Stripping Second Mortgages in Chapter 13 Bankruptcy

For many people, buying a home is the largest financial investment they will ever make. And at times, taking a loan out of your home’s equity is the best option when you need relatively quick access to a large sum of cash.

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Bankruptcy Protection When You Need It Most

During these uncertain times, our bankruptcy litigation experts are here to provide you with a fresh start and the peace of mind you deserve. With over 18 years of experience, Todd Cushner & Associates, P.C. have helped countless families and small businesses lose their debt and regain financial stability.

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Credit Repair – Is It Real?

Many people will tell you that repairing a low credit score is next to impossible. And many free credit score applications and websites will try to convince you that repairing your credit score can be achieved simply by monitoring your credit with their service and going along with their recommendations.

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Open and Ready to Help During and After the Pandemic

Officially classified as a Phase II Essential Business in New York State, The Law Office of Todd Cushner & Associates, P.C. is open and ready to assist you through Zoom, Skype, and telephonically during the COVID-19 pandemic. With nearly two decades of bankruptcy litigation experience, we have the knowledge to get you through these trying times and help you land on your feet financially.

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Get Rid of Your Debt for a Fresh Start

With nearly 20 years of professional litigation experience, the bankruptcy attorneys of Todd Cushner & Associates, P.C. have the knowledge required to give you the debt relief you deserve.

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Student Loan Mediation

On January 27th, 2020, the Student Loan Mediation Before Litigation Program Procedures were officially adopted. This was a general order granted by the Honorable Cecelia G. Morris, Chief United States Bankruptcy Judge.

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Interacting with Creditors After Bankruptcy

If after filing bankruptcy, former creditors contact you, here are some quick tips for dealing with them:

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Pre-Bankruptcy Mistakes

When considering bankruptcy, some people tend to certain things, innocently and intentionally, which may affect their bankruptcy case. These actions may take place even when they have no plans to file for several months. Consulting with a qualified bankruptcy attorney before and during bankruptcy will help ensure that a bankruptcy case proceeds smoothly and will go unchallenged by the trustee and creditors. The following is a short list of some things not to do before filing bankruptcy.

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Restoring Credit After Bankruptcy: Check Credit Reports Regularly for Errors

A 2012 study by the Federal Trade Commission found that one in four consumers identified errors on their credit reports that may have affected their credit scores. Regularly checking credit reports can help consumers discover and dispute any errors that may reduce a score and cause a creditor to deny an application for credit.

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Preparing for Bankruptcy

When preparing for bankruptcy, there are many different considerations. Once the petition is filed, notice of the bankruptcy filing will be sent to all the creditors listed on the debtor’s master mailing list. With the automatic stay in effect, once the notice of the filing is received about a week later, certain creditors will react in certain ways, and not always as they should or as expected.

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