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Get immediate relief from debt collectors and protect your family’s financial future with experienced bankruptcy representation.
Hear from Our Customers
You wake up without that knot in your stomach. The phone isn’t ringing with collection calls. Your paycheck stays in your account instead of getting garnished.
Filing for bankruptcy isn’t about giving up—it’s about getting your life back. When you eliminate unsecured debts like credit cards and medical bills, you free up hundreds or thousands of dollars each month. Money that can go toward your mortgage, your kids’ needs, or just building a small emergency fund again.
The constant stress lifts. You can answer your phone without checking the caller ID first. You can open your mail without dreading what’s inside. Most importantly, you can start planning for your family’s future instead of just surviving each month.
The Frank Law Firm P.C. has been helping Utopia families navigate financial crises for years. We know the local bankruptcy court procedures, the trustees, and exactly what documentation you need to succeed.
You’re not getting a cookie-cutter approach here. Every case gets individual attention because every family’s situation is different. We’ve seen it all—job loss, medical emergencies, divorce, business failures—and we know how to protect what matters most to you.
Our office is right here in Utopia, so you’re working with someone who understands the local economy and the challenges families face in this area.
First, we sit down for a free consultation to review your debts, income, and assets. No judgment, just facts. We’ll determine whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.
If Chapter 7 is right for you, we can eliminate most unsecured debts in about four months. If Chapter 13 works better, we’ll create a payment plan based on what you can actually afford—not what creditors are demanding.
Once we file your case, creditors must stop calling immediately. No more collection letters. No more wage garnishments. The automatic stay protection kicks in right away, giving you breathing room to get organized. We handle all the paperwork, court appearances, and communication with trustees so you can focus on moving forward.
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You get complete bankruptcy representation from filing to discharge. We prepare all required documents, represent you at the meeting of creditors, and handle any issues that come up during your case.
If you’re behind on your mortgage, we can often use Chapter 13 to stop foreclosure and give you time to catch up on payments. For families facing immediate foreclosure, this protection can save your home while we work out a manageable payment plan.
We also provide foreclosure defense services separate from bankruptcy when that makes more sense. Sometimes challenging the foreclosure process directly is the better strategy, and we’ll tell you honestly which approach gives you the best chance of keeping your home.
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