Bankruptcy is often seen as a last resort, a way to escape overwhelming debt when all other options have failed. But the truth is, bankruptcy isn’t just a legal process — it’s a strategic financial decision that can reset your future. Proper planning before filing can mean the difference between a smooth journey to debt […]
When people think about hiring a lawyer, they often focus on credentials: education, years of experience, and past results. While these are undeniably important, another factor often determines whether a client feels truly supported and represented — personalized attention. The law is not one-size-fits-all. Every client’s situation, history, and needs are unique. Lawyers who understand […]
Accidents happen when we least expect them. Whether it’s a car crash, a slip and fall, or an injury caused by unsafe workplace conditions, the aftermath can be overwhelming. Medical bills pile up, insurance adjusters call constantly, and your ability to work and support your family may be at risk. In such a situation, filing […]
By: 311bankruptcy.com For many people, filing for bankruptcy carries a terrifying myth: the fear of losing everything they own. The idea of starting over with nothing stops many debtors from pursuing bankruptcy protection, even when it’s their best option for a financial fresh start. The truth, however, is much more reassuring. Bankruptcy law includes a […]
Facing criminal charges is one of the most stressful experiences anyone can endure. Whether the allegation involves a misdemeanor or a serious felony, the consequences can ripple through every aspect of life — freedom, employment, reputation, and family stability. The justice system is complex, and without professional guidance, it’s easy to feel overwhelmed, confused, or […]
For many baby boomers, retirement and aging bring significant financial considerations, particularly when it comes to long-term care. As healthcare costs continue to rise, some retirees look to their biggest asset—their home—as a financial resource. Using home equity to pay for long-term care may seem like a viable option, but it carries serious financial and […]
As older adults navigate financial planning, one of the most significant assets they own is their home. In situations where additional funds are needed—especially to cover long-term care costs—home equity can be a valuable financial resource. However, accessing home equity requires careful consideration, as different financial products come with varying risks and benefits. The three […]
Aging presents various health challenges, but not all elderly individuals require the same care plan. Dementia patients need a vastly different approach to care compared to those who experience frequent falls. While both conditions impact quality of life and require medical and family intervention, dementia necessitates a structured plan that accounts for cognitive decline, decision-making […]
By Brian Figeroux, Esq. In New York, when a foreclosed property is sold for more than the outstanding mortgage debt and associated costs, the excess funds are known as surplus monies. These funds are deposited with the court and can be claimed by individuals or entities with a legitimate interest, such as junior lienholders or […]
Introduction: Navigating Legal Challenges as a Small Business Owner Starting and running a small business requires vision, strategy, and legal foresight. Entrepreneurs often face a labyrinth of regulatory requirements, contracts, and compliance hurdles, which, if mismanaged, can lead to costly disputes or financial setbacks. This is where Figeroux & Associates’ Small Business Solutions Division steps […]