Debt Relief Blog

  • Weltman Weinberg & Reis Law Firm Sued For Debt Collection Violations

    || 30-Jun-2017

    On April 17, 2017 the Consumer Financial Protection Bureau ("CFPB") filed a lawsuit in a federal district court against Weltman, Weinberg, & Reis Co., LPA, a debt collection law firm which has operates in several states, including New York, New Jersey, and Florida. The complaint alleges that the collection firm used illegal tactics while collecting debts from consumers. Specifically, ...
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  • Attorney Simon Goldenberg Teaches Secrets To Credit Repair

    || 6-Jun-2017

    New York, New York: On May 23 rd, 2017, Simon Goldenberg, Esq. presented Credit Repair: A Primer for Lawyers, a Continuing Legal Education program with Lawline. Broadcast live online and recorded at Lawline’s Studio in lower Manhattan, the program offered viewers strategies on correcting credit reporting issues. Credit Repair: A Primer for Lawyers is now available for on-demand viewing at ...
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  • Prohibited Debt Collection Practices

    || 31-May-2017

    Are you receiving phone calls, emails, or other communications from debt collectors? Often the persistence of debt collectors can be annoying and stressful, making your life miserable until you can finally make them stop. In fact, certain debt collection practices became so bad that the federal government banned them outright some time ago. However, this hasn’t entirely stopped less-credible ...
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  • Tips to Help You Get Out of Debt

    || 25-May-2017

    The one common mistake made by all people with past-due debts is that they spend a lot more than they actually have. Student loans, credit card bills, bank loans or loans from other creditors all add to your debt and, if you’re not careful, they’ll push you further and further into the mess until you’re too lost to find your way out. As harsh as it may sound, it’s true. In ...
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  • FDCPA Lawyers Serving New York City

    || 22-May-2017

    The Fair Debt Collection Practices Act (FDCPA) was approved in 1977 to protect consumers from abusive debt collection practices and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to verify the information’s accuracy. The act defines a debt collector as anyone who uses any tools of interstate commerce or the mails in any business to ...
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  • How to Stop Wage Garnishment in New York

    || 19-May-2017

    Order To Show Cause To Vacate Judgment It might be easier to resolve a debt that has not entered garnishment status, but if you’re wages are being seized, it still might not be too late to get help. Depending on the circumstances, you may be able to contest your judgment due to improper service. In order to do so, you’ll need to bring a motion, or an Order to Show Cause To Vacate ...
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  • Tips to Improve Your Credit Score After Bankruptcy

    || 10-May-2017

    Declaring bankruptcy can be a massive blow to your financial standing, and may have a serious negative impact on your credit. However, doing so should be a blessing in disguise as you have the ability to rebuild your financial standing and regain your health once again. When you declare bankruptcy, your credit score may suffer, but you can begin to see steady improvement within just a few short ...
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  • Legal Services Available in New Jersey

    || 8-May-2017

    Many people find themselves being crushed by overwhelming debt. Because people’s wages have rarely matched the rate of inflation, more and more people find themselves needing to take out loans that weren’t necessary 60 years ago. Earlier in the 20 th century, buying a house would only require 2.2 times your yearly income. Now, purchasing a house requires 3.7 times your annual income. ...
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  • The Pros & Cons of Bankruptcy

    || 1-May-2017

    Does the concept of filing for bankruptcy frighten you? While the word bankruptcy itself gives a rather negative ring to our ears, there can quite a few benefits to declaring bankruptcy in a timely fashion if your finances have become unmanageable. There are many potential ramifications to declaring bankruptcy. In many cases, it can affect the filers credit rating, which can be difficult to ...
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  • What to Do When Being Sued for Credit Card Debt

    || 17-Apr-2017

    Unlike the federal government, who can garnish your wages if you don’t pay back your loans, private lending companies like credit card companies generally cannot garnish wages without taking legal action. When you receive notice of a credit card lawsuit, take the following steps. Don’t Ignore It It can often be tempting to just ignore a situation in the hopes it will disappear ...
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  • A+ BBB Rating Conferred Upon Our New York Law Firm

    || 12-Apr-2017

    In addition to the numerous honors conferred upon the Law Office of Simon Goldenberg PLLC by organizations like Superlawyers, Avvo, and Martindale-Hubbell, we are proud to announce our accreditation by the Better Business Bureau ("BBB") serving the Metropolitan New York, Long-Island, and Mid-Hudson Region. We are very proud of the A+ rating that we received after the BBB conducted a ...
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  • Why Hire a Lawyer to Settle Private Student Loans?

