Leslie H. Tayne, Esq.

Message
Connect
Call

1-631-470-8204


Contact me for: Debt resolution and bankruptcy alternatives

Headquartered in Melville, N.Y. and led by financial attorney Leslie H. Tayne, Esq., The Law Offices of Leslie H. Tayne P.C. is the only New York State practice whose sole concentration is debt resolution and bankruptcy alternatives. Since its establishment in 2001, The Law Offices of Leslie H. Tayne P.C. has expanded into Manhattan as well as Westchester County with offices in White Plains and Mount Kisco, N.Y. and regularly assists thousands of individuals and businesses with the management and resolution of their unsecured debts. She also newly launched an online and mobile budgeting tool, Budget Jewel which can be accessed at http://attorney-newyork.com/budget-jewel.php. For more information, visit www.attorney-newyork.com.

Stumbleupon: ltayne2171
WordPress: http://attorney-newyork.com/blog/

Expert Articles by Leslie H. Tayne, Esq.

Education Loans

Parents: Caution when cosigning for child’s college student loan
Cosigning a loan is a big commitment and not a decision you should make without really thinking it over. Consider all of the options you and your child have to finance his or her education before maki...

Financing Education

Teach your college student how to budget for financial independence
Teaching your child financial responsibility while in college is one of the most important lessons you can teach them. Going over these financial tips with your college student can not only help them ...

Credit and Debt Management

Teach your college student financial responsibility with a credit card
If you follow this advice, it can serve as the basis of good financial responsibility going forward. Since this is the first time your child will be making financial decisions independent of you, the ...
Avoid bankruptcy, take control of your debt, and repair your finances
For some, bankruptcy is a viable option. Yet, there are many other ways that you can settle your debts and repair your finances without an extreme measure such as bankruptcy. Whatever route you choose...
How to stop harassing phone calls from debt collectors
The only real way to ease the burden of the debts and truly stop the harassing phone calls is to settle your debts. Explore your options and find the right program for you. Research your options to pa...
Be financially responsible with your credit card while in college
Remember, having a credit card is a huge responsibility and any mistakes you may make now can impact your ability to take out a new line or credit or a loan in the future. Before you know it you will ...

Expert Articles Sponsored by Leslie H. Tayne, Esq.

Bankruptcy Law

The right bankruptcy attorney will protect your assets
Don’t fool yourself into thinking that you are now an expert at bankruptcy law because of what you found on the Internet. Remember what Samuel Clemens said, "It ain't what you don't know that gets y...
Chapter 13 bankruptcy protection provides you with a fresh financial start
Chapter 13 reorganization gives the debtor (the person filing the bankruptcy) a chance to wipe out the same kind of debts as with Chapter 7 (actually a few more). In addition, you can change the terms...
Chapter 11 business bankruptcy requires fast and specific action
Chapter 11 is a vehicle with many advantages for a business reorganization. Among other things, it provides breathing space for the company to negotiate with creditors, the ability to deal with all cr...
Prepare for your bankruptcy 341 meeting of creditors
The 341 meeting of creditors are usually quick, simple, non-adversarial hearings designed to verify that the information provided to the bankruptcy court is correct. This hearing affords you an opport...
Creditors can protect their rights in a Chapter 13 bankruptcy
Although no creditor wants to learn that its borrower or debtor has filed for bankruptcy, creditors armed with the knowledge of their rights and limitations under the Bankruptcy Code are prepared to q...
How to file Chapter 12 bankruptcy for family farmers and fishermen
Chapter 12 may provide the solution for a family farmer or family fisherman in financial distress. It provides debtors with the breathing room to develop and work a plan to pay off all or a portion of...

