It is standard practice among some creditors and debt collection agencies to repeatedly contact and/or threaten individuals who are in debt to their clients. These kinds of harassing calls only add to the financial stress you are feeling. However, phone …
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More than 65% of all bankruptcies in the U.S. are due to individuals being overwhelmed by medical bills, according to a study published by the American Journal of Public Health in 2019. An estimated 530,000 families facing medical bills file …
Read MoreI am Michael H. Schwartz, president of Michael H. Schwartz, P.C. We are taking the threat of the Coronavirus (COVID-19) in New York very seriously. Right now, people are being told to “social distance,” on top of already suffering financially …
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The Coronavirus pandemic has disrupted the lives of millions of New Yorkers. More than 325,000 people have confirmed cases of COVID-19 and more infections are diagnosed every day. While most people will recover, some will be left with overwhelming hospital …
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Many people fear the thought of bankruptcy and the ramifications it brings, including losing their homes and causing credit hardships in the future. However, for many people, bankruptcy is not as crushing as it seems and it brings financial relief …
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After you file a Chapter 7 or Chapter 13 bankruptcy, you will want to rebuild your credit. It won’t be a sprint. Get ready for a long run – a 5K for some, more of a 10K or marathon for …
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People who are considering whether to file for Chapter 7 bankruptcy tend to fall into two camps. In one camp, we have those who fear that they will automatically lose their home and car during the bankruptcy process. In the …
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If you fall behind on your mortgage payments, and the bank or servicer or other lending institution threatens to foreclose on your home, you should contact attorney Michael H. Schwartz as soon as possible. In his 40 years as a …
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If you start to fall behind on your mortgage payments in New York, foreclosure could be just around the corner. In other words, your lender could soon try to take possession of your home and sell it. If the sale …
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Medical issues contribute to roughly two-thirds of the country’s bankruptcy filings each year, according to a recently released study. In the view of one of the study’s authors, a lack of adequate health care insurance likely contributes to the majority …
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