NY Bankruptcy Announces Bankruptcy Web Series Launch

A new video has been released by NY Bankruptcy on their YouTube channel. We have provided the intro video below, For the full bankruptcy web series visit their channel.

For more information regarding Long Island Bankruptcy visit Nybankruptcy.com

Advice For Those Consumers Contemplating A Bankruptcy Filing

businessman with financial symbols coming from hand

Advice For Those Consumers Contemplating A Bankruptcy Filing

When you’re indebted to people or institutions, it’s only a matter of time before they show up at your door to collect. Sometimes literally. End calls from debt collectors and gain control over your finances by filing for bankruptcy. This article will provide you with information to help you through this rough time. http://nybankruptcy.com/

If you are planning to file for bankruptcy in the near future, don’t charge up your credit cards thinking that you won’t have to pay back the debt. In many states, there are rules about how much credit card debt and what kind, may be discharged in a bankruptcy. For instance, if you make purchases for luxury items, such as an expensive new TV, within 6 months prior to filing, you may be obligated to pay that amount back. On the other hand, if you used your credit card to purchase groceries, or other necessities, the rules may be different. Be sure to ask your attorney for advice.

In any personal bankruptcy filing, it is essential to make certain to list all elements of your financial life in your petition and other paperwork. Failing to include all income sources or omitting individual debts and accounts can lead to substantial problems down the road that can limit the dischargeability of some of your most substantial obligations.

Remember you still have to pay taxes on your debts. A lot of people don’t realize that even if their debts are discharged in the bankruptcy, they are still responsible to the IRS. The IRS usually does not allow complete forgiveness, although payment plans are common. Make sure to find out what is covered and what is not.

Make sure you have a solid understanding of which debts can be eliminated by bankruptcy, and which ones cannot. Debts like student loans, child support or alimony payments, and taxes, are generally not discharged through bankruptcy. Bankruptcy can help if your wages are being garnished or if you have large unsecured debts, like, credit cards and utility bills.

Know what debts can be forgiven. You may hear that you have to pay a certain debt, and that it cannot be discharged, but that information will usually be coming from a bill collector. Student loans and child support and a few other debts cannot be discharged, but most others can.

Be sure to consider all of your options before filing for personal bankruptcy, as there may be some you haven’t considered. If you have a job that has slowed down due to the recession, such as construction, you may need to find a new job. This could help your situation until the economy picks back up.

Do some research. There are two main types of personal bankruptcy – Chapter 7 and Chapter 13. Chapter 7 will eliminate the majority of your debt while Chapter 13 restructures it to give you time to pay it off. Each one has different rules on what assets you are allowed to keep. So, ask a lot of questions before you decide which one is the best fit for your situation.

Don’t repay personal debt to friends and family before filing for bankruptcy. Although you may feel obligated to pay these people back first, it is not a wise decision. Because you must reveal this information when you file for bankruptcy, the trustee can legally ask for this money back or sue for it.

Always look into other options and make personal bankruptcy your last resort. Be aware that some debt consolidation companies could cause you even more debt. Remember the tips in this article so you can make the best financial choices and avoid future debt.

Food Delivery Long Island

chef preparing healthy meal

A Few Tips For Taking Charge Of Your Weight

Apple And Heavy Orange FullIf you change your lifestyle including diet, exercise and bad habits, you’ll find that your weight will drop off and it will stay off. It sounds extreme, but if you’re really dedicated to change you will find it comes a lot faster than you expected. Here are some ideas to help you on your journey:

When eating to lose weight, try to eat more slowly and chew your food more thoroughly. This will give your stomach time to signal your brain that you have had enough. It can also help you feel more full on less food, since you’ve chewed so much more than usual.

Consider making weight loss into a fun adventure instead! Break up your workout routine by going out dancing instead. If you stay away from sugar-laden drinks and calorie-ridden chasers, you’ll be burning calories all night. Who knows? You might even catch somebody’s eye. Either way, you’ll have fun with friends and sweat it out at the same time!

