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Get immediate debt relief protection and keep what matters most to you with experienced bankruptcy representation.
Hear from Our Customers
The phone stops ringing with collection calls. Your paycheck stays in your account instead of being garnished. 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 reorganizing payments you can actually afford.
Most people don’t realize bankruptcy protection starts immediately. The moment we file your case, creditors must stop all collection activities by law. No more threatening letters, no more wage garnishment, no more foreclosure proceedings moving forward.
The Frank Law Firm P.C. has been helping South Richmond Hill residents navigate financial crises for years. We understand the economic pressures facing working families in Queens and the complexity of New York bankruptcy courts.
Every bankruptcy case is different. Medical emergencies, job loss, business failure, divorce – we’ve seen how quickly financial stability can disappear through no fault of your own. That’s why we focus on practical solutions that protect what you’ve worked to build.
Our approach is straightforward: evaluate your complete financial picture, explain your options clearly, and execute the strategy that gives you the best fresh start possible.
First, we meet for a free consultation to review your debts, income, and assets. This helps us determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation. We’ll also identify any property or accounts that need special protection.
Next, we prepare and file your bankruptcy petition with the court. This immediately triggers the automatic stay, which stops all collection activities against you. Creditors must cease phone calls, letters, lawsuits, and foreclosure proceedings.
Finally, you’ll attend a meeting of creditors where you’ll answer basic questions about your financial situation under oath. Most meetings last less than 10 minutes. After completing any required courses, you’ll receive your discharge order eliminating eligible debts.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases for South Richmond Hill residents. Chapter 7 eliminates most unsecured debts in 3-4 months, while Chapter 13 creates a 3-5 year payment plan that lets you keep your home and catch up on mortgage payments.
Foreclosure defense is often part of our bankruptcy strategy. If you’re behind on mortgage payments, Chapter 13 can stop foreclosure and give you time to become current. We work directly with mortgage companies to negotiate realistic payment arrangements.
Our services include complete preparation of all bankruptcy paperwork, representation at court hearings, creditor negotiations, and guidance through the entire process. You’ll know what to expect at every step, and we handle all communication with creditors and the court system.
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