Litigators Who Know Both Sides
Thomas J. Frank has represented debtors, creditors, and trustees, so we know how the other side builds its case and where to press back.
24/7 Emergency Services
71 New Street Huntington, NY 11743, NY
A summons is frightening, but you have options. Our credit card lawsuit defense lawyer on Long Island can help you understand them before your answer deadline passes.
Long Island Credit Card Attorney
If a process server handed you a summons and complaint, a card issuer or debt buyer has asked a New York court for a judgment against you. Check the papers for your answer date. You may have as little as 20 days, and if that date passes with no response, the court can rule against you without hearing your side.
As a credit card lawsuit defense lawyer on Long Island, we help people in Nassau and Suffolk answer the complaint, make the plaintiff prove its case, and choose between fighting, settling, and bankruptcy. You don't need a plan before you call. Calling early is usually the plan.
Credit Card Defense Long Island
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.
Thomas Frank came highly recommended by an attorney I trust and represented me in a complex matter against a large business entity represented by a large NYC firm. He immediately grasped the nature and scope of my case and came up with a brilliant, linear strategy in short order. Just as swiftly, Thomas strategically executed on each step. I have worked with white glove law firms and have never found the level of consistency and professionalism that Thomas provided in his capacity of counsel. He literally made zero mistakes, even in the moments of game time decisions in the courtroom. Not only that, his creativity and judgement led to an outcome that exceeded my expectations, and, as a human being, he was an absolute pleasure to work with. I cannot recommend Thomas Frank highly enough!
We came to Frank Law Firm because our original attorney put us in a scenario where everything was mismanaged. Amanda quickly cleaned up our previous attorneys mess and put us back on track. From day one they were very transparent about their process and fees. They provided fantastic guidance for us as new home owners. The team was highly responsive and often took time to ensure we fully understood potential outcomes and next steps. Overall we would work with them again and recommend to friends.
Amanda was a pleasure to work with!!! Selling and buying a home at the same time is very stressful too begin with and my experience was very difficult and stressful to say the least. Amanda was so patient, always available, and very knowledgeable to every question and concern that I had. I was truly blessed to have her represent me with both of my transactions. I would definitely recommend The Frank Law Firm to anyone that is looking for the best lawyers out there!!!
Amanda was extremely attentive and followed up on everything promptly. The law firm was professional and courteous and I highly recommend it.
Top of the line customer service. Helped me get my moving violation dismissed and I didn't have to do anything ! Was certain I would get in some trouble but was completely shocked when I received the news that it was completely dismissed. In the past with other law firms I paid a lot of money to only get the penalty months later. The Frank Law Firm dealt with my situation in the most kind and professional way. Very nice people.
Top of the line customer service. Helped me get my moving violation dismissed and I didn't have to do anything ! Was certain I would get in some trouble but was completely shocked when I received the news that it was completely dismissed. In the past with other law firms I paid a lot of money to only get the penalty months later. The Frank Law Firm dealt with my situation in the most kind and professional way. Very nice people.
Thomas Frank was a pleasure to work with. The experience was nothing but a professional one. Mr. Frank guided me through the whole process of Chapter 7 bankruptcy. He was always available to reach by email or texting at any time that I contacted him. He never failed to get back to me within hours. I highly recommend Mr. Frank for all of your legal issues. Also, you'll find their price for their legal services to be more than fair. Again, a great big thank you to a professional and knowledgeable team.
I needed an attorney quick fast and in a hurry. My girlfriend recommended this firm. I called and Amanda got back to me quickly. She researched my issue and gave me good guidance. She is a former prosecutor but able to explain convoluted legal concepts in a very straight forward way. We didn't wind up retaining the firm due to the time contraints of our case, but I know we will be working with them in the future. Give them a call, I think you will like what you hear.
I would like to thank Thomas in handling my first time home buying experience with his law firm. He was very polite and very professional. He even took the time to explain to me page by page about some documents I received from the seller, which by the way it was on his spare time to answer all of my concerns about those documents. He responded on every email and text that I had questions and concerns and I got answers. Thomas made himself accessible and told me if I have any other closing related issues pertaining any documents to give him a call. Thank you once again on doing a great job. I would highly recommend Thomas Frank and his law firm.
I retained Frank Law Firm when I received a warrant for an unpaid ticket. Not knowing the severity of this issue, I called and consulted Amanda. Before giving me any direction, she took the time to make some calls and figure out what exactly was going on. She then guided me through the process. She was very comforting and explained everything in a manor that I understood. I would like to send a sincere thank you to her and Frank Law Firm. The amount of attention and guidance I received was refreshing. I would recommend them to anyone!
The Frank Law firm has helped me and my family tremendously. Amanda has been nothing but a blessing with her vast knowledge and resources, Me and My family were very satisfied with their service. Would definitely recommended them.
