Ronald D Weiss, PC Attorney at Law

Ronald D Weiss, PC Attorney at Law

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Ronald D. Weiss, P.C. Attorney at Law is a Long Island bankruptcy, foreclosure, and modification lawyer. Since 1988, Ron and his team have represented individuals and businesses in the greater Long Island and New York areas undergoing financial hardship.

If you’re in need of a legal solution for overwhelming debt or foreclosure, please contact us for a free consultation. http://bit.ly/2AqVuSL

Operating as usual

09/22/2021

Negotiated Settlement of Credit Card Debt

Credit cards can be aggressively settled, especially when the credit card companies are aware that the alternative may be a bankruptcy case to completely eliminate the credit card debt.
i) The Need for Credit Card Negotiations – Most of the clients coming to our office with credit card debt are interested in bankruptcy solutions since they are usually more thorough and certain than negotiated settlements. However, there are many instances where our clients have either too much in terms of assets or income to file a bankruptcy case that would sufficiently alleviate their debt situation. In other situations the debt is not sufficiently overwhelming to require a bankruptcy case and the client may be better served by negotiating a lower payment for debt that they can pay.
ii) How Our Office Can Help You Negotiate a Settlement with Your Credit Cards – In situations where bankruptcy is not possible or desired by a client, our office can negotiate “lump sum” settlements for payment plans with the client’s creditors. Given that we are a bankruptcy firm and routinely file bankruptcy cases creditors are informed that we are exploring bankruptcy options but would prefer a negotiated solution. Often we are able to obtain a lump sum resolution which reduces the debt to 33-50% of the debt. If the client needs to negotiate a payment plan, the loan will not usually be so drastically reduced but it will be reduced in terms of interest and monthly payments.
iii) Our Method of Negotiating with Credit Cards– Because clients often come to use with several or numerous credit cards that require negotiation, we prepare an Excel sheet that lists all the creditors and their pertinent contact and loan information. Then we systematically write and call all the cards in pursuit of negotiated settlements. Using this method we can best track the progress with our settlement efforts and advise our clients as to our progress.
Credit card negotiations can be involved and experience and the leverage of other legal options, are all helpful. The Law Office of Ronald D. Weiss, P.C. regularly represents its Long Island and New York clients in credit card negotiations.

Law Office of Ronald D. Weiss, P.C.
Long Island Bankruptcy Law Office of Ronald D. Weiss, P.C.
734 Walt Whitman Rd. Suite 203
Melville, NY 11747
P: 631.271.3737
C: 516.743.8844
F: 631.271.3784
[email protected]
#bankcruptcy #foreclosuresolutions #taxdebtsolutions #creditcarddebtrelief #litigationdefense

Negotiated Settlement of Credit Card Debt

Credit cards can be aggressively settled, especially when the credit card companies are aware that the alternative may be a bankruptcy case to completely eliminate the credit card debt.
i) The Need for Credit Card Negotiations – Most of the clients coming to our office with credit card debt are interested in bankruptcy solutions since they are usually more thorough and certain than negotiated settlements. However, there are many instances where our clients have either too much in terms of assets or income to file a bankruptcy case that would sufficiently alleviate their debt situation. In other situations the debt is not sufficiently overwhelming to require a bankruptcy case and the client may be better served by negotiating a lower payment for debt that they can pay.
ii) How Our Office Can Help You Negotiate a Settlement with Your Credit Cards – In situations where bankruptcy is not possible or desired by a client, our office can negotiate “lump sum” settlements for payment plans with the client’s creditors. Given that we are a bankruptcy firm and routinely file bankruptcy cases creditors are informed that we are exploring bankruptcy options but would prefer a negotiated solution. Often we are able to obtain a lump sum resolution which reduces the debt to 33-50% of the debt. If the client needs to negotiate a payment plan, the loan will not usually be so drastically reduced but it will be reduced in terms of interest and monthly payments.
iii) Our Method of Negotiating with Credit Cards– Because clients often come to use with several or numerous credit cards that require negotiation, we prepare an Excel sheet that lists all the creditors and their pertinent contact and loan information. Then we systematically write and call all the cards in pursuit of negotiated settlements. Using this method we can best track the progress with our settlement efforts and advise our clients as to our progress.
Credit card negotiations can be involved and experience and the leverage of other legal options, are all helpful. The Law Office of Ronald D. Weiss, P.C. regularly represents its Long Island and New York clients in credit card negotiations.

