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.
Ridgewood, located in the borough of Queens, shares borders with Maspeth to the north, Middle Village to the east, and Glendale to the southeast. It also neighbors the Brooklyn neighborhoods of Bushwick to the southwest and East Williamsburg to the west. Historically, Ridgewood straddled the boundary between Queens and Brooklyn.
The origin of Ridgewood’s name is uncertain, with theories suggesting it may have been derived from the Ridgewood Reservoir, local topography, or a specific road. The area was settled by the British in the 17th century, while the nearby Bushwick was settled by the Dutch. The proximity of these settlements resulted in boundary disputes, eventually forming the dividing line between Queens and Brooklyn.
While Bushwick experienced rapid development in the 19th century, Ridgewood remained relatively underpopulated until the early 20th century. It saw significant growth during this time with the construction of rowhouses to accommodate its predominantly German population. Over the years, Ridgewood has evolved into a more ethnically diverse neighborhood, especially since the mid-20th century. Many parts of Ridgewood hold national and city historic district designations, preserving its rich architectural and cultural heritage.
The origin of Ridgewood’s name is subject to debate, with several theories proposed. One suggests it stemmed from the Ridgewood Reservoir situated in Highland Park, just south of Ridgewood. This reservoir was located atop a high ridge within the Harbor Hill Moraine, a terminal moraine extending along Long Island. Another possibility is that the name originated from the forests covering the area before colonial settlement, with early English settlers referring to the moraine as the “ridge” of Long Island. Additionally, “Ridge Road” is also considered a potential source of the name.
Originally, the name was assigned by the government of Kings County (now synonymous with Brooklyn), denoting an area within Brooklyn along the boundary with Queens County. In the early 20th century, developers bestowed various names upon the area, including Germania Heights, St. James Park, Ridgewood Heights, Wyckoff Heights, and Knickerbocker Heights. However, only “Ridgewood” gained significant popularity beyond the 1910s.
Early settlement
Ridgewood and Bushwick indeed share similar historical roots. Both neighborhoods were originally inhabited by the Lenape Native Americans, particularly the Mespachtes tribe, after whom the nearby neighborhood of Maspeth is named. In 1638, the Dutch West India Company obtained a deed from the Lenape, leading to the establishment of present-day Bushwick by Peter Stuyvesant in 1661 under the name Boswijck, which translates to “neighborhood in the woods” in 17th-century Dutch. Similarly, Ridgewood was part of Newtown, one of the original towns in Queens, settled by the British.
In both areas, British and Dutch families engaged in farming, cultivating crops for markets in Brooklyn and Manhattan, often relying on enslaved labor. The Onderdonk House, constructed in 1709, stands as the last surviving Dutch farmhouse in Ridgewood. Located at the Onderdonk House site is Arbitration Rock, serving as a marker for the disputed boundary between Bushwick and Newtown, and by extension, Brooklyn and Queens. Although the land retained its rural character through the American Revolutionary War, there is evidence suggesting the presence of a burial ground in the area.
Ridgewood’s oldest thoroughfares—Myrtle Avenue, Metropolitan Avenue, and Fresh Pond Road—served as vital routes used by farmers to transport their goods to markets. While Fresh Pond Road originally followed a Native American trail, the other roads were established as plank roads in the early to mid-19th century.
19th-century development
The development of public transportation played a crucial role in stimulating residential and commercial growth in Ridgewood. Beginning with horse-drawn cars in the mid-19th century, followed by trolleys and elevated trains, these transit systems facilitated easier access to and from the neighborhood.
The introduction of the Myrtle Avenue horsecar line marked the first transit service to reach Ridgewood, extending to Brooklyn’s Broadway in 1855. Subsequently, the Bay Ridge Branch was inaugurated in 1878, providing connections to Sheepshead Bay, Manhattan Beach, and the Brooklyn shorefront via the Manhattan Beach Railroad. The expansion of the Myrtle Avenue elevated railroad in 1889 brought elevated train service to the Queens border, running above Myrtle Avenue in Brooklyn.
In 1894, an electric trolley line was established through Ridgewood, connecting to Lutheran Cemetery along a private right-of-way. A decade later, in 1904, the Myrtle Avenue Elevated was extended over the same route, enhancing transportation accessibility for residents. Finally, in 1915, the current elevated structure along the Lutheran Cemetery line’s right-of-way was erected, further improving transit options in the neighborhood.
20th-century development
Ridgewood maintained its rural character until the consolidation of New York City’s boroughs in 1898, contrasting with the fully developed status of neighboring Bushwick. Throughout the 19th century, Ridgewood primarily served as a leisure destination, featuring picnicking spots, beer gardens, racetracks, and amusement areas catering to Bushwick residents. However, towards the end of the century, developers began purchasing these sites and initiating the construction of rowhouses and tenements, typically two to three stories high.
The establishment of the Ridgewood Board of Trade in 1902 aimed to oversee the development of streets, utilities, and transit infrastructure in the area. A significant portion of Ridgewood’s housing stock was erected between 1905 and 1915, with a shift towards masonry construction following the enactment of a zoning ordinance in 1905. The opening of the Queensboro Bridge in 1909 further accelerated development by linking Queens to Manhattan, prompting increased construction activity, particularly in the vicinity of East Williamsburg, which corresponds to present-day Ridgewood.
