Debt Relief and Bankruptcy Attorney Serving Suffolk County, NY

Why Suffolk County Clients Choose Aronow Law

Most debt law firms treat a free consultation as a 10-minute screening call. We don't. When you contact us, you speak directly with an attorney — not a paralegal or intake coordinator — and we take as long as necessary to understand your situation before recommending anything. That's been our standard for over two decades, and it's why clients come to us in distress and leave with a clear plan.

A few things that set us apart:

• 23 years of continuous practice focused exclusively on consumer and business debt law
• Direct attorney access — Darren Aronow speaks personally with nearly every client
• Full bilingual support in Spanish, from intake through resolution
• Free consultations with no time limit, no pressure, and no hidden fees
• 5-star Google reviews reflecting real outcomes for real clients
• Licensed in New York, New Jersey, and Pennsylvania; admitted to EDNY and SDNY

Bankruptcy Attorneys for Suffolk County Individuals and Families

For many Suffolk County residents, bankruptcy is the most effective path to genuine financial relief. It stops creditor calls, halts wage garnishments, pauses foreclosure proceedings, and — depending on which chapter you file — either eliminates your debt entirely or restructures it into a payment plan you can actually afford.

Chapter 7 Bankruptcy

Chapter 7 is the faster of the two consumer bankruptcy options. If you qualify based on income, it can discharge most unsecured debt — credit cards, medical bills, personal loans, and more — in a matter of months. For Suffolk County residents who are current on their mortgage but drowning in other obligations, Chapter 7 often provides the clean break that makes everything else manageable again.

Our chapter 7 bankruptcy attorney team will evaluate your eligibility, walk you through the means test, and make sure you understand exactly what to expect before we file anything.

Chapter 13 Bankruptcy

Chapter 13 is designed for people who have income but need time to reorganize. It allows you to repay what you owe over a three-to-five-year plan while keeping your home, your car, and other assets you'd otherwise risk losing. It's also the right tool when you're behind on mortgage payments and foreclosure is on the horizon — the filing itself stops the process and gives you time to catch up.

We work through the full Chapter 13 process with Suffolk County clients, from plan design through confirmation and beyond.

Foreclosure Defense in Suffolk County

Falling behind on your mortgage doesn't mean losing your home is inevitable. New York's foreclosure process includes mandatory settlement conferences that give homeowners a formal opportunity to negotiate directly with lenders — and having an attorney in that room makes a measurable difference. We also pursue loan modifications, short sales when appropriate, and full foreclosure litigation when the facts support it.

Suffolk County's housing market means the stakes are high. We take foreclosure defense seriously and pursue every avenue available under New York law.

MCA and SBA Loan Defense for Suffolk County Business Owners

Merchant cash advance agreements and SBA loans can turn into existential threats for small business owners when cash flow drops. MCA funders move fast — confessions of judgment, UCC liens, and aggressive collection tactics can freeze accounts and disrupt operations within days of a default. SBA and EIDL loans carry personal guarantee exposure that puts your personal assets at risk alongside your business.

We defend Suffolk County business owners against MCA lawsuits, challenge unlawful collection tactics, and negotiate restructured terms or settlements that give businesses a path forward.