Law Office of Ronald D. Weiss, P.C.
Long Island Bankruptcy Law Office of Ronald D. Weiss, P.C.
734 Walt Whitman Rd. Suite 203
Melville, NY 11747
P: 631.271.3737
C: 516.743.8844
F: 631.271.3784
[email protected]
#bankcruptcy #foreclosuresolutions #taxdebtsolutions #creditcarddebtrelief #litigationdefense

09/20/2021

How Does Bankruptcy Automatic Stay Work?

If you live in New York, and you are being harassed by creditors or collection agencies, the automatic stay part of the bankruptcy process may give you room to breathe.

What is an Automatic Stay?

Under Section 362 of the United States Bankruptcy Code https://www.usbankruptcycode.org/, as soon as you declare bankruptcy, and your paperwork is submitted to the court, an automatic stay kicks in. This prevents most people and companies from trying collect the money you owe them. Most debtors and bill collectors must immediately stop trying to call, write, or email you. Let’s look at what an automatic stay does and doesn’t cover.

Read full article here:
https://www.ny-bankruptcy.com/how-does-bankruptcy-automatic-stay-work/

Law Office of Ronald D. Weiss, P.C.
Long Island Bankruptcy Law Office of Ronald D. Weiss, P.C.
734 Walt Whitman Rd. Suite 203
Melville, NY 11747
P: 631.271.3737
C: 516.743.8844
F: 631.271.3784
[email protected]
#bankcruptcy #foreclosuresolutions #taxdebtsolutions #creditcarddebtrelief #litigationdefense

How Does Bankruptcy Automatic Stay Work?

If you live in New York, and you are being harassed by creditors or collection agencies, the automatic stay part of the bankruptcy process may give you room to breathe.

What is an Automatic Stay?

Under Section 362 of the United States Bankruptcy Code https://www.usbankruptcycode.org/, as soon as you declare bankruptcy, and your paperwork is submitted to the court, an automatic stay kicks in. This prevents most people and companies from trying collect the money you owe them. Most debtors and bill collectors must immediately stop trying to call, write, or email you. Let’s look at what an automatic stay does and doesn’t cover.

Read full article here:
https://www.ny-bankruptcy.com/how-does-bankruptcy-automatic-stay-work/

Law Office of Ronald D. Weiss, P.C.
Long Island Bankruptcy Law Office of Ronald D. Weiss, P.C.
734 Walt Whitman Rd. Suite 203
Melville, NY 11747
P: 631.271.3737
C: 516.743.8844
F: 631.271.3784
[email protected]
#bankcruptcy #foreclosuresolutions #taxdebtsolutions #creditcarddebtrelief #litigationdefense

09/14/2021

What to Know About COVID Moratoriums and Bankruptcy

Whether you are a landlord, a renter, a commercial tenant, or a homeowner, if you live in New York you need know your options when it comes to the various COVID moratorium and if bankruptcy is an option.

What to Know if You’re a Renter

If you are one of the 8 million households in the US who are behind on your rent, time is running out. The US Supreme Court https://time.com/nextadvisor/in-the-news/eviction-moratorium-ended-supreme-court/ recently rejected extending the federal eviction ban. On September 2nd, New York State’s eviction moratorium was extended to January 15, 2022 (see Governor Hochul’s announcement here – https://www.governor.ny.gov/news/governor-hochul-signs-new-moratorium-covid-related-residential-and-commercial-evictions-law. It is more than likely that this latest extension will also be challenged in court.

Depending on how much back rent you owe, your relationship with your landlord, and whether or not you wish to retain your lease, declaring bankruptcy may be an option for you. However, you will have to start the bankruptcy process before your landlord is awarded an eviction judgment.

Read full article here:
https://www.ny-bankruptcy.com/what-to-know-about-covid-moratoriums-and-bankruptcy/

Law Office of Ronald D. Weiss, P.C.
Long Island Bankruptcy Law Office of Ronald D. Weiss, P.C.
734 Walt Whitman Rd. Suite 203
Melville, NY 11747
P: 631.271.3737
C: 516.743.8844
F: 631.271.3784
[email protected]
#bankcruptcy #foreclosuresolutions #taxdebtsolutions #creditcarddebtrelief #litigationdefense

What to Know About COVID Moratoriums and Bankruptcy

Whether you are a landlord, a renter, a commercial tenant, or a homeowner, if you live in New York you need know your options when it comes to the various COVID moratorium and if bankruptcy is an option.

