manageable payment plan.

You’re not just getting rid of debt—you’re getting your life back. No more choosing between groceries and minimum payments. No more avoiding the mailbox or screening every phone call.

San Remo Bankruptcy Law Firm

We Know New York Bankruptcy Law

The Frank Law Firm P.C. has been helping San Remo families navigate bankruptcy for years. We understand the local courts, the judges, and exactly what it takes to get your case approved quickly.

You’re not getting a cookie-cutter approach here. Every situation is different, and we take time to understand your specific circumstances before recommending Chapter 7 or Chapter 13.

We’ve seen every type of debt problem—from medical emergencies that spiraled out of control to business failures to simple overspending that got out of hand. No judgment. Just solutions.

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How to File for Bankruptcy

Here's Exactly What Happens Next

First, we sit down for a free consultation to review your debts, income, and assets. We’ll determine if Chapter 7 or Chapter 13 makes more sense for your situation.

Once you decide to move forward, we prepare and file your bankruptcy petition with the court. This immediately triggers the automatic stay—creditors must stop all collection activity right away.

You’ll attend a meeting of creditors about 30 days later. Don’t worry—it’s usually brief and straightforward. We’ll prepare you for exactly what to expect.

For Chapter 7, you’ll typically receive your discharge in about four months. Chapter 13 cases involve a 3-5 year repayment plan, but you get immediate protection and keep your assets.

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Debt Relief Lawyer Services

Complete Bankruptcy and Debt Relief

We handle every aspect of your bankruptcy case from start to finish. That includes reviewing all your debts to make sure nothing gets missed, preparing the extensive paperwork correctly, and representing you at all court proceedings.

Beyond bankruptcy, we also provide foreclosure defense for homeowners facing sheriff sales. Sometimes bankruptcy isn’t the right answer—we might be able to negotiate payment plans or loan modifications instead.

You’ll get honest advice about which option gives you the best outcome. If bankruptcy isn’t right for your situation, we’ll tell you. Our job is to solve your problem, not sell you services you don’t need.

attorney and client meeting.
Chapter 7 bankruptcy costs include a $338 court filing fee plus attorney fees, which typically range from $1,500 to $3,000 depending on case complexity. Chapter 13 cases have a $313 filing fee and higher attorney fees due to the longer process. We offer payment plans because we understand you’re already dealing with financial stress. During your free consultation, we’ll give you exact pricing based on your specific situation with no hidden fees or surprises.
Not necessarily. New York’s homestead exemption protects up to $170,825 of home equity in most cases. If you’re current on mortgage payments and don’t have excessive equity, you can usually keep your home in Chapter 7. Chapter 13 is specifically designed to help you catch up on mortgage payments while keeping the house. We’ll analyze your home’s value, mortgage balance, and equity to determine the best strategy for protecting your property.
Chapter 7 bankruptcy typically takes 4-6 months from filing to discharge. You’ll get the automatic stay protection immediately when we file, so creditors stop calling right away. Chapter 13 cases involve a 3-5 year repayment plan, but you get immediate protection and can start rebuilding credit during the plan. The meeting of creditors happens about 30 days after filing, and most people find it much less stressful than expected.
Yes, the automatic stay goes into effect the moment we file your bankruptcy petition. All collection calls, wage garnishments, bank account freezes, and foreclosure proceedings must stop immediately. Creditors who violate the automatic stay can face penalties from the bankruptcy court. This gives you breathing room to get your finances organized without constant harassment. The relief is immediate and legally enforceable—creditors can’t ignore it.
Chapter 7 eliminates most unsecured debts completely in about four months. You might have to give up non-exempt assets, but most people keep everything they need. Chapter 13 creates a 3-5 year repayment plan based on your income, letting you keep all assets while catching up on mortgage or car payments. Chapter 7 works best if you have limited income and want a fresh start. Chapter 13 is better if you have regular income and want to save your home from foreclosure.
Bankruptcy stays on your credit report for 7-10 years, but the impact decreases over time. Many clients see their credit scores improve within 1-2 years because they’re no longer carrying overwhelming debt loads. You can start rebuilding immediately with secured credit cards and responsible financial habits. Most people find that bankruptcy actually helps their credit faster than struggling with minimum payments for years. The key is using bankruptcy as a fresh start, not a temporary fix.

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