I'm a real estate investor in NY and I honestly could not ask to partner up with any firm better than the incredible people at Frank Law Firm. There passion, love and dedication for what they do is evident. I can't thank them enough for everything they have helped me with so far and we are only going to grow from here...
Long Island Credit Card Judgments
A report from the New York City Bar Association found that about 96% of people sued over consumer debt had no lawyer, while the companies suing them always did. In one year, roughly 41% of those cases ended in default judgments.
A default judgment on Long Island can lead to wage garnishment, a frozen bank account, and a lien on property. On Long Island, where property taxes and utility bills already squeeze many households, that lands hard. Our credit card judgment defense on Long Island starts before any of that happens. If a judgment already exists, we'll look at whether it can be challenged. Having a credit card debt defense attorney on Long Island in your corner means someone is watching the dates.
Debt Collection Defense Long Island
Many card lawsuits on Long Island come from debt buyers rather than the bank that issued your card. A statewide analysis of 2011 filings found debt buyers filed more than half of the suits. So before anything else, we ask who owns the debt, whether they can show how it reached them, and whether the amount matches the original agreement.
We also check the calendar. Since April 7, 2022, New York's Consumer Credit Fairness Act has limited these suits to three years from default, and a payment after that can't revive the debt. A collector can still sue over an old balance, though, and the time limit only helps if it's raised in your answer. Talk to a debt collection defense lawyer on Long Island before you send a payment.
Thomas J. Frank started his career at a boutique bankruptcy firm in Syosset and has represented debtors, creditors, and trustees, litigating in state and federal court. That shapes our credit card legal defense on Long Island. We know how the other side builds a case, so we know where to press.
Long Island Lawsuit Defense Process
Have a question about your situation? Start with a conversation.
Ask our teamIf the papers were handed to you in person in New York, you generally have 20 days to answer. If they were delivered another way, it's usually 30 days. Check your papers for how and when you were served, because the clock starts from that date. Courts on Long Island, NY follow the same statewide rules whether your case is in Nassau or Suffolk County, so living in one county or the other doesn't buy you extra time. Don't wait for a second notice or a collection letter. Call us as soon as you have the summons. Our first job is to confirm your exact date and get your answer filed on time.
The lawsuit doesn't go away. If you don't answer, the other side can ask for a default judgment, and the court can grant it without hearing from you. That can lead to wage garnishment, a restraint on your bank account, a lien on property, and damage to your credit. Those consequences hit harder on Long Island, NY, where property taxes, utilities, and storm repairs already squeeze many households and many people own their homes. In a New York City Bar report, about 41% of consumer debt cases in one year ended in default judgments. If a judgment has already been entered, call us anyway. Credit card judgment defense on Long Island sometimes includes challenging the judgment, and we'll tell you honestly whether it's worth trying.
New York cut the statute of limitations on consumer credit lawsuits from six years to three, effective April 7, 2022 (CPLR 214-i). The clock runs from default. Once the three years are up, a payment or an acknowledgment of the debt can't bring it back to life, which surprises people who assumed a small payment would show good faith. Here's the catch: a collector can still file a suit over an old balance, and the time limit only helps if it's raised in your answer. So before you pay anything on an old account, talk to a credit card debt lawyer on Long Island, NY who can check the dates and the paperwork.
Sometimes, but no honest lawyer can promise it. Cases get dismissed or reduced when the plaintiff can't prove who owns the debt, what you owe, or that it was filed in time. Others end in a settlement you can live with, and some go to trial. If your overall debt is more than you can realistically pay, bankruptcy may fit, and the automatic stay can pause collection while your case moves forward. Court filing fees are $338 for Chapter 7 and $313 for Chapter 13, and attorney fees vary with the complexity of the case. We review your papers first and recommend a path afterward, not before.
You're allowed to answer on your own, and free answer forms exist. The trouble is that the company suing you is almost always represented. In the New York City Bar report, every plaintiff in consumer credit cases had a lawyer, while about 96% of defendants didn't. A credit card lawsuit defense lawyer on Long Island does more than file a form. We check the plaintiff's proof, raise defenses that can be lost if you leave them out, and negotiate knowing what's in the file. We work with clients across Nassau and Suffolk Counties, in towns like Long Beach, Hauppauge, East Northport, and North Babylon. Your first conversation with us is free, and it's a good way to decide whether credit card legal defense on Long Island is worth it in your case.
We offer a free consultation, and we explain our pricing clearly up front, so you know the numbers before you decide anything. Many people worry that a lawyer will cost more than the debt itself. It's a fair concern, and we'd rather talk about it openly than have you avoid calling. During the consultation, we look at the amount being claimed, the strength of the other side's proof, and what each option could realistically cost you. A credit card lawsuit defense lawyer on Long Island should help you decide whether fighting makes sense, even if the answer turns out to be that settling is the smarter move. Call (516) 246-5577 and bring your papers.