Call Now: 516-246-557724/7 Emergency Services
Get immediate protection from creditors and keep what matters most to you.
Hear from Our Customers
You sleep through the night without jumping at every phone ring. Your paycheck stays in your account instead of disappearing to garnishments. The foreclosure notice stops haunting your mailbox.
Bankruptcy isn’t about losing everything—it’s about keeping what you need while eliminating what’s drowning you. Most clients keep their home, car, and retirement accounts while wiping out credit card debt, medical bills, and other unsecured obligations.
The automatic stay kicks in the moment we file your case. Every collection call stops. Every lawsuit freezes. Every garnishment ends. You get breathing room to rebuild instead of constantly treading water.
The Frank Law Firm P.C. has been helping Long Island families navigate bankruptcy law for years. We know the local courts, understand New York’s exemption laws, and have seen every type of financial situation Sayville residents face.
You work directly with an experienced bankruptcy attorney—not a paralegal or case manager. We explain your options in plain English, handle all court appearances, and make sure you understand each step of the process.
Our office serves Sayville and surrounding Suffolk County communities. We understand the local housing market, employment challenges, and financial pressures that bring families to our door.
First, we meet for a free consultation to review your debts, assets, and income. We determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. Chapter 7 eliminates most debts in 3-4 months. Chapter 13 creates a 3-5 year payment plan that lets you keep your home while catching up on missed payments.
Next, we prepare and file your bankruptcy petition with the court. The automatic stay goes into effect immediately, stopping all collection activities. We handle the required credit counseling, gather necessary documents, and prepare you for the meeting of creditors.
Finally, you complete the process and receive your discharge. Most unsecured debts disappear completely. You keep protected assets and start rebuilding your financial life with a clean slate.
Ready to get started?
We handle both Chapter 7 and Chapter 13 bankruptcy cases for individuals and married couples. Chapter 7 liquidation eliminates most unsecured debts quickly for those who qualify based on income. Chapter 13 reorganization works better for homeowners behind on mortgage payments or those with higher incomes.
Our service includes foreclosure defense when needed. We can stop foreclosure proceedings and negotiate with mortgage companies to modify loan terms or create catch-up payment plans through your bankruptcy case.
Every case includes thorough asset protection planning using New York’s bankruptcy exemptions. We make sure you keep your home equity, vehicle, retirement accounts, and personal property while eliminating debt that’s crushing your budget.
Local Resources