Bankruptcy means a fresh financial start for your family but discharging your debt is only the first step to repairing and building good credit. Create and stick to a monthly budget. In your post-bankruptcy life it is critical to live within your means. Otherwise, you may backslide into debt. Creating a monthly budget will help…

Critical Executive Order on eviction comes just in time. Governor Cuomo announced an extension of a moratorium on evictions during the coronavirus pandemic. The moratorium was due to expire at midnight, but is now extended to September 4, 2020. The Governor’s Executive Order is covered under the Tenant Safe Harbor Act. The Act provides protections…

No homeowner wants to experience a foreclosure. Losing a job, unexpected medical expenses, or a divorce or loss of a spouse can put you into a precarious financial position and behind in your mortgage payments. Fortunately, there are ways to avoid foreclosure and bankruptcy. What is a loan modification? A loan modification can help make…

There’s good news. New York State just launched a special rent assistance program. Eligible households will receive a one-time rental subsidy for up to four months rent, payable directly to the landlord. Who is eligible? To be eligible, you must meet all of the following criteria: Before March 1, 2020 and at the time of…

It’s no secret that the hospitality industry is one of the hardest hit by COVID-19. Bars and restaurants faced months-long closures or flipped their business plans on their head to stay afloat by converting to a curbside pick-up and delivery model.  Restauranteurs, and their employees, looked forward to their region’s economic reopening to throw open…

Just as important as your responsibilities (covered here), business owners have rights to protect themselves, employees, and clientele. Can I require patrons to wear a mask? In most cases, yes. Just like many businesses have a “No Shirt, No Shoes, No Service” policy, you may also have a “No Mask, No Service” policy for your…

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We are a Debt Relief Agency. We Help People file for Bankruptcy under the Bankruptcy Code.

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