Having trouble losing those last few pounds? Try increasing the amount of effort you put into your workouts or energy you put into your daily activity. Your body may have become accustomed to your daily routine and is using less calories (energy) to complete those tasks. By increasing the intensity, you’re increasing the amount of energy your body is using in each activity. Food Delivery Long Island

By replacing unhealthy snack foods, such as salty chips or crackers and sweets, with healthier altvernatives, such as fruit, one’s diet will be much better. By choosing snacks with a better nutritional value, one can limit the amount of food items eaten that are unhealthy and unproductive for losing weight. This will increase weight loss.

Don’t eliminate fat altogether when you are trying to lose weight. Dietary fat is needed to help keep a healthy body. Healthy fats help build body tissues and cells. Vitamins and other nutrients are absorbed with the help of fat. You should eliminate the unhealthy fats, but keep the healthy fats to help with your body functions.

Before sitting down to a meal, have a glass or two of water. This creates a feeling of being a little full, and you won’t eat as much. Water is a good way to make sure you don’t gorge yourself, and it’s also a good way to clean your system.

Reducing the carbohydrates in your diet will go a long way toward helping lose weight. Remember that the key is to reduce carbs, not get rid of them completely. They are still an essential source of energy that will help you keep up your exercise regimen, but eating too much of carb-heavy foods like pasta will only deter your weight loss efforts.

Eating out of loneliness is a big problem for many Americans. Recognizing when you are doing this will help you learn how to break the habit. You need to find other actives when you feel lonely (chat online, email people, go to a crowded place) and you will find that you will start to lose weight simply by not eating so much.

Don’t be an “extremist” with your weight loss journey. If your body is used to 3000 calories a day, and taking food in whenever you feel a pang of hunger, well it’s not going to like you limiting the calories to 1200 calories and “starving” through those pangs. Set a goal of 1500 calories and spread them out throughout the day. Eat an apple or even a small salad for a snack. Chew on some celery or carrot sticks You would be surprised at what you now like.

When you’re changing your lifestyle to lose weight you need all the support in the world. What we’ve included here is only a jumping off point, it’s up to you to make other changes that you feel comfortable with to increase your weight loss until your goal is met.

Long Island Car Service Tips

Long Island Car Service

Avoid Those Travel Headaches With These Simple Tips

businessman with financial symbols coming from handIf you want to become an expert traveler, or even just make sure your future trips all go smoothly and efficiently, there are plenty of ways to transform any travel experience from a merely acceptable one to a great one. Read the below tips to find out how to make your trips effortless and enjoyable. for a quick and easy to use car service check out a Local Long Island Car Service or visit the site.

If you are planning on spending a large amount of money on your trip or vacation, consider investing a small amount more on travel insurance. It will insure that you are protected in the event that your trip must be canceled due to personal illness, natural disaster, or other uncontrollable events.

In most parts of the world, it is considered good etiquette to ask someone for permission when taking their picture. Many people will become very offended if you take their photograph without asking, and this could even lead to violence. It is better to simply get their permission first than risk offense.

Do not travel with wrapped gifts. When traveling for the holidays, it is tempting to get things done ahead of time and wrap all of your gifts, but don’t! The TSA does not allow wrapped gifts onto airlines and they may need to unwrap the gifts to inspect their contents.

Preparing a budget for various expenses before traveling will help one not overspend while on vacation. Having a budget already laid out will keep one more conscious of their spending. The increased attention on not overspending will prevent stressful and frustrating situations such as bouncing a check from occurring. Also it will give one more peace of mind.

Whenever you travel for business or pleasure, research your destination before you leave. Arriving in a foreign city without any idea where to go or what to see can be overwhelming and takes away from the experience. Read a guide on your destination and talk to people you know have been there. You can easily learn some insiders tips.

Taking time to travel to new areas while on the way to an intended travel destination can help one find new places to stay at for the next time they want to take a trip. Side trips can often yield new and exciting places for one to explore either on their trip or to book a separate trip to experience fully.

