Broadalbin Bankruptcy & Debt Lawyer, New York

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Issac Cwibeker
About | Practice Areas
Novak Juhase & Stern LLP
483 Chestnut Street Cedarhurst, NY 11516» view map
Bankruptcy & Debt Law
60 Years Of Combined Legal Practice

We offer a free consultation and we’ll gladly discuss your case with you at your convenience. Contact us today to schedule an appointment.

800-815-1310
1. Issac Cwibeker Cedarhurst, NY
  Attorney at Law- NY
  Benjamin N. Cardozo School of Law, J.D. 2015
2. AboutNovak Juhase & Stern LLP
  60 Years Of Combined Legal Practice
3. Practice AreasExpertise
  Bankruptcy & Debt
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Brendan R. Wolf

Election & Political, Business Organization, Eminent Domain, Collection

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4 Old Route 146, Clifton Park, NY 12065

Edward Kowalewski

Eminent Domain, Transportation & Shipping, Business Organization, Collection

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4 Old Route 146, Clifton Park, NY 12065

Scott M. Ronda

Business Organization, Family Law, Collection, Banking & Finance

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514 Vischers Ferry Road, Clifton Park, NY 12065

Laurence I. Fox

Eminent Domain, Election & Political, Business Organization, Collection

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4 Old Route 146, Clifton Park, NY 12065

David F. Devall

Divorce & Family Law, Bankruptcy, Criminal, Litigation

Status: In Good Standing Licensed: 46 Years

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59 Franklin Stret, Saratoga Springs, NY 12866

Michelle H. Wildgrube

Real Estate, Federal Appellate Practice, Family Law, Bankruptcy

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1473 Erie Blvd, Schenectady, NY 12305

Nancy Baum Delain

Patent, Intellectual Property, Business & Trade, Bankruptcy & Debt

Status: In Good Standing Licensed: 19 Years

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107 North College Street, Schenectady, NY 12305

Christiaan Van Niekerk

Foreclosure, Bankruptcy, Landlord-Tenant, Bankruptcy & Debt

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202 Union Street, Schenectady, NY 12305

Richard H. Weiskopf

Divorce & Family Law, Bankruptcy & Debt, Personal Injury, Accident & Injury

Status: In Good Standing Licensed: 49 Years

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670 Franklin Street, Schenectady, NY 12305

Joseph L Litz

Bankruptcy, Business Organization, Contract, Criminal

Status: In Good Standing Licensed: 39 Years

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143 Clinton St, Schenectady, NY 12305

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LEGAL TERMS

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

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Broadalbin Bankruptcy & Debt Lawyer, New York

Sponsored Law Firm

Novak Juhase & Stern LLP

SPONSORED LAWYERS

Brendan R. Wolf

Edward Kowalewski

Scott M. Ronda

Laurence I. Fox

David F. Devall

Michelle H. Wildgrube

Nancy Baum Delain

Christiaan Van Niekerk

Richard H. Weiskopf

Joseph L Litz

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LEGAL TERMS

SECURED DEBT

CURRENT MONTHLY INCOME

DEBT COLLECTOR

GARNISHMENT

MEETING OF CREDITORS

TRADE NAME

AUTOMATIC STAY

CREDIT COUNSELING

COSIGNER

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