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Get immediate relief from debt stress with an experienced bankruptcy attorney who fights for Shirley families.
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When debt becomes overwhelming, bankruptcy isn’t failure—it’s a legal tool designed to give you breathing room. You can stop the constant creditor calls that interrupt family dinners and wake you at night. The automatic stay kicks in the moment we file, creating an immediate shield between you and collection agencies.
Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and other unsecured obligations in as little as four months. Chapter 13 lets you keep your home while reorganizing payments you can actually afford. Both options protect your retirement accounts, basic household goods, and the essentials you need to rebuild.
You don’t have to choose between paying the mortgage and buying groceries. There’s a legal path forward that stops the financial bleeding and gives you space to breathe again.
At The Frank Law Firm P.C., we have guided hundreds of Long Island families through financial crisis. We understand how quickly medical emergencies, job loss, or business setbacks can turn manageable debt into an impossible burden.
Our practice focuses exclusively on bankruptcy and debt relief, which means we know every detail of New York’s exemption laws and how to protect your assets. We’ve appeared in Suffolk County bankruptcy court countless times and maintain strong working relationships with trustees and court staff.
You’re not just another case file. We take time to understand your specific situation and explain your options in plain English, without legal jargon that confuses more than it helps.
Your bankruptcy process starts with a free consultation where we review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy better fits your situation, or if there are alternatives worth exploring first.
Once you decide to move forward, we handle all the paperwork and filing requirements. This includes the petition, schedules of assets and debts, income statements, and required financial documents. We also ensure you complete the mandatory credit counseling course before filing.
After filing, the automatic stay immediately stops collection actions, foreclosure proceedings, and wage garnishments. You’ll attend a meeting of creditors about 30 days later—a brief, routine proceeding where the trustee asks basic questions about your finances. Most Chapter 7 cases receive a discharge within four months, while Chapter 13 cases involve a three to five-year repayment plan that lets you catch up on mortgage arrears while eliminating other debts.
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Our bankruptcy services cover both Chapter 7 liquidation and Chapter 13 reorganization cases. We also handle foreclosure defense when you need more time to explore options or when lenders haven’t followed proper procedures.
Many Shirley residents benefit from Chapter 13 bankruptcy because it allows them to keep their homes while catching up on missed mortgage payments over three to five years. We calculate payment plans based on your actual income and necessary expenses, not what creditors demand.
For those who qualify, Chapter 7 bankruptcy provides faster relief by eliminating most unsecured debts entirely. We protect your exempt property—including your primary residence up to New York’s homestead exemption, retirement accounts, basic household furnishings, and tools needed for work. The goal is always to preserve what you need for a stable foundation while eliminating the debt that’s holding you back.
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