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Bronson Law Offices, P.C. Bankruptcy Blog

Bankruptcy Blog

  • What are My Rights Under the FDCPA?

    Posted By Bronson Law Offices, P.C. || 18-Oct-2016

    The FDCPA, also known as the Fair Debt Collection Practices Act, is a federal law that provides protection to consumers and safeguards them against unfair debt collection practices. If you feel that your consumer rights may have been violated, we urge you waste no time in contacting Bronson Law Offices, S.C. so you can hire a bankruptcy attorney from Westchester who will aggressively advocate on ...
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  • Will Chapter 7 Bankruptcy Wipe Out All of My Debt?

    Posted By Bronson Law Offices, P.C. || 3-Oct-2016

    If you are considering filing for Chapter 7 bankruptcy protection, you may be wondering if Chapter 7 bankruptcy will be able to wipe out all of your unpaid debt. Chapter 7 is the most common type of bankruptcy, however, it is not right for everyone. As no two bankruptcy cases are exactly the same, a bankruptcy lawyer from Bronson Law Offices, S.C. will be happy to review your finances and advise ...
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  • Rebuilding Your Credit After Bankruptcy

    Posted By Bronson Law Offices, P.C. || 26-Sep-2016

    Two of the most common concerns our clients have is how long it will take for them to begin rebuilding their credit score and whether they will be able to get a credit card after filing for bankruptcy. Rest assured, there is life after bankruptcy. One of the benefits of bankruptcy is that it helps an individual regain control of his or her finances. Filing for bankruptcy helps put a stop to all ...
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  • If I'm Facing Foreclosure, Should I File for Bankruptcy?

    Posted By Bronson Law Offices, P.C. || 19-Sep-2016

    Bankruptcy has been known to be a very effective foreclosure defense. If you have recently learned, or you suspect, that your lender is moving forward with foreclosure proceedings as a result of your inability to keep up with your required mortgage payments, it is strongly advised that you waste no time in obtaining legal counsel from a Westchester bankruptcy attorney at our firm. Our attorneys ...
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  • What Actions Can a Creditor Legally Take and What Actions Are Illegal?

    Posted By Bronson Law Offices, P.C. || 6-Jul-2016

    If you owe a debt, as a consumer you are afforded certain legal protections which limit what actions a creditor can perform in order to collect money owed. On the other hand, creditors also have rights available to them which allow for legal recourse in cases of outstanding debt. Matters of debt collection and consumer protections can be complex and if you are being contacted by creditors, it is ...
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  • Dealing with Debt During the Holidays

    Posted By Bronson Law Offices, P.C. || 30-Nov-2015

    Dealing with debt on a regular day can be difficult, as there are always cool gadgets or tasty treats being advertised. But dealing with debt during the holidays? That’s a whole new level of difficulty. Everything is “on sale” and there are surely loved ones in your head that you think deserve this trinket or that treasure. To avoid worsening your financial situation with even ...
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  • Can I Discharge Student Loans Through Bankruptcy?

    Posted By Bronson Law Offices, P.C. || 6-Aug-2014

    If you are considering filing for bankruptcy as a result of the student loans you have incurred, it is important that you consult with an experienced bankruptcy lawyer before taking any further action. Over the years our firm has handled countless bankruptcy cases in and around the Westchester County area. We have more than 25 years of legal experience, an in-depth understanding of the bankruptcy ...
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  • Can I Discharge Unpaid Child Support During Bankruptcy?

    Posted By Bronson Law Offices, P.C. || 8-Jul-2014

    If you are thinking about filing for bankruptcy, there are certain things you must take into consideration before making your final decision. Not all debt can be discharged through bankruptcy. There are certain types of debt such as child support, alimony, most student loans, certain taxes and court-ordered fines or penalties that are not eligible for discharge through bankruptcy. Child support is ...
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  • How Long Does the Bankruptcy Process Take?

    Posted By Bronson Law Offices, P.C. || 3-Jun-2014

    There are many aspects involved in the bankruptcy process. How long it will take before your bankruptcy is completed and your debts have been discharged will depend heavily on the type of bankruptcy protection you choose to pursue. Chapter 7 is the most common type of bankruptcy and a straight-forward case can often be completed in as little as 3-6 months from the date of filing to the date of ...
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  • Will Filing for Bankruptcy Ruin My Credit Score?

    Posted By Bronson Law Offices, P.C. || 30-Apr-2014

    It is quite common for people to wonder about the effect bankruptcy will have on their credit score. Filing for bankruptcy is not a decision that should be made lightly. The magnitude of the impact will depend on the state of your credit prior to your filing for bankruptcy. If you have a lot of delinquent accounts, you have only been making minimum payments or less, and you have become unable to ...
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  • Can I File for Bankruptcy Without a Lawyer?

    Posted By Bronson Law Offices || 1-Apr-2014

    If you are considering filing for bankruptcy, you may be wondering whether you can file without having to retain the services of a lawyer. While you are under no legal obligation to hire a lawyer to represent you during your bankruptcy proceedings, having a skilled bankruptcy lawyer by your side will have a significant impact on the outcome of your case. Bronson Law Offices, P.C. has been ...
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  • What Type of Debt Can Be Discharged Through Bankruptcy?

    Posted By Bronson Law Offices || 12-Mar-2014

    There are many factors an individual must take into consideration before making the decision to file for bankruptcy. Bankruptcy is not right for everyone. If you are considering filing for bankruptcy, take the time to review your financial situation with a Queens bankruptcy lawyer from Bronson Law Offices, P.C. before you move forward. Our firm has over 25 years of experience helping people put an ...
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  • Can Chapter 13 Bankruptcy Save My Home?

