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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
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St. Albans is a residential neighborhood situated in the southeastern part of the New York City borough of Queens. It shares borders with Jamaica to the northwest, Hollis to the north, Queens Village to the northeast, Cambria Heights to the east, Laurelton to the southeast, Springfield Gardens to the south, and South Jamaica to the southwest. The central hub of St. Albans is located at the intersection of Linden Boulevard and Farmers Boulevard, approximately two miles north of John F. Kennedy International Airport.
Within St. Albans lies the small western enclave of Addisleigh Park, recognized as a U.S. historic district. Notable African American figures, including Jackie Robinson, W. E. B. Du Bois, Lena Horne, and several jazz musicians such as Fats Waller, Ella Fitzgerald, and Count Basie, have resided in this area.
St. Albans falls within Queens Community District 12 and is assigned the ZIP Code 11412. Law enforcement within the neighborhood is handled by the New York City Police Department’s 113th Precinct. In terms of representation, St. Albans is politically affiliated with the New York City Council’s 27th and 28th Districts.

Part of a land grant issued to Dutch settlers by New Netherland Governor Peter Stuyvesant in 1655, the area that would eventually become St. Albans, like much of Queens, remained predominantly farmland and forest for the subsequent two centuries.
During the 1800s, the lands owned by four prominent families—the Remsens, Everitts, Ludlums, and Hendricksons—served as the foundation of this expansive agricultural community situated in the eastern region of the Town of Jamaica. In 1814, when the Village of Jamaica, the first village established on Long Island, was officially incorporated, its boundaries stretched eastward to Freeman’s Path (now Farmers Boulevard) and south to Lazy Lane (later known as Central Avenue in 1900, then Foch Boulevard in the 1920s). These boundaries encompassed parts of the present-day St. Albans neighborhood.
In 1852, the old mill pond, which currently lies at the heart of Baisley Pond Park, was acquired by the Brooklyn waterworks for utilization as a reservoir, marking a significant development in the area’s history.
Later development
In 1872, the Long Island Rail Road’s Cedarhurst Cut-off was constructed through the area, although no stop initially appeared on the first timetables. However, by 1892, an area known as Francis Farm was surveyed and developed for housing. During the 1880s, numerous Francis families were engaged in farming activities in the eastern portion of the Town of Jamaica. Francis Lewis Boulevard, named after a signer of the Declaration of Independence from Queens, which now serves as the eastern boundary of St. Albans, was not yet present on maps from 1909 or 1910.
The development of St. Albans gained momentum as the first street lights illuminated the intersection of Linden Boulevard and Farmers Boulevard, attracting new shops around August Everitt’s lone store. On July 1, 1898, the St. Albans Long Island Rail Road station opened at the crossing of Locust Avenue (now Baisley Boulevard). This station was later replaced with the current grade-separated station on October 15, 1935.
In 1899, a year after Queens became a part of New York City and following the dissolution of the Town of Jamaica and the Village of Jamaica, the new post office for the approximately 600 residents was named St. Albans. This name had been in use for the area since at least 1894 for the name of the school district, and the LIRR station had also been named St. Albans when it opened in 1898. The area was named after St. Albans in Hertfordshire, England, which in turn was named after Saint Alban, believed to be the first Christian martyred in England. Maps from 1909 also show the presence of St. Albans Avenue and St. Albans Place in the area.
The site originally housed the St. Albans Golf Course and Country Club, completed in 1915. The club attracted wealthy and famous golfers, including baseball star Babe Ruth, and hosted events like the 1930 Metropolitan Amateur. However, the Great Depression led to attempts to sell the golf course, which ultimately fell through. In 1942, the land was seized by the federal government, and construction commenced on the St. Albans Naval Hospital, which opened in 1943. After its completion in 1950, the hospital contained 3000 beds across 76 wards. The hospital was transferred to the Veterans Administration in 1974 and reopened as a VA hospital two years later, eventually evolving into the Veterans Administration St. Albans Primary and Extended Care Facility. A portion of the hospital site was later transformed into Roy Wilkins Park in the 1980s.

The racial composition of the neighborhood was as follows: 1% (469) White, 88.6% (43,073) African American, 0.3% (129) Native American, 0.9% (417) Asian, 0% (16) Pacific Islander, 0.5% (258) from other races, and 2.2% (1,085) from two or more races. Hispanic or Latino of any race comprised 6.5% (3,146) of the population.
According to NYC Health’s 2018 Community Health Profile, the entirety of Community Board 12, which encompasses Jamaica, St. Albans, and Hollis, had a population of 232,911 inhabitants, with an average life expectancy of 80.5 years. This is slightly below the median life expectancy of 81.2 for all neighborhoods in New York City. Most residents are youth and middle-aged adults, with 22% between the ages of 0–17, 27% between 25–44, and 27% between 45–64. The ratio of college-aged and elderly residents was lower, at 10% and 14% respectively.
As of 2017, the median household income in Community Board 12 was $61,670. In 2018, an estimated 20% of St. Albans and Jamaica residents lived in poverty, compared to 19% in all of Queens and 20% in all of New York City. Approximately one in eight residents (12%) were unemployed, compared to 8% in Queens and 9% in New York City. Rent burden, or the percentage of residents who struggle to pay their rent, stood at 56% in St. Albans and Jamaica, higher than the boroughwide and citywide rates of 53% and 51% respectively. As of 2018, St. Albans and Jamaica are classified as high-income areas relative to the rest of the city and are not considered gentrifying.

For the year 2018, the precinct reported the following crime statistics: 5 murders, 28 rapes, 156 robberies, 383 felony assaults, 153 burglaries, 414 grand larcenies, and 138 grand larcenies auto.

However, the population of uninsured residents in St. Albans and Jamaica is relatively low, estimated at 5% in 2018, compared to the citywide rate of 12%.
Air quality in the area is generally better, with a lower concentration of fine particulate matter compared to the city average. Additionally, the percentage of smokers in St. Albans and Jamaica is lower than the city average, at 8%.
There are, however, concerns regarding certain health conditions. For example, higher rates of obesity, diabetes, and high blood pressure are observed in St. Albans and Jamaica compared to citywide averages. This is reflected in the higher percentage of obese children as well.
While a majority of residents report consuming fruits and vegetables daily and describe their health as good, very good, or excellent, access to healthy food options, such as supermarkets, is limited compared to the number of bodegas in the area.
The nearest major hospitals, Jamaica Hospital and Queens Hospital Center, are both located in Jamaica, providing crucial healthcare services to residents of St. Albans and Jamaica.
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