If you need to travel across the country but are on a limited budget, consider traveling by bus. In the past, bus travel was viewed somewhat unfavorably, but today major players like Greyhound, have made major improvements to attract the growing number of travelers who can’t afford plane tickets. Today bus lines are a more civil experience. Cleaner, newer buses are the norm and most stations offer free wireless internet access and sundries.

Shopping for airline tickets online isn’t always the best deal. In general, you will find the same price by buying online as you will from the airline itself or from agencies. At times you can find great airline deals online but they are limited and contain restrictions. If you don’t mind the limits, buying your tickets online may be for you. check us out at http://carserviceli.com/

If you are someone who loves to travel frequently, a timeshare may be a good investment. Many timeshares offer a points system and exchange weeks. If your timeshare is in Maine and you would like to go to Aruba, you can exchange or trade your timeshare week with someone else. Although there is an initial investment, the money you will save on hotel stays, will be well worth the expense.

People who travel for a living learn to use a lot of little tips and tricks, like the ones above, to make sure all their trips are simple, pleasant experiences, whether they’re leaving home for a day or a month. With these insider tips, you’re well on your way to being an expert traveler, too.

Long Island Contractors

Long Island Contractors

Easy Ways To Make Your House A Nicer Home

Teamwork in constructionGaining confidence in the area of home improvement is something that has proven elusive for many. However, preparing yourself to tackle a wide range of such tasks does not have to be difficult. By utilizing the advice contained in this article, you will have the information and know-how needed to dramatically enhance your home’s beauty and functionality.

Before beginning home improvements apply for the appropriate building permits. Any home improvement that involves plumbing, electricity, or structural changes can require a permit. Check your local laws. If you proceed without a permit then you can be fined or it could make the house harder to sell in the future. For more information about Local Long Island Contractors click the link.

Design a renovation with an eye to creating built-in storage. For example, a broom closet can be reborn into a small pantry, or you can add floor-level shelving to a coat closest for shoes and bags. If you are renovating to sell a home, the benefit of the added storage can be the deciding factor in a buyer’s decision.

Choosing the right paint color for a room is essential. Color can affect how you feel when you are in the room. A cool color will calm you, whereas a warm tone can energize you. If you are painting a small space, use a cool color as it will make the room look larger. If the space is imposing, use a warm color to make it feel more cozy.

If you have no counter space, install a microwave over the range. When you replace a range hood with this type of microwave, you enjoy features like a flexible price range and even convection cooking options. Because most units have only a recirculating filter instead of a vent, they’re best suited for cooks who don’t require a strong venting solution.

Don’t just dump your purses on the floor of your closet, organize them. Simply buy some silver hooks from your local Lowe’s or Home Depot. If the space allows, place the hooks on your closet bar and hang your purses on the hooks. Arrange them by size, shape or color. Whatever you do, you are sure to feel the benefits of the cleared up space.

Light is a premium often overlooked in home improvement projects. There are far, far more rooms in the world that are too dim than there are rooms that are too bright. Adding more light fixtures is almost always a wise home improvement job, and often a fairly simple one. In more extensive renovation work, installing more windows accomplishes similar results.

New wallpaper can transform a room. Before you add wallpaper, you need to find out what type of wall is under the existing wallpaper. Usually walls are either drywall or plaster smoothed over lath. You can figure out what kind of wall you are dealing with by feeling the wall, plaster is harder, smoother, and colder than drywall. You can also try tapping the wall, drywall sounds hollow while plaster does not.

If you want to remodel your kitchen, but the cost and time involved are too big of a commitment, consider refacing your kitchen cabinets. Refacing requires only the cabinet doors, drawer fronts and frame surfaces to be replaced. This usually only costs one-half to one-third of what a full cabinet replacement would cost. In addition, the work can be completed in a fraction of the time.