    || 3-Apr-2017

    If you're struggling with student loan debt, you're not alone! Just don't make the mistake of ignoring these debts, you could face serious consequences such as lawsuits and wage garnishment. Rather, you should work towards identifying your best resolution options and creating a plan to rectify the balances. Our law firm has helped many distressed borrowers find affordable solutions to ...
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  • ReliaMax Private Student Loan Settled for 75% Reduction

    || 2-Apr-2017

    Our attorneys were recently contacted by a debtor in need of assistance with resolving a private student loan debt owed to ReliaMax. With interest, the balance accumulated to over $80,000. The primary borrower and the co-signer were both experiencing financial hardship and were unable to keep up with the the large minimum payments. Consequently, the account ended up in default due to non-payment. ...
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  • Common Reasons People Fall Into Credit Card Debt

    || 20-Mar-2017

    Millions of Americans each year will either struggle to keep their finances positive or fall into debt. Each person who goes into debt will do so for his or her own unique reasons, of course, but many cases are linked directly to credit cards and other forms of credit lines. What is it about credit cards that can lead so many people into difficult financial situations, or even bankruptcy ? Our ...
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  • Bankruptcy Lawyer NYC

    || 16-Mar-2017

    Finding a bankruptcy lawyer isn’t a difficult task given the large number of practitioners offering debt relief services in New York City. But you have to stop for a moment and think, do you just want any attorney, or do you want to find an advocate that is best suited to work on your particular situation. Identifying a great bankruptcy attorney isn’t nearly as easy as it may seem. ...
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  • Merchant Cash Advance & Business Debt Lawyers

    || 14-Mar-2017

    Nearly every day, our office receives phone calls from business owners that are desperately looking for a solution to their small-business debts. Whether it be an MCA debt (Merchant Cash Advance), a business loan, a line-of-credit, or even a commercial credit card, it can be tough to know where to turn when you can no longer afford to make the minimum payments. It’s no wonder that some ...
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  • Filing Bankruptcy Due to Gambling

    || 6-Mar-2017

    Get Out Of Gambling Debt & Casino Markers The top reasons for filing for bankruptcy are insurmountable medical bills and student loan debt. However, bankruptcy can be used to discharge, reduce, or otherwise manage all forms of debt, including gambling debt. Oftentimes, these debts are borrowed from credit cards at high interest rate cash advance, or through the casino using a marker. People ...
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  • Consumer Debt vs. Business Debt: What's the Difference?

    || 21-Feb-2017

    Debt usually refers to money owed by one party, the debtor or borrower, to another party, the lender or creditor. However, there is a big difference between consumer debt and business debt, especially with how the debts are collected when they are in default status. Consumer Debt A debt is considered a "consumer debt" if it was primarily accrued for personal, family, or household ...
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  • Stephen Basedow presents Lawline CLE on Bankruptcy Ethics

    || 20-Feb-2017

    New York, New York: On February 7 th, 2017, Stephen Basedow and Michael Riela co-presented Ethical Rules and Pitfalls: What Every Bankruptcy Professional Needs to Know, a CLE program with Lawline. Broadcast live online and recorded at Lawline’s Studio in New York City, the program offered viewers strategies on tackling common issues that arise when filing for consumer or business bankruptcy. ...
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  • Simon Goldenberg Presents CLE on Defending Debt Collection Lawsuits

    || 10-Feb-2017

    New York, New York: On February 6 th, 2017, Attorney Simon Goldenberg presented, Defending a Consumer Debt Case, a Continuing Legal Education program with Lawline. Broadcast live online and recorded at Lawline’s Studio in lower Manhattan, the program offered viewers strategies on defending debt collection lawsuits. It is now available for on-demand viewing at Lawline.com. Defending A ...
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  • Lower Payments on Merchant Cash Advance & Business Loan Debt

    || 7-Feb-2017

    Our debt relief team has experienced an increase in callers from company owners seeking help with unaffordable business debts and struggling to keep up with the large daily, weekly, or monthly payments. With the fear of potentially having to close their companies due to insolvency, these proprietors are desperately seeking a solution to restructure their commercial debts. Not knowing where to turn ...
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  • What Are My Options to Resolve Business Debt?

    || 6-Feb-2017

    Running a business can be tough, particularly if you’re a small business competing against corporations. Though people take on debt in order to get their businesses off the ground, one of the simplest ways to encounter financial trouble as a business owner is to take on too much debt. Loans and merchant cash advances ( MCA debt ) can be especially problematic during a stagnant economy. Here ...
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  • How Do I Stop Creditors from Calling Me?

    || 30-Jan-2017

    Creditors have the right to contact consumers to collect on a debt… but there are limits to that right. Consumers are protected from harassment under the Fair Debt Collection Practices Act (FDCPA). Your Rights Under the FDCPA As a consumer, you are protected from creditor harassment such as: Incessant phone calls Phone calls late at night or early in the morning Phone calls at work, if they ...
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  • Discharging Social Security Overpayments in Bankruptcy

    || 20-Jan-2017

    Many retired or disabled individuals rely on the payments they receive from the Social Security Administration (SSA) to pay for their necessities. Unfortunately, the SSA can make mistakes and actually disburse too much money or even send payments to individuals that no longer qualify for such benefits. When an overpayment happens, the money will need to be returned. While getting an extra check or ...
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  • Cancelling and Settling Timeshare Debt

    || 16-Jan-2017

    Buying into a timeshare can seem like a sensible and affordable way to vacation with friends and family. But what happens if your finances tighten and your timeshare costs are no longer within your budget? With a contractual obligation to pay for the shared property, cancelling a timeshare agreement is not as simple as making a few phone calls. Once the salesperson succeeds in convincing a buyer ...
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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.