What to Know if You’re a Renter

If you are one of the 8 million households in the US who are behind on your rent, time is running out. The US Supreme Court https://time.com/nextadvisor/in-the-news/eviction-moratorium-ended-supreme-court/ recently rejected extending the federal eviction ban. On September 2nd, New York State’s eviction moratorium was extended to January 15, 2022 (see Governor Hochul’s announcement here – https://www.governor.ny.gov/news/governor-hochul-signs-new-moratorium-covid-related-residential-and-commercial-evictions-law. It is more than likely that this latest extension will also be challenged in court.

Depending on how much back rent you owe, your relationship with your landlord, and whether or not you wish to retain your lease, declaring bankruptcy may be an option for you. However, you will have to start the bankruptcy process before your landlord is awarded an eviction judgment.

Read full article here:
https://www.ny-bankruptcy.com/what-to-know-about-covid-moratoriums-and-bankruptcy/

Law Office of Ronald D. Weiss, P.C.
Long Island Bankruptcy Law Office of Ronald D. Weiss, P.C.
734 Walt Whitman Rd. Suite 203
Melville, NY 11747
P: 631.271.3737
C: 516.743.8844
F: 631.271.3784
[email protected]
#bankcruptcy #foreclosuresolutions #taxdebtsolutions #creditcarddebtrelief #litigationdefense

09/03/2021

Student Loan Negotiations

Benjamin Franklin once stated, “in this world nothing can be said to be certain, except death and taxes.” Popular opinion has recently amended this phrase to include student loans. Most careers now require a bachelor’s degree; and consequently, the total student loan debt for Americans has ballooned to over $1.64 Trillion for federal loans and $124.65 billion for private loans. The average American with student loans has on average $35,397 of student loan debt. So, if you have student loans you are not the only one and at least you are reading this summary and progressively pursuing ways in which to mitigate your student loan debt obligation.

There are two types of student loans, federal and private student loans. Federal student loans are loans that are federally backed and have strict federally oversight. Private student loans are where private lenders lend funds to students for the excess of their educational and living expenses which federal loans do not cover.

Typically, federal loans are easier to seek an affordable payment plan because of the federal oversight. Private loans on the other hand, are more restrictive and affordable payment plans are harder to obtain for long term relief. Please read the rest of our Student Loans Summary for more information regarding the different ways which we will help you with your student loans.

Law Office of Ronald D. Weiss, P.C.
Long Island Bankruptcy Law Office of Ronald D. Weiss, P.C.
734 Walt Whitman Rd. Suite 203
Melville, NY 11747
P: 631.271.3737
C: 516.743.8844
F: 631.271.3784
[email protected]
#bankcruptcy #foreclosuresolutions #taxdebtsolutions #creditcarddebtrelief #litigationdefense

Student Loan Negotiations

Benjamin Franklin once stated, “in this world nothing can be said to be certain, except death and taxes.” Popular opinion has recently amended this phrase to include student loans. Most careers now require a bachelor’s degree; and consequently, the total student loan debt for Americans has ballooned to over $1.64 Trillion for federal loans and $124.65 billion for private loans. The average American with student loans has on average $35,397 of student loan debt. So, if you have student loans you are not the only one and at least you are reading this summary and progressively pursuing ways in which to mitigate your student loan debt obligation.

There are two types of student loans, federal and private student loans. Federal student loans are loans that are federally backed and have strict federally oversight. Private student loans are where private lenders lend funds to students for the excess of their educational and living expenses which federal loans do not cover.

Typically, federal loans are easier to seek an affordable payment plan because of the federal oversight. Private loans on the other hand, are more restrictive and affordable payment plans are harder to obtain for long term relief. Please read the rest of our Student Loans Summary for more information regarding the different ways which we will help you with your student loans.

Law Office of Ronald D. Weiss, P.C.
Long Island Bankruptcy Law Office of Ronald D. Weiss, P.C.
734 Walt Whitman Rd. Suite 203
Melville, NY 11747
P: 631.271.3737
C: 516.743.8844
F: 631.271.3784
[email protected]
#bankcruptcy #foreclosuresolutions #taxdebtsolutions #creditcarddebtrelief #litigationdefense

09/01/2021

What Are the Alternatives to Bankruptcy?

