Bankruptcy Solutions
The purpose of federal bankruptcy legislation, sometimes known as Title 11 of the United States Code or the “Bankruptcy Code,” is to provide an opportunity for financial reorganization or a fresh start for legitimate debtors who are unable to fulfill their obligations.
Foreclosure Solutions
As you are undoubtedly aware, many homeowners are in arrears on their mortgages as a result of the 2020 recession brought on by the coronavirus. At first, most lenders had been understanding and would have granted a brief suspension of the late payments.
Debt Negotiations & Settlements
Clients regularly hire the Law Office of Ronald D. Weiss, P.C. to represent them in negotiations with banks, mortgage holders, credit card issuers, auto financing providers, landlords, tax authorities, and other creditors.
Mortgage Loan Modifications
The most common strategy used by our firm to prevent a house in severe mortgage arrears from going into foreclosure is a mortgage modification. Mortgage modification and other potential Retention Options are the potential goals of most homeowners in foreclosure because most people experiencing serious hardships with their mortgages are looking for “Retention Options
Credit Card Solutions
For consumers, credit card debt and other unsecured personal loans are the most common types of debt. There are a few legal options for handling credit card debt, including the following: Litigation, bankruptcy, and/or negotiated settlements are the three options.
Debtor Litigation Defense
Many of The Law Office of Ronald D. Weiss, P.C.’s clients face the possibility of litigation or collection activities from their creditors because they are accused of having debt that they are unable to pay or because they contest the existence, amount, or obligation of the debt.
Landlord Tenant Solutions
Landlord-Tenant Law is one of our firm’s areas of expertise; we defend landlords and tenants in a variety of legal proceedings before the Landlord-Tenant Court and the New York Supreme Court. When it comes to eviction and/or collecting large amounts of past due rent.
Distressed Real Estate
A. Pre-Contract When a seller (the “Seller”) sells real estate to a buyer (the “Buyer”), there are usually a number of important steps involved. A seller will first list their property on the market for sale. A real estate broker is frequently hired by the seller to help locate possible buyers for their property.
Student Loan Solutions
In this world nothing can be said to be certain, except death and taxes,” as Benjamin Franklin famously said. This phrase has recently been amended by popular opinion to include student loans. Since most jobs these days require a bachelor’s degree, the amount of debt that Americans owe on their student loans
Tax Debt Solutions
Many people have trouble keeping up with their tax payments to the New York State Department of Taxation and Finance (“NYS”), which includes sales taxes, income taxes, payroll taxes, and other state taxes, as well as the U.S. Internal Revenue Service (the “IRS”), which includes individual income taxes.
Borough Park, also spelled Boro Park, is a neighborhood located in the southwestern part of Brooklyn, New York City. It is bordered by Bensonhurst to the south, Dyker Heights to the southwest, Sunset Park to the west, Kensington and Green-Wood Cemetery to the northeast, Flatbush to the east, and Mapleton to the southeast.
The neighborhood boasts economic diversity and is renowned for being home to one of the largest Orthodox Jewish communities outside Israel, with one of the highest concentrations of Jews in the United States. The population of Borough Park is experiencing significant growth, with Orthodox and Haredi families averaging 6.72 children per household.
Borough Park falls within Brooklyn Community District 12 and is primarily identified by the ZIP Code 11219. Policing is conducted by the 66th Precinct of the New York City Police Department. In terms of representation, Borough Park is politically affiliated with the New York City Council’s 38th, 39th, and 44th Districts.
Early development and railroads
Originally known as Blythebourne, the area was a small hamlet consisting of cottages developed in 1887 by Electus Litchfield. The expansion of housing in Blythebourne was further propelled by developer William Reynolds. Blythebourne was served by the Brooklyn, Bath, and Coney Island steam railroad, which is today’s elevated BMT West End Line (D train). This railroad, constructed in the 1860s, ran from Green-Wood Cemetery to Coney Island and was elevated in 1917.
Another significant railroad in the area was the Sea Beach Railroad, named after the Sea Beach Palace Hotel, its southern terminal established in 1879. In 1913, it underwent electrification and was placed in an open cut, now serving as the N train line.
In 1902, State Senator William H. Reynolds purchased land northeast of Blythebourne and named the new area Borough Park. Eventually, Blythebourne was absorbed into Borough Park by the 1920s.
