Tag: nassau county

Free Foreclosure, Loan Modification and Bankruptcy Assistance

On September 26, 2012, in Bankruptcy, Foreclosure, by Robbie L. Vaughn, Esq.

Free Foreclosure, Loan Modification and Bankruptcy Assistance

The following article appeared in Today’s New York Newsday:

Nassau County homeowners at risk of losing their homes can get free housing and legal advice on Monday, Oct. 1.

The Nassau County Bar Association will hold its monthly foreclosure clinic from 3 to 6 p.m. at its headquarters at 15th and West streets in Mineola. Volunteer attorneys will offer one-on-one guidance about foreclosure, loan modification and bankruptcy. Federally certified housing counselors will also be available.

Residents who meet income guidelines can meet with Nassau-Suffolk Law Services, which provides reduced-fee legal services.

Attorneys who speak Spanish will be on site, and those fluent in other languages can be made available upon request.

Those attending should bring their mortgage documents to the clinic. Reservations are required, and can be made by calling 516-747-4070.

The Law Firm of Vaughn, Weber & Prakope, PLLC  assists residents of  Nassau county, Suffolk county, Queens, Brooklyn, Bronx, Staten Island, and Manhattan with their bankruptcy filing, loan modification, and foreclosure defense. Call (516) 858-2620 for a FREE consultation!

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Rent Stabilized renewal lease period

On February 29, 2012, in Landlord-Tenant, by Robbie L. Vaughn, Esq.

Renewal Lease

Section 2523.5(a) of the NY Rent Stabilization code provides the following in pertinent part:

On a form prescribed or a facsimile of such form approved by the DHCR, dated by the owner, every owner, other than an owner of hotel accommodations, shall notify the tenant named in the expiring lease not more than 150 days and not less than 90 days prior to the end of the tenant’s lease term, by mail or personal delivery, of the expiration of the lease term, and offer to renew the lease or rental agreement at the legal regulated rent permitted for such renewal lease and otherwise on the same terms and conditions as the expiring lease. The owner shall give such tenant a period of 60 days from the date of service of such notice to accept the offer and renew such lease….

Landlord Tenant Attorney in Mineola

As always, The Law Firm of Vaughn, Weber & Prakope, PLLC is here to assist you with your Landlord-tenant matters. We are conveniently located in the heart of Nassau County, Long Island. Contact us at (516) 858-2620 to arrange a consultation.

How to raise your credit score for free

On February 28, 2012, in Bankruptcy, by Robbie L. Vaughn, Esq.

This is information that we provide to our bankruptcy clients, but others may find it useful as well.

First, beware of credit repair companies that claim they can magically erase derogatory entries from your report. No one can erase derogatory information from your credit report if the information is accurate and properly reported. However, if there is old or inaccurate information on your credit report, you can correct it yourself for free. Here is how:

A few months after your bankruptcy case is discharged, you should obtain a copy of your credit report. You can obtain a free credit report every twelve months by going to www.annualcreditreport.com or call 1-877-322-8228.

You should examine your credit report tradelines and dispute any improper or inaccurate entries. You should note any of your discharged debts that are being reported as something other than “discharged” (ask your bankruptcy attorney how specific pre-filing and discharged debts should be reflected on your credit report).

Your dispute can be filed online or in writing. Your credit report will contain detailed instructions on how to dispute inaccurate/improper information. The credit bureau will conduct an investigation and should remove the incorrect information. This, in turn, should have a positive impact on your credit score!

As always, The Law Firm of VAUGHN & WEBER, PLLC is here to assist you.  We are conveniently located in the heart of Nassau County, Long Island. Contact us at (516) 858-2620 to arrange a Free bankruptcy consultation.

Bankruptcy Bias For Blacks

On January 26, 2012, in Bankruptcy, by Robbie L. Vaughn, Esq.

Bankruptcy Bias for Blacks

A recent NY Times article discusses a recent study of racial differences in bankruptcy filings that shows a bankruptcy bias for blacks:

The study of racial differences in bankruptcy filings was written by Robert M. Lawless, a bankruptcy expert and law professor, and Dov Cohen, a psychology professor, both with the University of Illinois; and Jean Braucher, a law professor at the University of Arizona.

A survey conducted as part of their research found that bankruptcy lawyers were much more likely to steer black debtors into a Chapter 13 than white filers even when they had identical financial situations. The lawyers, the survey found, were also more likely to view blacks as having “good values” when they expressed a preference for Chapter 13.

This is news to me! As a NY Bankruptcy Attorney this has not been my experience, but I did find the article interesting and look forward to reviewing the study. I can assure you that bankruptcy can be a very difficult area of law (even for attorneys). There are many factors that need to be considered when deciding which bankruptcy chapter is best for you. No one should be steered into any chapter of bankruptcy! Make sure your bankruptcy attorney is a member of NACBA (National Association of Consumer Bankruptcy Attorneys). Also consult with several attorneys if possible (most offer a free consultation). We have no problem providing a free consultation to answer your general questions. We also have answers to frequently asked bankruptcy questions right here on this site.

New York Bankruptcy Attorneys

As always, the Law Firm of VAUGHN, WEBER & PRAKOPE, PLLC is here to assist you.  We are conveniently located in the heart of Nassau County, Long Island, at 393 Jericho Turnpike, Suite #208, in Mineola, NY.  Contact us at (516) 858-2620 to arrange a FREE consultation with a bankruptcy attorney.

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