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Stop the calls, save your home, and start fresh with experienced bankruptcy representation in Wincoma.
Hear from Our Customers
You wake up without that knot in your stomach. The phone stops ringing with collection calls every hour. Your paycheck stays in your account instead of getting garnished.
That’s what real debt relief looks like. When you file for bankruptcy in Wincoma, you get an automatic stay that immediately stops creditors from harassing you, foreclosing on your home, or seizing your wages.
Chapter 7 bankruptcy can discharge most of your unsecured debts in just 3-4 months. Credit cards, medical bills, personal loans – gone. Chapter 13 lets you keep your home while catching up on missed mortgage payments through a manageable payment plan. You choose the path that fits your situation, not what some debt consolidation company thinks will make them the most money.
The Frank Law Firm P.C. has been helping Wincoma families navigate bankruptcy and debt relief for years. We understand New York’s bankruptcy exemptions and how to protect your assets during the process.
You’re not getting a cookie-cutter approach here. Every case is different, and we take time to understand your specific financial situation before recommending Chapter 7 or Chapter 13. We’ve seen what works and what doesn’t in New York bankruptcy court.
Most importantly, we don’t judge. Financial hardship happens to good people – job loss, medical emergencies, divorce, business failure. Our job is to get you the fresh start you deserve under federal bankruptcy law.
First, we meet for a free consultation to review your debts, income, and assets. We’ll determine if you qualify for Chapter 7 or if Chapter 13 makes more sense for your situation. No surprises, no pressure – just honest advice about your options.
Once you decide to move forward, we prepare and file your bankruptcy petition with the court. The automatic stay goes into effect immediately, which means creditors must stop all collection activities. No more calls, no more garnishments, no more foreclosure proceedings.
For Chapter 7, you’ll attend a meeting of creditors about 30 days after filing. It’s usually quick and straightforward – the trustee asks basic questions about your finances. Most people get their discharge in 3-4 months. Chapter 13 involves confirming your repayment plan and making monthly payments for 3-5 years, but you keep your property and catch up on missed mortgage payments.
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When you work with us, you get comprehensive bankruptcy representation that covers everything. We handle the paperwork, deal with creditors, and represent you in court. You focus on moving forward with your life.
Our service includes foreclosure defense if you’re behind on mortgage payments. Filing bankruptcy can stop a foreclosure in its tracks and give you time to catch up through a Chapter 13 plan. We know how to use New York’s homestead exemption to protect your home equity.
We also help you understand which debts will be discharged and which ones won’t. Student loans and recent taxes usually survive bankruptcy, but credit cards, medical bills, and personal loans typically get wiped out completely. You’ll know exactly where you stand before we file anything.
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