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Debt Collection Attorney Long Island, NY

Owed Money on Long Island? You're Not Alone.

Chasing unpaid invoices wears you down. Talk to a debt collection attorney on Long Island, NY who listens first: 516-246-5577.

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THE FRANK LAW FIRM, P.C.

Your next chapter.
Our personal attention.

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Why Long Island Creditors Choose The Frank Law Firm P.C.

Small Invoices Welcome

We take single high-value debts and multiple smaller accounts with equal diligence, so a modest invoice never gets pushed aside.

Bankruptcy Law Under One Roof

Because we also practice bankruptcy law, we can judge how a debtor's possible filing affects your claim before you sue.

Offices in Nassau and Suffolk

Visit us in Old Brookville or Huntington, call 516-246-5577, or ask about weekend appointments if weekdays are packed.

Licensed in Three States

We're licensed in New York, New Jersey and Florida, so a debtor who relocates doesn't automatically end your options.

Creditor Rights Attorney Long Island, NY

Every Unpaid Invoice Deserves a Real Plan

If you're searching for a debt collection attorney on Long Island, you've probably done the polite part already. You've sent the invoices, made the calls and waited. We pick it up from there with a demand letter, a lawsuit if it comes to that, and enforcement after a judgment.

That covers contractors in Hempstead, professional practices in Smithtown, landlords and suppliers in Islip, and lenders across Nassau and Suffolk. Some firms set high minimums on claim size. As a creditor rights attorney on Long Island, we take a single large debt or several smaller accounts with equal diligence.

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Talk through your options

Collections Attorney Long Island, NY

Get Back to Running Your Business

Hand off the calls, letters and court filings, and spend your time on customers who actually pay.
You stop rewriting the same follow-up email and wondering whether this is the week the customer finally pays.
A letter from our firm often gets the response your own reminders never did, with no courtroom needed.
You learn early whether a debtor looks collectible, so you don't pay legal fees chasing money that isn't there.
If a customer files for bankruptcy mid-collection, you already have an attorney who knows what to file and when.
Old invoices stop sitting in accounts receivable for years, because each one gets a clear next step.
You talk with a Long Island collections attorney who explains things in plain English, not a case manager reading from a script.

IN OUR CLIENTS’ WORDS

Our Client
Testimonials

More client testimonials ↗
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The Frank Law Firm provided me with legal advice and guidance during a difficult situation. I came to them to review and explain a legal contract I had signed. Amanda was very knowledgeable and explained the document thoroughly. She was very reassuring, and honest in answering all my questions. I would highly recommend to anyone seeking legal representation to reach out to this firm.
Alyssa S

Creditor Rights Lawyer Long Island, NY

From Demand Letter to Payment, Step by Step

  1. Review Your Claim Together
    We look at your paperwork, the debtor's situation and any bankruptcy risk, then tell you honestly whether collection makes sense.
  2. Send a Demand Letter
    A clear letter from our firm often settles things without conflict, and it protects your customer relationship and reputation.
  3. Sue and Enforce the Judgment
    If payment still doesn't come, we pursue a judgment, then use the enforcement tools New York law allows.
A CONVERSATION IS A START

Let’s talk about
what comes next.

Call 516-246-5577 ↗
A LITTLE CLARITY

Frequently asked
questions.

Have a question about your situation? Start with a conversation.

Ask our team
How much does a debt collection attorney on Long Island charge?

We don't publish a price list, because the right structure depends on the size of the claim, how collectible the debtor looks, and whether we expect to settle it with a letter or end up in court. What we will do is explain how fees work before you commit to anything, and tell you plainly if the cost of chasing a balance would eat most of what you'd recover. Call 516-246-5577 and bring your invoices, contracts and any emails with the debtor. We can usually give you a realistic read from those alone.

Is it worth suing over a small unpaid invoice on Long Island?

Sometimes yes, sometimes no, and we'll tell you which. The dollar amount is only part of it. What matters just as much is whether the customer can actually pay, how strong your paperwork is, and what it would take to get there. Often a firm demand letter settles a smaller claim without a lawsuit. We treat modest accounts from Long Island businesses with the same care as large ones. If the numbers don't work, we'll say so before you commit to litigation.

What is the time limit for suing over unpaid debt in New York?

It depends on the type of debt. For consumer credit transactions, New York's Consumer Credit Fairness Act cut the time limit to three years, effective April 7, 2022, and a later payment or acknowledgment of the debt doesn't revive an expired one. Other written contracts generally carry a six-year limit under CPLR 213(2), though the answer turns on your facts. For a Long Island business with aging invoices, the practical lesson is simple: every month you wait narrows your options. Call us before you assume you still have time.

What happens to my unpaid invoice if the customer files for bankruptcy?

Your claim isn't always lost, and this is where our bankruptcy practice helps. When a debtor files, collection efforts generally have to stop while the case is open, and whether you're paid in part depends on the type of debt and what the debtor owns. Bankruptcy cases for Long Island residents and businesses are handled in the Eastern District of New York, and timing and proper filings can affect your position. Because we handle both bankruptcy and creditor matters, we weigh that risk before you sue, not after. If a customer is already struggling, call us early.

Can a Long Island creditor rights attorney freeze a bank account or garnish wages?

Usually not until you have a judgment. Once you do, New York law gives creditors tools such as bank levies, income executions against wages, and liens, and we choose among them based on what the debtor actually has. The law limits how much of a paycheck can be taken, so wage garnishment is rarely a quick fix. A judgment also isn't a promise of payment, which is why we look at collectability early. A creditor rights attorney on Long Island should be upfront about that, and we are.

I'm being sued by a debt collector in New York. What should I do?

Don't ignore it. A summons comes with a deadline to respond, and missing it can lead to a default judgment, which can mean a frozen bank account or garnished wages down the road. Collectors in New York must also send a validation notice within five days of first contact, so check what you received and keep every letter. If you're in Nassau or Suffolk and looking for a debt collection defense attorney on Long Island, bring the papers to our Old Brookville or Huntington office or call 516-246-5577. We'll review what you were served, explain your options and be honest about what we can and can't do.

LET’S MOVE FORWARD

A clearer next step
starts with a conversation.