Home improvement work is something many feel ill-equipped to undertake on their own. The important thing to remember, though, is that with the proper information, anything is possible in this realm. Take advantage of the tips in this piece, and you will soon be ready to perform a broad array of home improvement jobs that will increase the appeal of your home. other construction site for more information.

car accident lawyer long island

Can’t Find A Good PI Lawyer? Use These Tips!

915201541420PMCareers-that-Law-Students-Can-PursueIf personal injury is a problem for you, you may already be aware that going to court is in your future. Insurance companies rarely deliver the best results, so you must prove your case in court. This article is full of useful tips that will help you win your personal injury case.

Stay off social media! That means Facebook, Twitter and Flickr. Don’t post photographs of yourself dancing if you’re claiming an injured back! Don’t tell anyone you went water skiing when you claim to have hurt your foot. Just stay off the internet and say as little as possible online instead.

Before you commit to a personal injury lawyer, sit down for an initial consultation with them and have them break down what they will do for you. The object when choosing a personal injury lawyer is for you to feel comfortable with them, especially since you are probably dealing with a sensitive matter. For a local Car Accident Lawyer Long Island 

If you are considering hiring an attorney, set up a consultation first. Generally, this consultation should be free, but make sure you clarify this point before you head into the meeting. If a fee is involved, it is likely that lawyer will charge other fees as well, like a retainer, and you may want to move on as a result.

At your first meeting with your personal injury lawyer, bring anything that you think is relevant to your case. For example, if the police were involved, bring a copy of their report. If you have spoken with your insurance company, bring any notes that detail what happened with them. All of this information will help your attorney start piecing together your case.

If you are in pain after an accident, be very vocal about it and never try to hold the feelings in. This is not a good idea because it will give the other party leverage during a lawsuit. They will argue that you never said that you were injured at the time of the accident.

To determine whether a personal injury lawyer is right for you, make sure to ask who they usually represent in these types of cases. Do they tend to work with the person who has been hurt or do they normally represent insurance companies? Furthermore, finding out what their track record is (i.e., how many wins versus losses they have) is important.

If you end up disliking your lawyer, remember you can fire him or her at any time! You should never feel stuck with a lawyer. If the job isn’t getting done, simply look for a replacement and move on. Your peace of mind is well worth the hassle of looking for a new one.

During your first meeting with an attorney, don’t hesitate to ask as many questions as necessary. This includes questions on how long it will take to try your case, what you should expect during the trial and any issues that may arise during the lawsuit. You want to feel as comfortable as possible during this process, and asking lots of questions will help.

There are many reasons why you want your personal injury trial to begin quickly. One is for sympathy: if the court can see you while you are injured, bruises black and cuts still scabbed over, you’ll be able to win more sympathy. This means that you’re more likely to win.

Seeking damages for your injury is harder than you may think. You must understand the proof that will be necessary and how to find a lawyer who can help you win. The above article has provided some of this key knowledge that you need in order to succeed and obtain the settlement you deserve.

Can Bankruptcy Stop Foreclosure?


Basically, yes.  Filing for bankruptcy does halt a foreclosure proceeding.  It isn’t however, the conclusion of the foreclosure arrangement.

11 U.S.C. §362 of the Bankruptcy Code is normally referred to as the “automatic stay”.  A majority of bankruptcy filings in New York and on Long Island make full use of the automatic stay.  The whole thing as follows:

A person is presently being sued by a debt collector.  Even though most of us are way more concerned with a “foreclosure” than a little claims action the two lawsuits do come down to a debt collector suing a person.  The individual may not be ready for the law suit, may not comprehend the consequences of the lawsuit or may even be ducking from the lawsuit.  So, now, the personal gets a letter asserting that the debt collector is going to request for a “default judgment” that may take their bank account, their income or even their house.  Rather than lose possessions that may be threatening to the people involved can file a bankruptcy and obtain the “stay”.

