Tips from an Orange County NY Foreclosure Lawyer: How to Handle the Mental and Emotional Stress of Foreclosure

As an Orange County NY foreclosure lawyer, I speak with clients every day who are facing foreclosure and the loss of their home. Most of my conversations focus on the legal aspects of a foreclosure. We discuss process and procedure, options for fighting foreclosure, and rights of a homeowner throughout the foreclosure process. However, the…

Can You File for Bankruptcy with Student Loans in Goshen, NY?

Student loans are a unique type of debt and lending situation. When you take out a mortgage to buy a house, upon non-payment the lender can foreclose and recover losses through a foreclosure sale in Goshen, NY. If you borrow from a bank or credit union to purchase a new car or boat, the bank…

Can a Homeowner in New York Postpone a Foreclosure Sale?

Behind on your mortgage payments and facing foreclosure is a scary situation for homeowners in New York. In fact, it’s a situation that causes anxiety, uncertainty, and can throw a household into turmoil. Most New Yorkers would take drastic steps to stop a foreclosure, if only they knew the available options. Usually, this is when…

How to Protect Your Privacy During a New York Bankruptcy

Starting the New York bankruptcy process you probably have some concerns. You may worry about losing your car or personal property. Other people are distressed about a potential impact on their credit score and ability to apply for a credit card in the future. However, a vast number of the apprehensions about New York bankruptcy…

Basic Facts About the Automatic Stay in Bankruptcy

There are several procedural aspects of bankruptcy that are important for a debtor to know. Among these requirements is the automatic stay. An automatic stay is actually a powerful tool for debtors to stop creditors from engaging in collection efforts. However, use of the automatic stay requires an understanding of its parameters, limitations, and legal…

Debt Collectors: Your Rights and How to Handle These Calls

Debt collectors are a huge source of anxiety for anyone owing money they can’t afford to repay. Even when the individual is pleasant and understanding, these conversations with debt collectors are difficult, frustrating, and often, a source of embarrassment. However, debt collectors aren’t always pleasant or understanding, and at times their phone calls are much…

Bankruptcy in New York Offers a Chance to Start Over

Bankruptcy is frequently perceived as a failure. As a bankruptcy law firm, our clients begin by saying they could not repay credit card debt or not be able to keep up with commercial loan payments. A consistent comment in our initial consultation is, “I tried, but I failed.” Individuals and entities turn to bankruptcy as…

Four Bankruptcy Laws Every Client Should Know

Some research into the process of bankruptcy and the federal laws that govern it reveals that the Bankruptcy Code is divided into several chapters. These chapters each cover a different aspect of filing for bankruptcy, including the different types of bankruptcy, eligibility information, and procedural requirements. It’s impossible to properly file for federal bankruptcy without…

There Will Always Be Bankruptcy

There will always be debt, and there will always be bankruptcies. If you look at a list of famous bankruptcies you will note that they include presidents, the largest most highly respected accounting firms, law firms, religious leaders, and bankers. Bankruptcy, like a car accident, could be easily avoided if everyone knew it was about…

Mental Stress

Several years ago a client of mine came in with his girlfriend and suddenly burst into tears when I asked him to explain what had happened. He told me how he had planned suicide when a woman came across him and stopped him from going ahead. That was his girlfriend he came to visit me…

 
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