Jewish settlement
Jewish immigrants began settling in Borough Park around the turn of the 20th century, with the influx starting in 1904–1905. By 1914, a Young Men’s Hebrew Association (YMHA) had been established, acquiring a lot on 58th Street and 14th Avenue for the construction of a large facility. During the 1930s, 13th Avenue became known for its numerous pushcart vendors and pickle sellers. To regulate this activity, the city opened a public market on 42nd Street in the late 1930s, effectively ending the pushcart trade.
In the late 1920s and early 1930s, a significant number of Yemenite Jews migrated from Yemen and Palestine, forming their own enclave within Borough Park. They established their synagogue, Ohel Shalom, initially located in a small storefront building before relocating to 12th Avenue and 44th Street after purchasing an old church.
During the 1980s, Borough Park experienced a demographic shift, transitioning from a community of Italian, Irish, and Modern Orthodox Jewish families to predominantly Hasidic Jewish households. By 1983, approximately 85 percent of Borough Park’s residents were Jewish. This change was accompanied by the opening of new shops and restaurants on 13th Avenue catering to the expanding Orthodox Jewish community. Iconic establishments like Eichler’s Judaica bookstore and Kosher Castle Dairy Cafeteria debuted in 1987, alongside stores offering imported goods and computer technology. Towards the end of the 1990s, businesses began tapping into overseas markets by selling electronics and Jewish media online. This period saw Borough Park solidify its position as a prominent Jewish enclave.
Based on data from the 2010 United States census, Borough Park had a population of 106,357, marking a 5.2% increase from the 101,055 residents counted in 2000. Covering an area of 1,238.87 acres, the neighborhood had a population density of 85.9 inhabitants per acre.
In terms of racial composition, 77.0% of Borough Park residents were White, 0.7% were African American, 0.1% were Native American, 11.7% were Asian, and 0.8% identified with two or more races. Hispanic or Latino individuals accounted for 9.4% of the population.
As part of Community District 12, which also includes Kensington and Ocean Parkway, Borough Park had a total population of 201,640 inhabitants in 2018, with an average life expectancy of 84.2 years. Most residents fell into the middle-aged and youth categories, with 34% aged 0–17, 28% aged 25–44, and 18% aged 45–64. The ratio of college-aged and elderly residents was lower, at 9% and 10%, respectively.
In terms of economic indicators, the median household income in Community District 12 was $45,364 as of 2016. In 2018, approximately 28% of residents lived in poverty, while the unemployment rate stood at 6%. Rent burden, indicating the percentage of residents struggling to pay rent, was 64%, higher than the citywide and boroughwide rates. Despite these challenges, Community District 12 was considered to be high-income relative to the rest of the city.
According to 2020 census data from the New York City Department of City Planning, Borough Park had over 40,000 White residents, with Hispanic and Asian populations each ranging between 5,000 to 9,999 residents. The Black population was reported to be less than 5,000.
The NYPD’s 66th Precinct, located at 5822 16th Avenue, serves Borough Park. In 2010, it ranked as the third safest out of 69 patrol areas for per-capita crime. As of 2018, Borough Park’s rate of violent crimes per capita, with a non-fatal assault rate of 19 per 100,000 people, is lower than that of the city overall. The precinct’s incarceration rate of 155 per 100,000 people is also below the citywide average.
Compared to the 1990s, the 66th Precinct has seen a significant decrease in crime rates, with a reduction of 87.7% across all categories between 1990 and 2018. In 2018, reported crimes in the precinct included 0 murders, 20 rapes, 101 robberies, 141 felony assaults, 186 burglaries, 447 grand larcenies, and 79 grand larcenies auto.
Borough Park benefits from various volunteer neighborhood patrols, predominantly comprising members of the Hasidic community. Hatzolah, a volunteer ambulance group staffed by emergency medical technicians and paramedics, operates in the area. Additionally, the Brooklyn South Safety Patrol Shomrim, a citizen watch group sanctioned by the NYPD community affairs division, responds to security-related calls and assists in searches for missing persons at the request of the police department.
As of 2018, Community District 12, which includes Borough Park, has lower rates of preterm births and births to teenage mothers compared to citywide averages. Preterm births were reported at 60 per 1,000 live births in Community District 12, compared to 87 per 1,000 citywide, while births to teenage mothers stood at 18.1 per 1,000 live births, compared to 19.3 per 1,000 citywide.
The district has a relatively high population of uninsured residents or those covered by Medicaid, estimated at 15%, which is above the citywide rate of 12%. However, the concentration of fine particulate matter, a deadly air pollutant, is lower in Community District 12 than citywide and boroughwide averages.
