New York City Bankruptcy Attorney | NYC Law Office of William Waldner

William Waldner has been featured in numerous articles in some of the world’s most respected publications as an advocate for personal finance and bankruptcy. This page shows some of the more recent articles featuring William.

Highly educated and unemployed? Here’s how to bounce back financially

An advanced degree might boost your earnings, but it can’t protect you entirely from a bad job market. According to a new study, close to 20 percent of those currently unemployed are former high earners with advanced degrees – and many are also still stuck with student loan debt. This new problem is creating what some call a new class of Americans who are “downward financially mobile.” If you’re among this group, here’s what to do to better your situation.

What to Do With Your Tax Refund

“So you’re getting a tax refund? Good for you. I know a lot of folks like having that little – or sometimes big – windfall at this time of the year. It helps make up for the overspending from Christmas. According to personal finance expert and personal bankruptcy lawyer William Waldner www.uptownbankruptcy.com, “The average refund this year will be approximately $3,000.””

Small tax filing mistakes that can cost you big

It’s that time of year again. No, I’m not talking about March Madness. I’m talking about taxes. The April 15 deadline is fast approaching and, if you’re like most Americans, you haven’t filed your taxes yet. But don’t put it off too long. One common error many young filers make is missing the deadline.

High Court: Underwater Homeowners Can’t Void Second Mortgage in Bankruptcy

In a win for banks, the U.S.’s top court Monday ruled that underwater homeowners can’t get rid of a second mortgage by filing for bankruptcy protection.

All nine Supreme Court justices agreed that filing for chapter 7 bankruptcy protection doesn’t give homeowners the power to cancel a second mortgage when their properties aren’t even worth the value of the first mortgage.

Highly Educated and Unemployed? Here’s How to Bounce Back Financially

An advanced degree might boost your earnings, but it can’t protect you entirely from a bad job market. According to a new study, close to 20 percent of those currently unemployed are former high earners with advanced degrees – and many are also still stuck with student loan debt. This new problem is creating what some call a new class of Americans who are “downward financially mobile.” If you’re among this group, here’s what to do to better your situation.

Money Fix: Keeping holiday spending in check

It’s the time of year when it gets a little crazy — the parties, the presents, and spending like you won’t have to pay the bills in January. “It’s tempting to give in to impulse purchases — don’t take the bait,” says Mayra DiRico, director of retail banking at Astoria Bank in Lake Success.

5 Strategies to Dig Out of Student Loan Debt

Mike Dominguez is the first to admit he should have gotten on top of his student loan debt earlier. “Looking back, I could have done a lot of things different,” says Dominguez, 33, who lives in Austin, Texas, and recently started a business with his father, selling goods and professional services to government entities. Dominguez has $71,000 in student loan debt from earning an undergraduate degree at the University of Texas at Austin. He hasn’t paid off a dime of his balance yet and cites living too extravagantly in his 20sand taking on low-paying internships as obstacles. But his credit score is still healthy, and he’s still in good standing with his lenders, who have helped him refinance and consolidate and defer the loans. He feels optimistic that he’ll eventually pay the loans off. Someday.

7 Ways to Convince Debt Collectors to Settle for Less Than What You Owe

Fielding calls from debt collectors may be the least favorite part of your day, but handling them strategically may be the most important thing you do all year. Here’s what to say to get debt collectors to back off and settle for less than what you owe.

LI Residents Want Foreclosed ‘Zombie Properties’ Out Of Gold Coast Neighborhoods

Many communities are dealing with run down properties, and some are nestled in between multi-million dollar mansions. In Old Brookville on Long Island’s “Gold Coast,” where pristine properties sell for $2 million and up, one house stands out.

4 Misconceptions About Personal Bankruptcy: The Not-So-Ugly Truths About Going Chapter 13

While most financial analysts agree the US economy is headed towards recovery, it is still a sobering reality that 1 in 55 households will file for personal bankruptcy this year. Personal bankruptcy is not only financially crippling, it is also socially stigmatizing – which comes as an additional blow to those already down and out.

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