According to a 1909 issue of the Real Estate Record and Guide, development was concentrated in a 150-block area around East Williamsburg, with over five thousand buildings constructed from the early 20th century to the onset of World War I in the mid-1910s. Residential development predominated in the southern part of Ridgewood, while industrial facilities and mills proliferated in the northern section, near Newtown Creek.
According to data from the 2010 United States Census, Ridgewood had a population of 69,317, experiencing a slight decrease of 138 individuals (0.2%) from the 69,455 recorded in 2000. Spanning an area of 1,156.31 acres (467.94 hectares), the neighborhood boasted a population density of 59.9 residents per acre (38,300 per square mile or 14,800 per square kilometer).
The racial composition of Ridgewood was as follows: 39.8% (27,558) White, 2.0% (1,380) African American, 0.1% (93) Native American, 7.7% (5,331) Asian, with negligible percentages for Pacific Islander and other races. Additionally, 1.1% (765) of residents identified with two or more races. Hispanic or Latino individuals of any race accounted for 49.0% (33,967) of the population.
Community Board 5, encompassing Maspeth, Ridgewood, Middle Village, and Glendale, recorded a total population of 166,924 as of NYC Health’s 2018 Community Health Profile. The average life expectancy within this area was 81.4 years, similar to the citywide median of 81.2 years. The demographic breakdown revealed a majority of youth and middle-aged adults, with 22% aged 0–17, 31% aged 25–44, and 26% aged 45–64. The proportion of college-aged and elderly residents was lower, at 8% and 13% respectively.
Regarding socioeconomic indicators, the median household income in Community Board 5 was $71,234 as of 2017. In 2018, approximately 19% of residents in Ridgewood and Maspeth lived below the poverty line, similar to the rates in all of Queens and New York City. Unemployment rates were lower in Ridgewood and Maspeth, with 6% of residents unemployed, compared to 8% in Queens and 9% in New York City. Rent burden, indicating the proportion of residents struggling to pay rent, stood at 46%, lower than boroughwide and citywide rates of 53% and 51% respectively. Consequently, as of 2018, Maspeth, Ridgewood, Middle Village, and Glendale were considered high-income areas relative to the rest of the city and were not categorized as gentrifying neighborhoods.
Ridgewood is zoned for various land uses, predominantly commercial along main streets and residential on side streets. Significant portions of the neighborhood are designated as residential historic districts. Additionally, the large Cemetery Belt lies directly to the south of Ridgewood.
The neighborhood is situated on a large hill, part of the glacial moraine that formed Long Island. This hill begins at Metropolitan Avenue, rising steeply for about two blocks before gently sloping downward. For example, at Our Lady of the Miraculous Medal Parish on 60th Place, the front entrance of the church is nearly level with the second floor of the adjacent Parish school.
A section of Ridgewood near the Linden Hill Cemetery, centered around Flushing and Metropolitan Avenues, was historically known as Linden Hill. This is distinct from the neighborhood of Linden Hill in Flushing, Queens. Linden Street in Ridgewood is named after this subsection.
As of 2018, preterm births and births to teenage mothers are less common in Ridgewood and Maspeth than citywide. The neighborhoods reported 70 preterm births per 1,000 live births, compared to 87 per 1,000 citywide, and 17.6 births to teenage mothers per 1,000 live births, compared to 19.3 per 1,000 citywide. Ridgewood and Maspeth also have a relatively low percentage of uninsured residents, estimated at 13%, slightly higher than the citywide rate of 12%.
The concentration of fine particulate matter, the most harmful type of air pollutant, in Ridgewood and Maspeth is 0.008 mg/m³, higher than the city average. Smoking rates are also higher, with 20% of residents being smokers compared to the city average of 14%. In terms of health metrics, 19% of Ridgewood and Maspeth residents are obese, 7% are diabetic, and 20% have high blood pressure—slightly lower than the citywide averages of 22%, 8%, and 23%, respectively. Additionally, 19% of children in these neighborhoods are obese, which is marginally lower than the citywide average of 20%.
As of 2018, Rego Park and Forest Hills boast a higher percentage of college-educated residents compared to the rest of New York City. A significant majority of residents (62%) hold a college education or higher, while only 8% have less than a high school education, and 30% are high school graduates or have some college education. This is notably higher than the respective figures for Queens (39%) and the city as a whole (43%).
Furthermore, there has been notable academic progress among students in Rego Park and Forest Hills. The percentage of students excelling in math rose from 42% in 2000 to 61% in 2011, while reading achievement remained relatively stable, increasing from 48% to 49% during the same period.
In terms of attendance, the rate of elementary school student absenteeism in Rego Park and Forest Hills is lower than the citywide average. Only 10% of elementary school students in the area missed twenty or more days per school year, significantly lower than the citywide average of 20%.
Moreover, the graduation rate for high school students in Rego Park and Forest Hills is notably higher than the citywide average, with 91% of students graduating on time compared to the citywide average of 75%.
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