    Posted By Bronson Law Offices || 21-Jan-2014

    If you are struggling with keeping your mortgage payments current, eventually you will face foreclosure. The absolute dread and fear that people experience in this position is extremely stressful, and no day goes by without worry about what will happen next. If you are interested in taking action to avoid foreclosure on your home, it is time to discuss filing Chapter 13 bankruptcy. Chapter 13 is ...
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  • How Does the Chapter 7 Means Test Work?

    Posted By Bronson Law Offices || 14-Jan-2014

    If you are in financial trouble, and considering filing for Chapter 7 bankruptcy protection, you probably have questions about how the Chapter 7 means test works. This test evaluates your current monthly income against your debts, as well as all other assets and liabilities. The test was an added requirement for filing Chapter 7, so that only people who are really in financial trouble can file for ...
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  • What is the Difference Between Chapter 7 and Chapter 13?

    Posted By Bronson Law Offices || 7-Jan-2014

    The major difference between seeking bankruptcy protection under Chapter 7 and Chapter 13 is that a Chapter 7 bankruptcy will actually discharge, or wipe out, many unsecured debts while a Chapter 13 bankruptcy sets up a payment plan whereby the debtor has 3 to 5 years to catch up on payments. In a Chapter 7 bankruptcy, you are able to keep certain types of property that are exempt, such as the ...
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  • Who is Eligible for Chapter 7 Bankruptcy?

    Posted By Bronson Law Offices || 31-Dec-2013

    When determining whether an individual is eligible to file a Chapter 7 bankruptcy petition, the courts use what is known as a "means test." The means test was created to ensure that Chapter 7 filings were only used by those who truly could not pay their debts. By deducting specific monthly expenses from your actual monthly income, the test arrives at a monthly amount of disposable ...
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  • New "Of Counsel" Attorney Joins Bronson Law Offices

    Posted By Bronson Law Offices || 17-Oct-2012

    Bronson Law Offices, P.C. has a new addition to its legal team. Steven Kurlander has entered into an affiliate relationship with the bankruptcy firm, which provides legal services to clients in Queens and surrounding areas of New York who are dealing with issues related to debt and financial distress. Through this partnership, our firm will be able to make use of Mr. Kurlander's extensive ...
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  • Bronson Law Offices Adds New "Of Counsel" Attorney, Boosting Resources

    Posted By Bronson Law Offices, P.C. || 17-Oct-2012

    At Bronson Law Offices, P.C. we have added a new "Of Counsel" attorney to our team in order to better serve our clients. By establishing an affiliate relationship with attorney Steven Kurlander, our bankruptcy law firm now able to offer more legal resources to our clients located in various areas of the state of New York. Mr. Kurlander, whose office is located in Monticello, New York, ...
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  • Three Popular Types of Loan Modifications in New York

    Posted By Carl J. Nelson, Esq. || 3-Aug-2012

    Loan modifications generally take three forms in New York: HAMP (government sponsored) or In-House Modifications Mortgage lenders and servicers all have procedures in place to assist homeowners at risk of default or foreclosure. They will make the process difficult, frustrating and seemingly never-ending, but they do actually modify a fair number of mortgages for qualifying homeowners ...
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  • Foreclosures and Loan Modifications In New York

    Posted By Carl J. Nelson, Esq. || 1-Aug-2012

    A foreclosure action begins when a homeowner is served “process” in a foreclosure action. Receiving these papers, usually a summons and complaint, can be one of the most nerve-racking experiences a homeowner can endure. The thought of one’s home being jeopardized and the potential for ensuing liability can cause a great deal of stress for one who has become unable to afford his ...
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  • On April 28, 2012 in San Antonio at the National Association of Consumer Bankruptcy Attorney's ("NACBA") 20th annual convention Joseph A. Smith, Esq., head of the National Mortgage Settlement Monitor, addressed us. Five banks and mortgage servicers (Ally/GMAC, Bank of America, Citi, JPMorgan Chase and Wells Fargo) reached agreement on a mortgage settlement which is suppose to provide ...
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  • Agape World Involved In An Ongoing Chapter 7 Case

    Posted By Westchester County Bankruptcy Lawyer || 1-Jun-2012

    Yesterday, newscaster Lou Young contacted me regarding an ongoing Chapter 7 bankruptcy case for Agape- -World. Agape World has been called Long Island's largest Ponzi scheme with $400 million at stake. Many of Agape World's investors invested small amounts of money and the trustee has instituted many lawsuits to recover funds from these investors that were withdrawn within 90 days of the ...
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  • Proof of Claim Was Not Filed

    Posted By Westchester County Bankruptcy Lawyer || 23-May-2012

    May 23, 2012. Westchester County, NY. In court today at the White Plains Division of the Southern District HSBC was advised that because they failed to file a proof of claim that the debtor would only have to make adequate assurance payments for the term of the 5 year plan. Judge Drain stated that adequate assurance payments based upon the depreciation of the property over the five years of the ...
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  • Chapter 13 Loan Modification saving $300 per month and capitalizing $15,000 of arrearage

    Posted By Westchester County Bankruptcy Lawyer || 15-May-2012

    For these particular clients who were in Chapter 13, the bank delayed and delayed. The bank continually asked for more documentation and upon our providing same would spend months reviewing it. Finally, at a loss mitigation status report in bankruptcy court Judge Drain told bank's counsel that if they asked for one more piece of paper they would be required to have a bank officer appear. Three ...
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  • Chapter 13 Loan Modification saving $816 per month

    Posted By Bronson Law Offices || 11-May-2012

    Our most recent loan modification in a Chapter 13 provided a tremendous benefit for our client. Our client had accumulated over $86,000 of arrearage. Her husband was not able to work and needed round the clock medical attention. This client was a very nice warm person who had experienced very negative situations. It was such a thrill for a Queens bankruptcy attorney to get her a loan modification ...
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