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Hope for the Best, Plan for the Bankruptcy

We all know the odds when it comes to starting a small or independent business. About 1 in 5 won’t make it past the first year, and less than half make it past the five-year mark. After ten years, fewer than a third of small businesses are still going.  ...

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Wage garnishment in New York

Wage garnishment in New York happens when a court orders your employer to withhold a specific amount of money from your paycheck and have it sent directly to the creditor you owe money to. There are many reasons why people have their wages garnished, though some of the most common...

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Pros and Cons of Filing Bankruptcy

Pros and Cons of Filing Bankruptcy If you have a lot of debt that you worry you’ll never be able to pay back, then you need to consider bankruptcy. This is a tool that can be used to help you get out of debt and back to living your life....

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Should I File Bankruptcy in NYC Because of CoVid-19?

After practicing bankruptcy law in New York City for over a decade, I thought I’d seen every financial calamity that could bring someone to need our help.  That was obviously before the novel coronavirus, CoVid-19, and the upending of our lives in NYC and around the world.  In a few short weeks,...

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Emergency Financial Help During A Crisis

This article originally appeared on Forbes.  The original article can be found at: Click here There’s no question times are tough for many small businesses (though it’s good to see the private sector rising to the occasion). With customers staying home, travel canceled and most things grinding to a halt while...

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Do I have to pay rent during the Moratorium in NYC?

Countless New Yorkers have already lost their jobs due to the coronavirus outbreak, and more than half of them rent their homes in the city. It’s going to be hard to make rent in the months ahead for many of our neighbors. Fortunately, among the sweeping changes that Governor Cuomo...

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What Happens To Your Business Assets In A Personal Bankruptcy?

This article originally appeared on Forbes.  The original article can be found at: Click Here In my last article, we saw what can happen when a business bankruptcy intrudes on personal finances — with potentially disastrous consequences for an innocent spouse. But what if you’re facing personal bankruptcy despite owning and...

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