So, in the progress of a foreclosure scheduled a personal may file bankruptcy under Chapter 7 and the action will be remained or paused.  The mortgage does not go away, the lawsuit doesn’t go away, but the person is provided a “breathing” period with which to plan a tactic.  The legal team at NYBankruptcy.com will plan out an approach specifically tailored to your financial condition.

Once your Chapter 7 bankruptcy is filed you will have a clear understanding of the matter in front of you.  The income that was going to pay debts may now become revenue that can be used towards your mortgage.  Income executions or “garnishments” may be detached.  In fact, the Court, itself, may assist in a modification of your mortgage.

It’s important to remember that the lawsuit is not discharged.  The bank may, and possibly will, move the Court to “lift” or end the automatic stay.  If effective, the bank may continue the foreclosure lawsuit.  However, the individual will have a chance to speak and, possibly, resolve the issue in the bankruptcy filing.  Outside of a foreclosure it is rare that a creditor will pursue to lift the stay.  Most of the time once a lawsuit is at a standstill it likely is ended for good.  Remember, each case varies.

As with any situation, there are guidelines that must be followed before a Chapter 7 may be filed.    The legal team at NYBankruyptcy.com understands the importance of the individual and the details of each and every matter.

We understand the fear that comes with being sued.  But the worst possible approach is to pretend that nothing is happening.  You have rights.  NYBankruptcy.com knows and will explain your rights.  Call NYBankruptcy.com today for a free consultation.



What Does It Cost to File for Bankruptcy in Long Island?


You must, ask an individual’s output on your outfit over the telephone than to ask an attorney to give you an assessment over the phone.  Each bankruptcy filing is different and limited.  The idea that a Lawyer would charge the same legal fee for your bankruptcy filing as for anyone else’s bankruptcy filing as a common rule should be disconcerting.  A bankruptcy fee should be built on your specific case and not a gag to get you into the office.

For example: An attainable bankruptcy debtor calls a law office and ask for a necessity to file for bankruptcy.  The lawyer debates with the debtor for sixty (60) seconds before determining “How much will this cost me?”

Consider the following:

  1. The attorney has a total of sixty (60) seconds with which to practice a broad estimation about this case;
  2. The promising bankruptcy filer is more astounded with the cost than with whether or not the bankruptcy should be filed;
  3. The association between the lawyer and the client is completely private.

Let’s measure each of these visibly.  The lawyer is indulged into a spot wherein he or she must settle the rate of a difficult legal matter based on sixty (60) seconds meeting with a new client. There is no way, unquestionably no way, an attorney can commence to portion a case over the telephone, let alone in sixty (60) seconds.  http://nybankruptcy.com/ will never make a ruling about your troubles, your business, your personal difficulties based on a sixty (60) second hearing.

Subsequently, why would you ever want that?  Most people won’t buy a pair of sneakers without trying them on initially.  Do you really want a public prosecutor that is willing to make a decision call on your case without looking it over?

With New York Bankruptcy you will have time to look at it with a lawyer who will take the time to look over your case.  That hearing will be free.  Let me say that again, your first meeting will be free.  There is no requirement and no rate.  So, you can end the worrying about how much a bankruptcy filing will total and begin educating yourself about your own case.

Also, you can sit with and dispute your material with a prosecutor that may well become your attorney.  The connection among the client and the prosecutor is sanctified and one of the safest under the law.  We are all attentive with “the attorney-client privilege”.  That no matter what was told to your lawyer it may not be divulged.

Help yourself with the attorney-client honor.  Meet with your prosecutor.  Your lifespan has more worth than conflicting about a fee before you take on your case.
NYBankruptcy.com is here to help.

How are Student Loans Affected with Bankruptcy?


Unfortunately, student loans are non-dischargeable. The law is very clear on this issue. The only instance in where student loans may be considered for discharge is a severe disability that would stop him or her from practicing in the field for which they earned the degree. It is extremely fact specific with little or no precedent.For more information about bankruptcy visit New York’s leading Bankruptcy Attorney.