While filing for bankruptcy protection is often an option chosen by debtors in resolving serious financial problems, there are also non-bankruptcy options that may provide an alternative to a bankruptcy filing. Some of these options involve out of court negotiations, leading to potential settlements or loan modifications with creditors. Other options entail litigation defense by answering the creditor’s complaint (within 20 or 30 days) and defending against a creditor’s pursuit of debt by either challenging the legitimacy of the debt or the methods by which the creditor has attempted to pursue the debt.

In some situations, non-bankruptcy options are available and preferable. However, a bankruptcy filing is often the most direct and powerful tool for a debtor to deal with serious financial problems. Nonetheless, it must be stressed that bankruptcy is not the solution for every problematic financial situation, and that in some cases, bankruptcy entails certain risks.

If your debts are primarily unsecured debts, like credit cards, negotiations with your credit cards, especially by a firm like ours that can otherwise file a bankruptcy case can be effective in lowering the debt. Lump sum agreements give more of a discount than payment plans, but both can yield positive results. We can also litigate with unsecured creditors, especially when there is a potential dispute, or where we need additional time or leverage to reach a positive settlement. Bankruptcy usually provides more certainty and immediacy in terms of a resolution of debt. However, negotiated agreements or litigation defense may be preferable when the client does not have a general debt problem, but only has issues one or two isolated creditors, or where a client may not qualify for bankruptcy. Also, some clients may prefer to try to avoid bankruptcy, and negotiation options, even if not as effective as bankruptcy, can provide enough relief in their situations without the need for a bankruptcy filing. Our office generally negotiates most debts on behalf of our clients including credit card, tax, mortgage, and other debts.

Law Office of Ronald D. Weiss, P.C.
Long Island Bankruptcy Law Office of Ronald D. Weiss, P.C.
734 Walt Whitman Rd. Suite 203
Melville, NY 11747
P: 631.271.3737
C: 516.743.8844
F: 631.271.3784
[email protected]
#bankcruptcy #foreclosuresolutions #taxdebtsolutions #creditcarddebtrelief #litigationdefense

What Are the Alternatives to Bankruptcy?

While filing for bankruptcy protection is often an option chosen by debtors in resolving serious financial problems, there are also non-bankruptcy options that may provide an alternative to a bankruptcy filing. Some of these options involve out of court negotiations, leading to potential settlements or loan modifications with creditors. Other options entail litigation defense by answering the creditor’s complaint (within 20 or 30 days) and defending against a creditor’s pursuit of debt by either challenging the legitimacy of the debt or the methods by which the creditor has attempted to pursue the debt.

In some situations, non-bankruptcy options are available and preferable. However, a bankruptcy filing is often the most direct and powerful tool for a debtor to deal with serious financial problems. Nonetheless, it must be stressed that bankruptcy is not the solution for every problematic financial situation, and that in some cases, bankruptcy entails certain risks.

If your debts are primarily unsecured debts, like credit cards, negotiations with your credit cards, especially by a firm like ours that can otherwise file a bankruptcy case can be effective in lowering the debt. Lump sum agreements give more of a discount than payment plans, but both can yield positive results. We can also litigate with unsecured creditors, especially when there is a potential dispute, or where we need additional time or leverage to reach a positive settlement. Bankruptcy usually provides more certainty and immediacy in terms of a resolution of debt. However, negotiated agreements or litigation defense may be preferable when the client does not have a general debt problem, but only has issues one or two isolated creditors, or where a client may not qualify for bankruptcy. Also, some clients may prefer to try to avoid bankruptcy, and negotiation options, even if not as effective as bankruptcy, can provide enough relief in their situations without the need for a bankruptcy filing. Our office generally negotiates most debts on behalf of our clients including credit card, tax, mortgage, and other debts.

Law Office of Ronald D. Weiss, P.C.
Long Island Bankruptcy Law Office of Ronald D. Weiss, P.C.
734 Walt Whitman Rd. Suite 203
Melville, NY 11747
P: 631.271.3737
C: 516.743.8844
F: 631.271.3784
[email protected]
#bankcruptcy #foreclosuresolutions #taxdebtsolutions #creditcarddebtrelief #litigationdefense

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734 Walt Whitman Rd. Suite 203
Melville, NY
11747

Opening Hours

Monday 9am - 7:30pm
Tuesday 9am - 7:30pm
Wednesday 9am - 7:30pm
Thursday 9am - 7:30pm
Friday 9am - 7:30pm
Saturday 9am - 5pm
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