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Debt Collectors Pretending To Be Law Enforcement And Threatening Jail Time Let’s be perfectly clear about this: In New York State, You Cannot Go To Jail Just Because You Have An Overdue Debt – Period. Nevertheless, debt collectors are increasingly pretending to be law enforcement and they are calling and emailing people about overdue debts and […]

1. Do You Need Help From The City? Did you ever need help from a City Agency?  Did you have trouble with the schools, garbage pick-up, housing, noise complaints, elder care or some other city-related problem? Typically, people contact the City Agency involved or dial “311” – the New York City helpline.  Hopefully, the City Agency […]

In my efforts to (1) alert you to consumer scams and (2) suggest ways to avoid them, I discovered this one.  It is pretty scary. The Scam: Credit Card “Wireless” Skimming If your credit card is in your wallet and your wallet is deep inside of your purse or pocket, then it would be impossible for […]

There are two main points in today’s consumer alert:  (1) The credit card companies are trying to fraudulently ruin credit reports of people who received bankruptcy help; and (2) what you can do about it. One: The  Banks  Are  Fraudulently  Leaving  Bad  Marks  on People’s Credit Reports After They Receive Bankruptcy Help Today at 10 am, […]

Recently, I had a distraught friend telephone me and say that the IRS called him demanding immediate payment on his taxes or the police would come to put him in jail. I did some investigating and discovered that recently, there have been scam artists who call people and pretend to be representatives from the IRS.  Victims […]

With trends in online usage rising, particularly mobile search, we’ve redesigned our websites to provide our visitors with the best possible user experience. Thank you to our partners at Trighton Interactive, a Law Firm SEO and web design agency, for their help making our vision a reality. We hope you find our new website to be […]

Lately, a lot of clients have asked me questions about credit scores.  There seems to be some confusion about credit scores.  I think this has been caused by the various TV Ads pushing “free” credit scores.  These TV Ads are put out by the credit report companies: Experian, Equifax and Trans Union.  They use their own credit […]

When Famous People File for Bankruptcy & What it Means for All Financially Struggling Americans On March 20, 2013, legendary singer Dionne Warwick and cousin of Whitney Houston (singer of the hit song “Do You Know The Way To San Jose”) filed for Chapter 7 bankruptcy. When famous people like Ms. Warwick file for bankruptcy help, […]

People often ask me if it is too late to file bankruptcy if there is already a judgment against him or her. The answer is NO. Bankruptcy Court is a federal court.  The Bankruptcy Court and the Bankruptcy Law overrides the state court, including Civil Courts in New York City, Brooklyn, Bronx and Queens, and can […]

The answer is yes depending on how many years have passed since the last bankruptcy. You can file Chapter 7 bankruptcy again if it has been eight (8) years since the last filing. Over the past 28 years, I have filed tens of thousands of bankruptcies for New York and New Jersey residents. Times are especially […]