Recent Posts in Debt Relief Category

  • 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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  • 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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  • 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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  • 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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  • 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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  • 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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  • 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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  • Debt Relief Tips to Start Your Year Off Right

    || 9-Jan-2017

    As we step into a new year, many of us are hoping to improve our financial health and possibly get out of debt. If you are one of these individuals looking to find debt relief or build your wealth this year, then the Law Offices of Simon Goldenberg, PLLC is here to help! Below, we outline some ways in which you can cut costs, save money, and pay off debts faster in 2017. We wish you the best in ...
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  • New Year's Resolution: Get Out of Debt!

    || 22-Dec-2016

    Everyone makes New Year’s resolutions to themselves each year but not many people can actually boast that they accomplished them. This year should be the year that is different. If you are in debt, make finding debt relief your New Year’s resolution and stick to it! With the right preparation, knowledge, and mindset, you can make it happen. When you are pursuing debt relief, keep these ...
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  • Useful Tips to Avoid Holiday Debts

    || 15-Dec-2016

    The holiday season represents a unique time of year where you are expected to spend more than you would on yourself and others than normal. In fact, many Americans actually plan to spend so much that they accrue debt that will take several months to pay off. This could arguably be giving too much. For your own benefit, it is probably best that you don’t rack up a holiday debt and keep in ...
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  • Statute of Limitations for Student Loans

    || 7-Oct-2016

    Is there a Statute of Limitations for Student Loans? There is much confusion regarding the applicability of the statute of limitations on bringing lawsuits to collect on defaulted student loans. Part of this confusion can be attributed to changes in federal laws that eliminated the statute of limitations on federal student loans. As such, in order to determine if an SOL applies, it’s ...
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  • Super Lawyers Honors Simon Goldenberg as a Rising Star in New York

    || 3-Oct-2016

    For the third consecutive year, Super Lawyers has selected Simon Goldenberg, Esq. to the New York Rising Stars list. Each year, no more than 2.5 percent of the lawyers in the state are selected by the research team at Super Lawyers to receive this honor. This award was conferred upon Mr. Goldenberg for his continuous achievements in the realm of consumer law and debt relief. The Law Office of ...
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  • Fighting Student Loan Lawsuits

    || 12-Sep-2016

    Have you been sued for a student loan? It's normal to have serious questions when facing legal action. Most borrowers and co-signers will want to minimize the impact of the lawsuit and avoid having a judgment entered against them. You might be wondering: Why am I being sued? Do I really owe them the amount they claim? How do I fight the lawsuit? What are my defenses? Can I settle the lawsuit ...
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  • Cancellation of Debt From A 1099-C

    || 25-Aug-2016

    Pursuant to the IRS, a debt exists if you borrow money and are obligated to pay back a determinable amount in the future. There are situations where debts are deemed cancelled for tax purposes, however, it should not be assumed that a 1099-C results in the borrower being relieved of their obligation to repay. What to do if you receive a 1099-C Don't panic! Provide the form to your certified ...
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  • Business Debt Settlement

    || 15-Aug-2016

    It’s no secret that to operate a small business, the owner needs access to money. Whether the business is a startup, in growth-mode, or is experiencing seasonal fluctuations, lack of capital can be a recipe for disaster. Business owners might seek financing through bank loans, SBA loans, lines-of-credit, credit cards, or even by taking a Merchant Cash Advance. Falling behind on business ...
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  • Relief From Surprise Medical Bills

    || 8-Aug-2016

    Are you seeking relief from surprise medical bills or emergency services? According to a study by NerdWallet, over 56 million Americans under the age of 65 will have trouble paying healthcare related bills, with medical debts being the biggest cause for filing for bankruptcy. Dealing with medical bills can be a daunting task, especially if they’re unexpected. Even if you are covered under ...
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  • Can You Change Your Mind After Filing for Bankruptcy?

    || 1-Aug-2016

    If you have filed for bankruptcy, there are various reasons why you may want to pursue the cancellation or dismissal of your case. Financial situations change and what may have been in your best interest at one time may no longer be the optimal route forward. Maybe you have unexpectedly inherited money, secured a new job, or were able to avoid a home foreclosure through alternative means. ...
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  • How To Reduce Credit Card Debts

    || 22-Jul-2016

    Since most people have credit cards, it’s critical to understand interest rates, and how the compounding of interest can cause your balance to grow at an alarming rate. Managing your interest rate could be the key to reducing credit card debts. If you make your monthly payments on time, your account might already qualify for a lower interest rate. Our attorneys suggest making a phone call to ...
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  • How Long Does a Creditor Have to File a Debt Collection Lawsuit?

    || 18-Jul-2016

    Do you have old credit card debt or outstanding loans? Do you want to move forward with your life but are unsure how these debts will affect your finances in the future? Consumers who owe a debt are given protections under the law which limit the amount of time a creditor can legally collect on a debt owed. This time limit is known as the statute of limitations (SOL) and in New York State, a ...
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  • New York City Debt Relief Lawyers

    || 7-Jul-2016

    If you’re looking for relief from your debts then you might already know how stressful the collection process can be. Regardless of whether you’re saddled with overwhelming credit card debts, business loans, or large student loan payments, you’ll want a seasoned attorney to help guide you to a fair resolution. At the Law Office of Simon Goldenberg, PLLC, we help New Yorkers get ...
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  • An Overview of Automatic Stay in Bankruptcy

    || 25-May-2016

    When a person files for Chapter 7 or Chapter 13 bankruptcy, they are afforded relief from creditor communications and collection efforts through a court injunction known as an “automatic stay.” An automatic stay can provide individuals with protection against bill collectors, allowing them much needed breathing room to reorganize their finances. An automatic stay can protect against ...
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