Author Archives: Russ Silberman

Protect What Is Yours With Bankruptcy Exemptions

Bankruptcy exemptions help protect your property from being taken by creditors. Successfully filing for bankruptcy entitles you to a number of exemptions, enabling you hold on to your most important assets. At Todd Cushner & Associates, our bankruptcy litigation experts will work with you to ensure you receive all the bankruptcy exemptions you are entitled to.

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Filing for Bankruptcy

The American bankruptcy code was put into place centuries ago with the purpose of enabling people who are struggling in debt to have a chance to redeem themselves financially.

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What to Do About Your Credit

After filing for bankruptcy, rebuilding your credit is not as hard as most people believe.

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Can I Prevent Repossessions and Debt Collection Through Bankruptcy?

Throughout your life, you have worked hard to make the money to purchase your car, home, and other significant possessions. Unfortunately, if you find yourself in debt, creditors are quick to begin sending letters and make harassing phone calls, threatening that your property will be repossessed if you do not make payments. At Todd Cushner & Associates, our bankruptcy litigation experts can work with you to help prevent repossessions, enabling you to keep what is yours while rebuilding your credit.

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How Does Divorce Affect Bankruptcy?

Going through a divorce can take a significant toll on both parties involved. And if the couple is also dealing with financial stresses, it can be even worse. For soon-to-be divorced couples who are struggling with debt, filing for bankruptcy before the actual divorce can give both sides the financial fresh start they deserve.

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How We Help You Deal With Debt Collectors

Being harassed by debt collectors is an annoyance that you should not have to deal with. And because of the Fair Debt Collection Practices Act, you do not have to deal with it.

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The CARES Act and Debt Relief Through Bankruptcy

The Coronavirus Aid, Relief, and Economic Security (CARES) Act was put in place this past March to help relieve some of the economic struggles caused by the COVID-19 pandemic. Aside from providing a large portion of Americans with a stimulus payment, the CARES Act also provides additional economic relief to those filing for bankruptcy.

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Don’t Use Your Credit Cards

If you are planning to file for bankruptcy in the near future, it is important to refrain from using your credit cards to make any purchases. All credit card purchases made within 90 days prior to filing for bankruptcy are considered non-dischargeable debts and will deepen your financial burden.

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Chapter 7 Bankruptcy and The Means Test

It is necessary to pass the bankruptcy means test in order to successfully file for Chapter 7 bankruptcy. At Todd Cushner & Associates, our bankruptcy litigation experts can navigate you through the testing process so that you can clear your debts through bankruptcy.

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Avoiding Debt Negotiation Through Bankruptcy

Attempting to negotiate a debt settlement with your lender can be a grueling process that often ends in frustration and defeat. Successfully filing for bankruptcy can help you bypass debt negotiation, enabling you to clear your debts and ending creditor harassment.

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