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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.
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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.
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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.
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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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Mount Sinai is a hamlet and census-designated place (CDP) within the Town of Brookhaven, Suffolk County, New York, United States. At the 2010 census, the population was 12,118. Situated on the North Shore of Long Island, Mount Sinai was first settled in the 1660s and originally known as Old Mans until the 1840s when it underwent a name change. Initially an agricultural area, it later became a sought-after resort town in the late 19th century before evolving into a suburban community of New York City in the mid-20th century. Although predominantly residential, the hamlet features Mount Sinai Harbor and the popular public beach, Cedar Beach.
The area now known as Mount Sinai was originally called Nonowatuck by the Seatocot Native American family who inhabited the region. The first European settlers were Colonial settlers from Setauket, who acquired a deed from the local Native Americans in 1664.
The origin of the town’s early European name, “Old Mans”, remains uncertain. One popular explanation involves Major John Gotherson, an elderly Englishman who allegedly believed he had purchased land in the New World from Captain John Scott, a prominent figure in Long Island’s early history. When Gotherson’s representatives were turned away, locals humorously referred to the land as “the Old Mans”.
Construction of houses occurred gradually, initially concentrated within a mile of the harbor. Few homes were built south of North Country Road until the late 19th century, as much of the land in that direction was owned by farmers.
While no known 17th-century structures remain, the 18th century is represented by six buildings dating from 1705 to 1790, some incorporating elements from earlier periods. The 19th century saw the most surviving historical structures, divided into two periods: 1800-1840s and 1880-1890s.
In 1840, residents applied for a post office, prompting a change from “Old Mans” to “Mount Vernon”. However, this name was short-lived due to another town named Mount Vernon in New York. “Old Mans” was briefly reinstated before another name change. Mount Sinai, inspired by the biblical mountain, was selected by the first postmaster, Charles Phillips, who, according to local legend, chose the name by randomly pointing a needle into his Bible. Since 1841/1842, Mount Sinai has been the preferred name for the area.
Mount Sinai is situated at 40°56′19″N 73°01′07″W (40.938532, -73.018668), bordering Long Island Sound on the North Shore of Long Island. According to the United States Census Bureau, the community spans a total area of 6.4 square miles (16.6 km2), with 6.0 square miles (15.5 km2) of land and 0.42 square miles (1.1 km2), or 6.53%, consisting of water. It shares borders with Port Jefferson to the west, Port Jefferson Station to the southwest, Coram to the south, and Miller Place to the east.
Mount Sinai experiences a humid subtropical climate (Köppen Cfa). The average temperature throughout the year is 54.7 °F (12.6 °C). July tends to be the warmest month with an average temperature of 75.3 °F (24.1 °C), while January is the coldest, averaging at 33.7 °F (0.9 °C). Annual precipitation in the area amounts to 48.50 inches (1,232 mm).
In the 2010 census, Mount Sinai had a population of 12,118 residents, residing in 4,080 households, and belonging to 3,391 families. The racial composition of the CDP was reported as 92.07% White, 1.5% Black or African American, 0.15% American Indian and Alaska Native, 4.0% Asian, 0.07% Native Hawaiian and Other Pacific Islander, and 1.3% from two or more races. Hispanic or Latino individuals of any race comprised 5.8% of the population. The average household size was 2.96, and the average family size was 3.26. The median age stood at 41.9.
Regarding household composition, 46.4% of households had children under the age of 18 living with them, 76.7% were married couples living together, 6.6% were led by a female householder with no husband present, and 14.5% were non-families. Moreover, 11.8% of all households were comprised of individuals, and 7.0% had someone living alone who was 65 years of age or older. The median age was 36 years, with a slightly higher ratio of females to males.
Economically, the median income for a household in the CDP was $85,605, and for a family, it was $89,636. Males had a higher median income of $62,093 compared to $36,415 for females. The per capita income for the CDP was $31,131. About 1.8% of families and 3.6% of the population were below the poverty threshold, including 3.9% of those under age 18 and 2.1% of those age 65 or over.

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