Super Lawyers Rising Star
Thomas J. Frank is a Super Lawyers Rising Star, a peer recognition that reflects how other attorneys view his work.
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71 New Street Huntington, NY 11743, NY
A foreclosure notice is frightening. Our Long Island loan modification attorneys talk to your lender so you don't have to.
Loan Modification Lawyer Long Island
A loan modification changes the terms of the mortgage you already have. That can mean a lower interest rate, a longer term, past-due amounts spread out or moved to the back of the loan, or fees waived. It isn't a refinance, and it doesn't erase what you owe.
As a loan modification lawyer on Long Island, we help homeowners who are behind, close to it, or already in a foreclosure case in Nassau or Suffolk. The lender makes the final call. Our job is to give it every reason to say yes.
Mortgage Relief Attorney 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...
Mortgage Negotiation Attorney Long Island
If you live in your one- to four-family home and the bank has sued to foreclose, New York law calls for a settlement conference early in the case. In Nassau County, those conferences are held in person as of May 2025. Your lender is expected to negotiate in good faith while a judge supervises the process.
Most homeowners in Huntington, Melville, Islip, or Old Brookville never hear that this is their opening for a modification. They show up with no budget and no clear request. As a mortgage negotiation attorney serving Nassau and Suffolk, we prepare you beforehand and speak for you in the room. A request carries more weight when the lender sees serious legal representation, and we can take the case further if talks stall.
Mortgage Workout Lawyer Long Island
Plenty of denials come down to income that was figured wrong, a document marked missing, or a page the servicer swears it never received. If that's your story, you may have more options than you think. As a mortgage workout lawyer on Long Island, we go through your file, find what went wrong, and fix it before we resubmit or appeal.
With Long Island home values where they are, there's often significant equity worth fighting for. We also lay out the other routes, like forbearance, a short sale, a deed in lieu, or bankruptcy when it's the strategic move. Approval is always the lender's call, and we'll never tell you otherwise.
Loan Modification Services Long Island
Have a question about your situation? Start with a conversation.
Ask our teamYou can apply on your own, and plenty of people do. It gets risky when the application is incomplete, the servicer keeps losing documents, or you've already been served with foreclosure papers. A loan modification lawyer on Long Island keeps the paperwork accurate, handles the calls, and brings real leverage because we can also defend the case in court. If your situation is simple, you may not need us. If there's a lawsuit, we'd say don't go it alone. Be careful with any company that promises approval, and ask any provider exactly what you'll pay and when.
When a bank sues to foreclose on an owner-occupied one- to four-family home, New York law (CPLR § 3408) calls for a settlement conference early in the case. Nassau and Suffolk each run a dedicated part for these, and as of May 2025, Nassau's conferences are held in person. The lender has to negotiate in good faith while a judge supervises the review of your options. It's the best built-in chance to ask for a modification, and we walk in with your numbers ready and a specific proposal.
Not on its own. A New York foreclosure is a court case, and it keeps moving while you negotiate unless something pauses it. That's why we usually run two tracks at once: defending the case to protect your time and leverage while we push for a modification. As a mortgage modification lawyer on Long Island, we also explain your right to reinstate the loan before final judgment. Foreclosures here can stretch to roughly five years from the first missed payment, according to ATTOM Data. That gives you time to act, but waiting shrinks your options.
Nobody can promise approval, and you should walk away from anyone who does. Lenders decide, and since HAMP ended, each servicer runs its own in-house programs. What helps is a documented hardship, such as lost income, a medical bill, a divorce, or a payment that jumped, plus a clean application and steady follow-up. When you call our mortgage loan modification attorney team on Long Island, we'll tell you plainly whether a modification looks realistic or whether forbearance, a short sale, or another route fits better.
A denial isn't automatically the end. Many come from servicer mistakes: income calculated wrong, a document marked missing, or paperwork that was never logged. We review the denial letter and your file, correct what we can, and resubmit or appeal. Our loan modification attorney team on Long Island will also tell you straight if it's time to look at a different route, such as a short sale or bankruptcy. If you've been told no, call before you assume that's the last word.
Yes, though the paperwork takes more care. Your income moves around, so lenders want profit and loss statements and tax returns that tell a consistent story. Our founder, Thomas J. Frank, has represented lenders and borrowers in residential and commercial loan disputes, and our firm handles commercial litigation and real estate matters, so we understand how business and property finances connect. A mortgage relief attorney in Huntington, Melville, Islip, or Old Brookville can tell you in one conversation whether your numbers can support a request. Call (516) 246-5577.