The Law Office of Ronald D. Weiss P.C. is committed to helping its Long Island debt relief clients eliminate, reduce extend and/or reorganize virtually every type of debt. We offer a broad range of legal services, all revolving around the theme of our services being varied options, or possible “tools”, to address our client’s economic difficulties. Our debt relief services are available as alternative options or as combined options in strategic planning with the client designed to address and resolve our client’s financial challenges. These debt relief “tools” include but are not limited to: different forms of bankruptcy (chapters 7, 11, and 13), foreclosure defense, landlord tenant litigation, general debt litigation, mortgage modification, creditor negotiation, credit card settlements, tax debt repayment plans, business debt reorganization, student loan installment agreement, short sales, real estate deals and/or credit repair.
We are attorneys representing residents of Nassau & Suffolk Counties, LI with legal solutions to overwhelming debt and foreclosure.
The Law Office of Ronald D. Weiss. P.C. concentrates in bankruptcy (Chapters 7, 11 & 13), foreclosure defense litigation, mortgage loan modification, negotiations and settlements with creditors and general debt relief. Our main office is located on Route 110, on the border of Nassau County & Suffolk County, in Melville, Long Island, NY. Since our founding in 1993, our law firm has represented many individuals and businesses experiencing financial hardship and mortgage difficulties in the greater Long Island and New York areas. Our attorneys and legal assistants are all highly experienced, compassionate, and dedicated to helping our clients during periods of financial hardship. We specialize in in the following areas:
Bankruptcy Solutions utilize federal bankruptcy laws and courts to immediately protect individuals and businesses from their creditors and to eliminate debt in Chapter 7 or to reorganize debt under both Chapter 13 (primarily used for individuals) and Chapter 11 (primarily used by businesses). We often use Bankruptcy Solutions when our clients are overwhelmed by unsecured debts such as credit cards, medical bills and personal loans and/or need time to cure and/or modify secured debts such as mortgage and car loan arrears. The automatic stay, which stops all creditor activities including bank restraints, garnishments, and foreclosure sales goes into effect immediately upon the filing of a bankruptcy case. Specialized bankruptcy services such as defense of contested motions and adversary proceedings allow us to defend our clients in more complex bankruptcy matters and bankruptcy appeals allow us to seek appellate review of a decision of a bankruptcy judge which we believe was in error. Bankruptcy Solutions are often the most certain and efficient method to resolve problematic debt and to eventually restore our client’s financial well-being and credit.
Foreclosure Solutions utilize the laws and courts of the State of New York to engage in Foreclosure Defense which protects a client and their home from foreclosure litigation by their mortgage holder through answers, motions to dismiss, discovery, attendance at settlement and status conferences, and opposition to motions and by engaging in cross-motions. Reargument and renewal motions and appeals allow our clients to seek to have decisions reviewed and reconsidered where we believe there was error by the court. Orders to Show Cause give our clients emergency relief in the state court system, which is often used to seek the vacating of past decisions of the court and/or to stop foreclosure sales. We also often use Bankruptcy as a Foreclosure Solution, to immediately stop foreclosure sales and other litigation against our clients with a bankruptcy stay to potentially allow our clients to discharge their debt, or seek to modify, settle and/or cure their debt and mortgage arrears over time under a bankruptcy plan. Foreclosure Solutions are intended to provide our clients with time and leverage in their foreclosure situation so as to give our clients a greater likelihood of resolving their mortgage difficulties.
Mortgage Modifications allow us to resolve our client’s mortgage loan arrears while seeking to restructure the note to allow for improved payment terms with lower interest, a longer period to repay the loan and potentially a partial deferred amount of principal. Essentially they seek to reorganize the mortgage loan principal to absorb the arrears that accumulated on the mortgage and with improved terms to keep the monthly mortgage payment the same or slightly smaller than prior to the arrears on the loan. Mortgage modifications are the main method by which property owners seek to retain their ownership over their property and is considered the main Retention Option. Mortgage negotiations are divided between Retention Options, that seek to keep the property and Non-Retention Options which seek to give up the property in exchange for other advantages. Besides modification, other Retention Options include: Friendly Sales or Friendly Short Sales, Refinancing, Payoff or Short Payoff, and/or Reinstatement or Short Reinstatement Non-Retention options include: Third Party Sales or Short Sales, Deed in lieu agreements, Consent to Judgment and Cash for Key agreements. The goals of these agreements is to reach an agreement with the lender that is beneficial to the property owner in helping them reach their goals.
Negotiation Solutions are direct negotiations with a client’s creditors to reduce, reorganize and/or extend debts such as credit card debt, student loan debt, medical debt, business related debts and tax debt. Credit Card Settlements are negotiated agreements with the client’s unsecured creditors to give a drastically reduced lump sum or time to pay reduced installments to settle past due credit card debt. Tax debt negotiations, student loan debt negotiation and business loan negotiations all seek installment plans that are affordable and allow a client to ride out statute of limitation periods and ultimately pay much less debt. Negotiation Solutions are intended to give our clients a negotiating advantage which drastically improves their chances of obtaining a satisfactory negotiated settlement with their creditors.
Landlord-Tenant Defense is usually in the local Landlord Tenant Courts and is often necessary if a house is lost to foreclosure and more time is needed by the former homeowner before they need to vacate the house. We also represent both landlords and tenant in landlord-tenant court in eviction proceedings. Also, residential and commercial tenants often are in need of representation where they are struggling to negotiate or litigate their leasehold situations. The owners of a cooperative apartment or townhouse also may need to defend their proprietary lease in Landlord-Tenant Court.
Litigation Defense is more general defense of our clients in the state court system against various collection actions, including litigation over credit cards, personal loans, business loans, tax debt, student loans, medical debt and other obligations. Litigation is generally a means to hold off a resolution in favor of the plaintiff in a debt collection matter and buys time and leverage for the defendant to seek a resolution.
Our New York lawyers help clients residing in the following towns with foreclosure, modification, negotiation and bankruptcy representation : In Suffolk County, NY our attorneys represent residents of the following towns with foreclosure, modification, negotiation and bankruptcy services: Huntington, Islip, Smithtown, Brookhaven, Babylon, East Hampton, Southampton, Southold, Riverhead, and Shelter Island. In Nassau County, Oyster Bay, Glen Cove, Hempstead, North Hempstead, and Long Beach. Our main office is located in Melville, New York at 734 Walt Whitman Road, Suite 203, Melville NY 11747. We also have several branch locations in Nassau and Suffolk Counties that are by appointment only.
Please call us at (631) 271-3737, or e-mail us at [email protected] for a free consultation to discuss your legal options in greater detail.