Smoking rates in the district are lower than the city average, with 10% of residents being smokers compared to 14% citywide. Additionally, rates of obesity, diabetes, and high blood pressure among residents are slightly lower than citywide averages, with 15% being obese, 9% diabetic, and 27% having high blood pressure. Childhood obesity rates in the district are also slightly lower than the citywide average.
The majority of residents in Community District 12 consume fruits and vegetables daily, with 92% reporting doing so, higher than the citywide average of 87%. Residents generally rate their health as good, very good, or excellent, with 78% reporting so, on par with the city’s average.
Despite the relatively good health indicators, access to supermarkets in Community District 12 is limited, with 20 bodegas for every supermarket. Maimonides Medical Center, located in Borough Park, is a major healthcare facility with 679 beds, a full emergency room with a level 2 trauma center, maternity wards, psychiatric services, and extensive outpatient clinics. It serves as a major teaching hospital in the state of New York.
Borough Park is home to a diverse array of Hasidic groups, with the largest being the Bobov sect, including Bobov-45. Other prominent Hasidic communities in the neighborhood include Boyan, Belz, Ger, Satmar, Karlin-Stolin, Vizhnitz, Munkacz, Spinka, Klausenburg, Skver, and Puppa, among others. Additionally, there is a minority of Haredi non-Hasidic Lithuanian Jews, often referred to as Litvish or Yeshivish, as well as Sephardic Jews, with a smaller number of Modern Orthodox Jews.
Approximately 37% of Jews in Brooklyn consider themselves Orthodox, and Borough Park is widely regarded as the “heartland” or “home” for New York’s Orthodox Jewish population. The neighborhood underwent a significant transformation since the 1970s, transitioning from a largely liberal-leaning Jewish community to one that is predominantly Orthodox, leading to the characterization of the shift as a “suburb to shtetl” transformation.
During the early 1900s, Borough Park and Brooklyn as a whole were inhabited by a more liberal-leaning Jewish population. However, many of these families eventually moved to the suburbs or other parts of the city, while more conservative Hasidic Jews, including survivors of the Holocaust and immigrant families from Eastern Europe, settled in the area. Consequently, the overwhelming majority of the Hasidic population in Borough Park adopted a more traditional Jewish religious lifestyle. A 2002 study by the UJA Federation-New York found that only 2% of Borough Park’s Jews identified as Reform Jews, while nearly three-fourths identified as Orthodox Jews.
Religious observances
The Orthodox Jewish population in Borough Park adheres rigorously to halakha (Jewish law) and the Shulkhan Arukh (halakhic code), incorporating religious laws into their daily routines. Saturday is observed as the Shabbos (Jewish Sabbath), a day of rest strictly adhered to by Orthodox members of the Jewish community. In some areas, a siren is sounded on Friday before sundown to announce the arrival of the Shabbos.
Culturally and religiously, Borough Park’s Jewish population is renowned as one of the most Orthodox in the world. Many families abstain from owning televisions or attending movies, opting instead for religious and communal activities. Children typically attend yeshivas rather than public schools, while adolescent girls ensure that their knees and elbows are covered before leaving the house. Weddings and funerals often feature separate seating for men and women to adhere to religious guidelines.
Kosher food, prepared or sold under rabbinical supervision, is the norm in Borough Park, with stores exclusively offering such products. However, the erection of an eruv in the neighborhood sparked controversy due to differing interpretations of Jewish law. Despite this, an eruv was constructed in 1999-2000, encompassing approximately 225 blocks in Borough Park, though its usage remains a contentious issue.
Mikvahs, or Jewish ritual baths, are integral to Orthodox Jewish life and are dispersed throughout the neighborhood. These facilities are typically not openly advertised to maintain user privacy and discretion.
As of 2018, Borough Park generally exhibits a lower ratio of college-educated residents compared to the rest of New York City. While 32% of residents aged 25 and older hold a college education or higher, 23% have less than a high school education, and 45% are high school graduates or have attained some college education. In contrast, 40% of Brooklynites and 38% of city residents have a college education or higher.
Despite this, Borough Park has seen improvements in student academic performance, with the percentage of students excelling in reading and math increasing over time. Reading achievement rose from 50% in 2000 to 53% in 2011, while math achievement increased from 46% to 70% during the same period.
Borough Park also boasts a lower rate of elementary school student absenteeism compared to the city average. Only 11% of elementary school students in Borough Park missed twenty or more days per school year, compared to the citywide average of 20%. Additionally, the neighborhood has a higher on-time high school graduation rate, with 77% of high school students graduating on time, exceeding the citywide average of 75%.
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