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The phone stops ringing. Your paycheck stays in your account. You sleep through the night without worrying about losing your house.
That’s what happens when you file for bankruptcy protection. The automatic stay kicks in immediately, stopping all collection activity, wage garnishments, and foreclosure proceedings. Your creditors can’t call, can’t sue, and can’t take your property.
You get breathing room to figure out your next move. Chapter 7 wipes out credit card debt, medical bills, and other unsecured obligations in about four months. Chapter 13 lets you catch up on your mortgage while paying a fraction of what you owe to other creditors over three to five years. Either way, you keep your home, your car, and your essential belongings while getting rid of the debt that’s been crushing you.
We at The Frank Law Firm P.C. have been helping Long Island families through financial crisis for years. We understand the unique pressures of living in Nassau County, where property taxes alone can break a family budget.
We’ve filed hundreds of bankruptcy cases in the Central Islip courthouse. We know the trustees, the procedures, and exactly what documentation you need to protect your assets. When you’re dealing with foreclosure or overwhelming debt, you need someone who’s been there before and knows how to get results.
You’ll work directly with an experienced bankruptcy attorney, not a paralegal or case manager. We return calls the same day and explain everything in plain English so you understand your options.
First, we meet for a free consultation to review your debts, income, and assets. We’ll determine whether Chapter 7 or Chapter 13 makes more sense for your situation, or if there’s another way to resolve your financial problems without filing bankruptcy.
If bankruptcy is your best option, we prepare and file your petition immediately. The automatic stay goes into effect as soon as we file, stopping all collection activity that same day. No more creditor calls, no more garnishments, no more foreclosure proceedings.
Next, we handle the meeting of creditors about six weeks later. This is a short, routine hearing where you answer basic questions about your finances under oath. We prepare you thoroughly so you know exactly what to expect. Most meetings last less than five minutes.
Finally, you receive your discharge order eliminating your qualifying debts. In Chapter 7, this happens about four months after filing. In Chapter 13, you complete your payment plan first, then get your discharge. Either way, you’re free to rebuild your financial life without the burden of overwhelming debt.
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We handle every type of bankruptcy case, from simple Chapter 7 liquidations to complex Chapter 13 reorganizations. If you’re behind on your mortgage, we can file Chapter 13 to stop foreclosure and give you up to five years to catch up on missed payments while keeping your home.
For families with primarily credit card and medical debt, Chapter 7 eliminates those obligations in about four months while protecting your house, car, retirement accounts, and other essential assets. We know exactly how to use New York’s exemption laws to keep you from losing your property.
We also provide foreclosure defense services for homeowners who aren’t ready to file bankruptcy but need to fight wrongful foreclosure proceedings. Sometimes the bank made mistakes in the paperwork or violated federal lending laws, giving you grounds to challenge the foreclosure and negotiate a better outcome.
Every case includes a thorough review of your debts to identify any violations of the Fair Debt Collection Practices Act or other consumer protection laws. If creditors have been harassing you illegally, we can turn the tables and make them pay you damages.
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