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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The History of Bankruptcy

Bankruptcy pre-dates the founding of the United States of America, as it certainly was pondered, if not strongly considered, by the founding fathers, long before its inclusion in the U.S. Constitution.

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Tips for a Balanced Family Budget

For a newly married couple or established family with children, keeping faithful to a workable budget is not an easy task. Here are some quick, simple tips for a balanced family budget.

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The Basics of Bankruptcy

Article I, Section 8, of the United States Constitution authorizes Congress to enact “Uniform Laws on the Subject of Bankruptcies.” Under this grant of authority, Congress enacted the “Bankruptcy Code” – the uniform federal law that governs all bankruptcy cases. The Bankruptcy Code has been amended several times since its enactment in 1978.

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