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Stop the calls, save your home, and start fresh with experienced bankruptcy guidance in Selden.
Hear from Our Customers
You sleep through the night without worrying about the phone ringing. Your paycheck stays in your account instead of getting garnished. The foreclosure notice stops hanging over your head like a storm cloud.
That’s what happens when you file for bankruptcy the right way. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in as little as four months. Chapter 13 bankruptcy lets you keep your house while catching up on missed mortgage payments over three to five years.
The harassment stops immediately. Once you file, creditors legally cannot contact you. No more calls during dinner. No more letters threatening legal action. The automatic stay protection kicks in the moment your case is filed, giving you breathing room to rebuild.
The Frank Law Firm P.C. has been helping Long Island families navigate bankruptcy for years. We know the local trustees, understand how New York exemptions work, and have guided hundreds of clients through both Chapter 7 and Chapter 13 cases.
You’re not getting a cookie-cutter approach here. Every case is different, and we take time to understand your specific situation before recommending any action. Some clients need Chapter 7 for a complete fresh start. Others benefit more from Chapter 13 to save their home and catch up on payments.
We practice exclusively in New York, so we understand the state-specific rules that can make or break your case. Property exemptions, income requirements, and local court procedures all matter when you’re trying to protect your assets and get the best possible outcome.
First, we meet for a free consultation to review your debts, income, and assets. This isn’t a sales pitch – it’s an honest assessment of whether bankruptcy makes sense for your situation. Sometimes there are better alternatives, and we’ll tell you that upfront.
If bankruptcy is the right move, we’ll determine whether Chapter 7 or Chapter 13 fits your needs better. Chapter 7 works for people who pass the means test and want to eliminate debt quickly. Chapter 13 works better if you’re behind on mortgage payments or have assets you need to protect.
We handle all the paperwork, attend the creditors’ meeting with you, and guide you through any additional requirements. Most Chapter 7 cases are complete within four months. Chapter 13 cases involve a payment plan that lasts three to five years, but you get immediate protection from creditors while you catch up on secured debts like your mortgage.
Ready to get started?
Bankruptcy isn’t just about filing paperwork. It’s about creating a comprehensive strategy to deal with your specific debt situation. We handle Chapter 7 liquidation cases, Chapter 13 reorganization plans, and foreclosure defense when you need to buy time to explore your options.
Every case includes a thorough review of your assets to maximize exemptions under New York law. Your retirement accounts, primary residence equity, vehicle, and personal property all have specific protections we can use to your advantage. We also review your income and expenses to ensure you qualify for Chapter 7 or structure an affordable Chapter 13 payment plan.
You get direct access to an experienced bankruptcy attorney, not a paralegal or case manager. We return calls promptly, explain each step of the process clearly, and make sure you understand your options before making any decisions. Our goal is to get you the best possible outcome while protecting as much of your property as legally possible.
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