Credit and Debt Management

How to rebuild your credit after clearing up debt problems
With the right plan in place, you can secure your financial future in spite of the chaos of our current economy. The key is to build good financial habits to replace the bad ones that landed you in fi...
How to pay down credit card debt on your own
Paying down credit card debt on your own is possible for many people. Instead of feeling overwhelmed, start by creating and using a simple monthly budget. Then choose either the avalanche or snowball ...
Avoiding holiday debt
Learn how to create a strategy that helps you avoid depending on credit cards and racking up too much debt during the winter holidays. With careful planning and the right amount of preparation, you ca...
Stay out of debt and within your budget when shopping for the holidays
With just a little effort and planning, you can create and use a simple holiday budget. When you work from a budget, your holidays can be far more carefree. Ultimately, you will be able to focus on jo...
Get a credit card with low interest rate and great rewards program
Applying for a credit card requires preparation, so make sure you take the necessary steps beforehand to set yourself up for continued financial success....
Avoid late fees and lower interest charges with debt consolidation
With debt consolidation, you may be able to simplify on-time payments. But remember that it does not address the need to look at the root problem. It will be important to make a commitment to turning ...
Choose the right debt consolidation company to help pay down your debt
If you are facing too many accounts with too-high minimum payments at crippling interest rates, debt consolidation services may offer a solution. The rule of thumb in choosing a company is “buyer be...
Teach your college student financial responsibility with a credit card
If you follow this advice, it can serve as the basis of good financial responsibility going forward. Since this is the first time your child will be making financial decisions independent of you, the ...
Avoid bankruptcy, take control of your debt, and repair your finances
For some, bankruptcy is a viable option. Yet, there are many other ways that you can settle your debts and repair your finances without an extreme measure such as bankruptcy. Whatever route you choose...
How to stop harassing phone calls from debt collectors
The only real way to ease the burden of the debts and truly stop the harassing phone calls is to settle your debts. Explore your options and find the right program for you. Research your options to pa...
Be financially responsible with your credit card while in college
Remember, having a credit card is a huge responsibility and any mistakes you may make now can impact your ability to take out a new line or credit or a loan in the future. Before you know it you will ...
Credit counseling can reduce monthly payments and pay off debt
Credit counseling can be very helpful for individuals who can stick with the program over several years, and who can make the payments resulting from a lower interest rate. If you do have debt, make s...
Understand debt settlement to help deal with your debt problem
Debt settlement, also referred to as debt resolution, is a serious process for people in serious debt. For those who qualify, it can provide significant benefits: lower monthly outlays, reduced debt, ...
Choose a trusted debt settlement company to help resolve your debt
When it comes to getting debt help, selecting a solid partner that will help you is critical. For those who are looking for a trustworthy organization to help win the battle against debt, these consid...
Expert advice on how to deal with a debt collector
If you are working in good faith to repay your debts, don’t let debt collectors harass and intimidate you. You have the right to be treated with respect while you work to get out of debt and find yo...
How to negotiate outstanding debt with a credit card company
It’s possible to successfully negotiate debt with a credit card company, but it is imperative that consumers know their rights when it comes to federal credit card laws. Do your homework first, that...
The importance of debt: Is there such a thing as healthy debt?
Remember to focus on lasting value when evaluating whether a debt is healthy or unhealthy. Healthy debt will provide lasting value, and is aligned with a long-term goal (e.g., a mortgage enables you t...
How to improve your credit score and ensure financial health
Beyond financial institutions, potential employers, landlords and even cell phone providers may look at your credit score to determine whether you’re a good credit risk. Credit scores also play a pa...
Everything you need to know about credit reports and credit scores
It’s important to distinguish between credit reports and credit scores. Knowing the details of your credit report as well as the meaning of your credit score will help you identify financial strengt...
How to recognize and avoid a personal financial disaster
The signs that you’re flirting with a financial disaster may not be clear when committed individually, but a few of these combined should be an obvious red flag to any consumer. However, with a litt...
How and why your should improve your credit score
Getting your credit back to where it needs to be so that you can do the things you want to do isn't an impossible feat. It just takes a little patience, checking your credit report regularly, disputin...
How to negotiate a lower interest rate on your credit cards
If you want to negotiate a lower interest rate, do your research, call and ask, and have a back-up plan in place. A lower APR will save you money and reduce your credit card debt. These potential savi...
Negotiate your credit card interest rate with a simple phone call
When attempting to renegotiate your interest rates, it is important to be prepared before you pick up the phone. Make sure you’ve done your research and that you’re ready with any necessary inform...

Education Loans

Avoiding the horror stories of student loan debt
As in most other personal finance matters, planning ahead is usually a worthwhile effort. It may involve more factors in your college decision, but with the cost of college so high today, families and...
Parents: Caution when cosigning for child’s college student loan
Cosigning a loan is a big commitment and not a decision you should make without really thinking it over. Consider all of the options you and your child have to finance his or her education before maki...
Consolidating your student loans is the best option to repay them
Loan consolidation may simplify your repayment process, lower your monthly payments, and help you avoid default on your student loans. But before applying for consolidation, review all of your options...
Advice for when you are not able to pay your student loan payments
Not being able to repay your student loans may be a big event in your life, but it doesn’t define your life. Following these steps will help you take inventory of the magnitude of the problem, so yo...
How to have a life after college and repay your student loans
With a little careful planning and budgeting, recent college graduates can get started on the right foot. Depending on your long-term goals, being open to a public sector position may help wipe out th...
Money lessons every college grad should know
Graduation is a time to celebrate your achievement over the past four years and the transition to another phase of your adult life. Take the time to educate yourself now on the basics of personal fina...

Financing Education

The EFC and how it affects your financial aid
Understanding how financial aid calculations work for the colleges your student is considering is essential to proper college planning. Each family’s finances are unique. What may work for a high-in...
Apply for scholarships the right way to get more money for college
Securing funding for your education can be a daunting and anxiety-ridden task. However, investing the time necessary to identify and apply for scholarships and being focused in your search could make ...
Teach your college student how to budget for financial independence
Teaching your child financial responsibility while in college is one of the most important lessons you can teach them. Going over these financial tips with your college student can not only help them ...
How to save money for college and retirement at the same time
Finding the financial resources to save for retirement and college savings requires careful planning and budgeting. I typically recommend to my clients that retirement savings is the top priority, whi...
College students: manage your spending to help you save money
While you are hitting the books and earning that degree, you also can be making an investment in your financial future by developing good financial management skills. Set the basis for your future by ...
Make the most of federal student loans to pay for college
The U.S. now has the most generous student loan repayment program in the world. The problem is that almost 90% of the public, the majority of the news media, and even most members of Congress don’t ...
Should you use student loans to pay for your college education?
If there is only one thing you take away from this article, it’s that you must assess if the debt is worth it. I encourage you to reach out to a career counselor or a professional in the industry yo...
A 529 plan for your child is a smart way to save money for college
If you plan to put several thousand dollars into any 529 plan, be sure to have a meeting, first, with a CPA or certified financial advisor who understands them well, and can also discuss other options...
X

Contact Leslie H. Tayne, Esq.

Message was successfully sent. There was an error sending the message.