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Law Office of Ronald V. De Caprio Aug. 5, 2015

Repossession of Your Car May Be an Option for Your Creditor

Buying a car can be an exciting process for a Garnerville resident. Vehicles often give individuals the freedom they desire as well as reliable modes of transportation for getting to work and caring for their families.

Law Office of Ronald V. De Caprio May 29, 2015

Interest, APR Can Cost Credit Card Users Money

It is fairly easy for a New York resident to get a new credit card. Many people receive unsolicited offers through their daily mail and others are bombarded via email with credit proposals from banks and other lending institutions.

Law Office of Ronald V. De Caprio April 30, 2015

Solvency Is an Important Factor for Business Bankruptcy

Under the U.S. Bankruptcy Code, insolvency generally means that a person or entity has more debts than it has assets. A visual representation of insolvency would be the financial balance sheet of a New York company that has its value in negative territory.

Law Office of Ronald V. De Caprio April 24, 2015

Are All Retirement Investments Safe During Bankruptcy?

One of the biggest fears that a New Yorker may have about filing for bankruptcy is losing any retirement savings that he may have accrued during his lifetime.

Law Office of Ronald V. De Caprio April 17, 2015

Earning Pattern Can Influence Likelihood of Bankruptcy

As young Garnerville residents approach adulthood, they may contemplate the variety of occupations that they could embrace as their possible future careers.

Law Office of Ronald V. De Caprio April 10, 2015

Don’t Let Debts Snowball Into Even Greater Personal Losses

Last week’s blog post discussed some of the ways that the federal CARD Act seeks to protect debtors from the predatory behaviors of unscrupulous creditors.

Law Office of Ronald V. De Caprio April 3, 2015

The CARD Act and Coping with Credit Card Debt

Nearly six years ago, President Obama signed into law a bill that sought to protect consumers from the confusing and sometimes abusive practices of American credit card companies.

Law Office of Ronald V. De Caprio March 26, 2015

Why Is Bankruptcy Handled by Federal Courts?

Like many of the laws that currently govern New Yorkers and other Americans throughout the nation, bankruptcy laws are originally based on ideas from British governance.

Law Office of Ronald V. De Caprio March 20, 2015

Plan Ahead to Protect Your Assets

n the estate planning world, an asset protection plan is a plan that prepares an individual’s wealth and assets in such a way that they should be protected from financial challenges once the individual passes on.

Law Office of Ronald V. De Caprio March 11, 2015

Consumer Bankruptcy Myths May Harm Struggling Debtors

Prior posts on this New York bankruptcy law blog have discussed the struggles that many debtors experience when confronted with the decision of whether to file for consumer bankruptcy. Some fear that if they file for bankruptcy they will never be able to access credit again.

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