Legal Blog

You may realize that credit card debt is often written off in a Chapter 7 bankruptcy or a Chapter 13 bankruptcy and that you are not required to sell clothing and other personal items to pay the non-dischargeable debt. But …

During a bankruptcy filing, the Bankruptcy Court appoints a bankruptcy trustee to perform various duties required by law, according to the circumstances of the bankruptcy case, the debtor, and their creditors. One of the trustee’s duties is to investigate the financial …

During the COVID-19 pandemic, many New York homeowners took advantage of state or federal forbearance programs under the CARES Act, which allow pauses in mortgage payments. Now, as New York and the nation recover from the pandemic, those homeowners may …

A 100% Chapter 13 repayment plan is a bankruptcy proceeding in which the petitioner and their attorney work with creditors to establish a process for paying all secured and unsecured debt over three to five years. A 100% plan is for …

Sometimes we hear from prospective clients who are surprised to find that a creditor has had their bank account frozen and cannot withdraw money from the account. They are afraid that their creditors will be allowed to take their money …

We’ve seen people struggle with debt longer than they should have because they told themselves they were not in enough financial trouble to resort to bankruptcy. People wonder how much debt you have to have to file for bankruptcy, but …

New York State has enacted a new moratorium on COVID-related residential and commercial evictions. Yet, the prospect of facing foreclosure and eviction sometime in 2022 or sooner remains real for many who have fallen behind on their mortgages. Many New York …

If you have fallen behind on your mortgage or other loans, you should know that federal and New York state laws limit what debt collectors and creditors can do to press you to make payments. The Fair Debt Collection Practices …

One method for avoiding foreclosure on your home if you are behind on mortgage payments is to ask your lender to modify your loan to make the monthly payments more manageable. If your home loan is insured by the Federal …

With COVID-connected moratoriums on mortgage foreclosures in New York in the news, some homeowners in difficult financial situations may ask how the foreclosure process proceeds in New York. The good news for those who are behind on their mortgages is …