By Brian Figeroux, Esq. Embarking on the journey of homeownership is a significant milestone, especially in New York State’s dynamic real estate landscape. Understanding how much you can borrow is a crucial first step in this process. This guide outlines the steps to assess your borrowing capacity and navigate the home-buying process effectively. Step 1: […]
By Brian Figeroux, Esq. Debt consolidation loans can be a useful financial tool for combining multiple debts into a single, manageable payment. However, they are not always the right solution for everyone. In some cases, taking out a debt consolidation loan can lead to even greater financial difficulties. This article explores when someone should avoid […]
By Brian Figeroux, Esq. Chapter 7 bankruptcy is the simplest and quickest way to erase most debts, yet many people avoid it due to misconceptions, fear, and bad advice. Here’s why: Fear of Losing Property (Which Rarely Happens) Many believe that filing for Chapter 7 means they will lose their home, car, and all their […]
By Brian Figeroux, Esq. In today’s economic climate, financial instability is a growing concern for many individuals. Rising costs of living, inflation, job loss, and personal hardships such as divorce and broken relationships can lead to overwhelming debt. When financial obligations become unmanageable, bankruptcy may be the best solution for a fresh start. However, choosing […]
By Chris Tobias | Editorial Credit Dorde Krstic / shutterstock.com Opening a credit card can be a smart financial move, offering benefits like building your credit score, managing expenses, and providing convenience. However, many individuals make common mistakes that can lead to financial trouble. To ensure you make the most of your credit card experience, […]