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Todd S. Cushner
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Todd S. Cushner
Law Offices of Cushner & Garvey, L.L.P
155 White Plain Road
Suite 207
Tarrytown, NY 10591
Phone: (914) 524-9400 | Fax: (914) 524-0422
http://www.cushnergarvey.com/
Brilliant Legal Ideas From Unconventional Thinking
Legal Topic
Bankruptcy
Preferred New Clients
I prefer to handle consumer bankruptcy cases.
Sub-Categories
Bankruptcy
- Chapter 13
- Chapter 7
- Credit Disputes
- Debt Relief
- Garnishments
- Business Bankruptcy
- Creditor Harassment
- Personal Bankruptcy
- Foreclosures
Bar Admissions
NJ, Jan 2001
NY, Jan 2002
Bar Number: 4013108
Other Court Admissions
Federal District, Eastern New York, Southern New York and the District of New Jersey.
Association Memberships
National Association of Consumer Bankruptcy Attorneys, The New York State Bar Association, American Bar Association, National Rifle Association, and AMA.
Continuing Education
My continuing education requirements are fulfilled in many ways including comprehensive seminars offered by both the local and national bar associations. Additionally, as a member of the National Association of Bankruptcy Attorneys, I am frequently given notice on important new case law and its effects on consumers.
Lastly, the New York Bar has a fantastic internet list serve where some of the top practitioners share their vast experience and often groundbreaking case law. Annually, I try to fulfill more than the required number of hours of continuing legal education.
Papers and Publications
I am the author of the Credit Solutions Kit, copyright 1995.
Example Cases
We have had the privilege of helping many elderly clients save their homes from foreclosure and, at the same time, assist these individuals in re-working their budgets. Many young people find themselves overwhelmed by the credit card debt incurred while they were students at a 2 or 4 year local college. They are often disappointed with the job opportunities available to them after their studies are completed, and the student loans are due for repayment. The combination of student loans and mounting credit card debt with percentages often 20% higher then the come on rate is devastating. At times our office has found itself facing a novel issue of law, for example the extension of a judgment beyond the 20 provision of the CPLR.
Education
Degree:
B.A.
School:
Brooklyn College of the City University of New York
City:
Brooklyn
State:
NY
Year:
1980
Focus and Accomplishments:
Journalism.
Degree:
J.D.
School:
St. John's School of Law
City:
Jamaica
State:
NY
Year:
2001
Number of Attorneys
4
State Licensed In
New York
Firm Focus and History
Our firm was established in 2002 by two unique individuals with vast prior business experience. The purpose of the firm was to combine our talent and experience in order to help consumers and small businesses succeed.
Our firm specializes in helping people and small businesses resolve economic-based problems through debt reconstruction, negotiation, and bankruptcy. Asset protection, estate planning as well as matrimonial law are a part and parcel of our practice.
Previous Employment Summary
1992-2001 NSA Financial Service, Inc., helping people resolve credit issues
1988-1992 SZWE Commercial Real Estate Service, brokerage company real estate
1979-1988 WPIX-TV News, TV news cameraman
Activities and Awards
I was Emmy-nominated for best spot on the news in 1985.
What is your opinion regarding clients educating themselves on legal issues?
We believe that information is power. We encourage clients to educate themselves on legal issues.
Are you willing to review documents prepared by clients?
We are happy to help pro se clients file accurate petitions.
Are you willing to coach clients who want to represent themselves?
We are happy to answer any questions within our practice and jurisdiction.
Why did you decide to be a lawyer?
I have spent many years in both the real estate and financial services industry. Quite often consumers are faced with situations that require a competent attorney. While there may be an abundance of attorneys in practice, many of my clients expressed negative experiences regarding the lack of compassion they have found in the legal community. As a person who has directly experienced hard economic times in the early period of my life, I can relate to the isolation and despair associated with law suits, bill collectors, process servers and the general inability to meet one's required financial burden. Bankruptcy offers people an opportunity to change their circumstances for the better. Bankruptcy is surrounded by myth and misinformation. My desire to become an attorney was fueled by my experience during hard economic times. I feel my experience in my field and my compassion for people in need qualify me as the right attorney to help those burdened by debt.
What work experience and education helps you be a better lawyer?
I have a significant background in real estate development, commercial financing and credit. This gives me an inside view as to what the other side thinks. I know the moves before the opponent makes them.
Why did you decide on your primary area of practice?
The area of bankruptcy is shrouded in myth and falsehood. I chose to go into this area of law in order to shed light on the great opportunity that bankruptcy provides and to ease the fears of debtors.
What do you like best about your career?
The best thing about my career is helping people get the help that they need to get out of debt and on track to financial stability.
Tell us about your law firm:
We have a great staff of helpful, smart people. Our office manager, Stephanie Giryluk, is the first point of contact for most of our clients. Our on-staff powerhouse, Dana Chrisomalis, can find a solution in current case law to any problem.
My partner, Lawrence Garvey, brings significant business and litigation experience to the firm.
What are your strengths and style?
I am caring, compassionate, and sympathetic. However, I am also aggressive and challenging in court.
Personal Interests:
I am married with two kids and a dog. I live in New Jersey and when I am not playing with my children, I am usually playing the drums, shooting, flying radio-controlled helicopters or waxing my car.
Office Manager/Assistant
Stephanie Giryluk.
Fax
(914) 524-0422
Office Hours
Monday through Friday. 9:00 a.m. to 6:30 p.m.
For emergency after hours call (347) 405-0099
Emergency After Hours
Yes
Foreign Languages
Spanish.
Additional Offices
Brooklyn, NY
26 Court Street
Brooklyn, NY 11242
(800) 644-2733
Fixed-Price Services and Fees
Chapter 7 bankruptcies: $1,500 plus filing fees
Chapter 11 and 13 bankruptcies: $3,500 plus filing fees
Hourly Rates
$300 per hour.
Free Initial Consultation?
Yes, I offer a free initial consultation for up to one hour.
Typical Retainer
Our retainer agreement is a relatively simple one but does combine all of the required provisions of the Bankruptcy Reform Bill of 2005. Our typical retainer agreement for a Chapter 7 filing runs between $1,500 to $1,800 plus any required court fees.
Nolo's Licensing Check
Attorneys have passed a licensing check. Nolo has confirmed that every member attorney has a valid license and is in good standing with the applicable bar associations upon joining the directory.
Directory lawyers are required to notify Nolo immediately if they become the subject of any disciplinary action by any bar association.
