Firm News - Page 2 of 30 - Law Office of Todd Cushner & Assoc., P.C.

How Bankruptcy Protection Measures Can Reduce Stress

By Jill Gartz | Published March 25, 2026

Bankruptcy can take a significant emotional toll. Many people experience feelings of guilt, shame, frustration, or helplessness when facing financial hardship. While these emotions are common, bankruptcy can also be an opportunity to reset your finances and move forward with greater stability and peace of mind. Read More

Estate Planning After Divorce

By Jill Gartz | Published March 18, 2026

Divorce is a major life change, and your legal documents should reflect that new reality. One of the most important—and often overlooked—steps is updating your estate plan. Below are key areas to review to ensure your wishes are properly documented and protected. Read More

Do I Really Need a Will If I Don’t Have Much?

By Jill Gartz | Published March 11, 2026

A will provides direction and clarity for your family when you pass away, regardless of your net worth. We all eventually die, and having a will makes a big difference in ensuring a smooth transition. Read More

Why Small Business Owners Need Bankruptcy Protection

By Jill Gartz | Published March 4, 2026

Total bankruptcy filings in the United States continue to rise. In 2025, business filings increased by 7.1 percent to just over 24,700, while non-business filings jumped 11 percent to nearly 550,000. Bankruptcy is not only common—it can also take a significant emotional and financial toll. Understanding the available options can make a critical difference. Below are common causes of bankruptcy, alternatives that may help avoid it, and the protections available if filing becomes necessary. Read More

Young businessman holding a large amount of bills

Change Your Money Mindset to Unlock Financial Success in Westchester

By Matt Hogeboom | Published March 2, 2026

Westchester residents, White Plains local business owners, first-time homebuyers, and busy parents trying to keep up with bills often run into the same core problem: negative money mindsets create quiet financial success barriers even when income looks “fine” on paper. Immediate gratification turns every raise, bonus, or good month into a quick spend, while constant comparison makes solid progress feel pointless.

How Medical Debt Impacts Your Financial Future

By Megan Quinn | Published February 25, 2026

Medical debt is one of the leading causes of financial distress in the U.S., contributing to over 60% of bankruptcies. Unlike credit card debt and personal loans, it is often the result of an unexpected illness or an emergency.

If left unresolved, medical debt can significantly impact your financial future in ways you never expected.

What to Do If You’re Sued by a Creditor

By Megan Quinn | Published February 18, 2026

It’s a notice nobody wants to receive: a notification that you’re being sued by a creditor. It can feel overwhelming, and your first instinct may be to bury your head in the sand. However, you must respond promptly. You still have options and time to respond.

Here’s what typically happens when you’re sued by a creditor and what you should do next.

What Happens After You Miss a Mortgage Payment?

By Megan Quinn | Published February 11, 2026

If you miss a mortgage payment, you may fear that your home will be taken away overnight. However, this is not the case in most scenarios. In fact, the state of New York has the longest and most structured foreclosure processes in the country since it is a strict judicial foreclosure state. Lenders have to go through a vigorous process with the court system before taking your home. Here’s a breakdown of what generally happens after you miss a mortgage payment.

Foreclosure Myths That Cost Homeowners Time and Money

By Megan Quinn | Published February 4, 2026

While facing foreclosure, many homeowners become intimidated by the process. This is often due to the misinformation that surrounds foreclosure. Many people are convinced that foreclosure means that they will most certainly lose their homes. However, the process is thorough, and the specific details of your situation will be considered.

Do not let yourself fall victim to some of these foreclosure myths if you want to save yourself time and money.

Foreclosure Alternatives Every Homeowner Should Consider

By Megan Quinn | Published January 29, 2026

Many homeowners mistakenly believe that once a foreclosure notice is received, they will inevitably lose their homes. However, that’s often not true. In reality, several foreclosure alternatives may help you protect your home and gain control of your situation.

Here are some options that some homeowners choose over foreclosure.