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Craig D. Robins, Esq. New York Bankruptcy Attorney, Longisland bankruptcy attorney

“ Craig D. Robins, Esq., has been a practicing Long Island bankruptcy attorney for over twenty-four years ”

Craig D. Robins, Esq.

In The News

Craig D. Robins and Long Island Bankruptcy Blog Mentioned in Washington Post Article About Judges Becoming Intolerant of Mortgage Lenders in National Mortgage Debacle

Posted on Thursday (March 10, 2011) at 6:00 pm to Foreclosure Defense
In The News

washington-post-300x270Written by Craig D. Robins, Esq.
 
I previously mentioned that I’ve been a little slow in writing posts about some national-level periodicals that have quoted me on various bankruptcy and foreclosure issues.
 
I’m pleased to say that on November 9, 2010, the Washington Post published an article written by their staff reporter Ariana Eungung Cha, who has been regularly covering national news about foreclosure improprieties committed by big mortgage lenders and their foreclosure attorneys.
 
The article discussed the recent revelation last fall that many foreclosure cases across the nation were based on improperly executed robo-signed mortgage documents.   
 
As New York had become a hotbed of cases in which judges have expressed their frustration with mortgage lenders who are reckless with their litigation, she asked for my comments.
 
She also highlighted the noteworthy and highly-publicized decision of Long Island Judge Jeffrey Arlen Spinner, who tossed out a mortgage because he felt that the mortgage lender wasn’t playing fair with its legal obligation to work out a resolution with the homeowner in good faith.  See Judge Cancels Mortgage Due to Mortgagee’s Shocking Behavior in Long Island Foreclosure Action .
 
 Long Island Bankruptcy Attorney and Foreclosure Defense Lawyer Craig D. Robins, Esq. Quoted in Washington Post 
 
Click to see “Some Judges Chastise Banks Over Foreclosure Paperwork” on the Washington Post website, or read the the article below:  
  
 
Some Judges Chastise Banks Over Foreclosure Paperwork
 
Washington Post Staff Writer
Tuesday, November 9, 2010

 

EAST PATCHOGUE, N.Y. – A year ago, Long Island Judge Jeffrey Spinner concluded that a mortgage company’s paperwork in a foreclosure case was so flawed and its behavior in negotiations with the borrower so “repugnant” that he erased the family’s $292,500 debt and gave the house back for free.

The judgment in favor of the homeowner, Diane Yano-Horoski, which is being appealed, has alarmed the nation’s biggest lenders, who say it could establish a dramatic new legal precedent and roil the nation’s foreclosure system.

It is not the only case that has big banks worried. Spinner and some of colleagues in the New York City area estimate they are dismissing 20 to 50 percent of foreclosure cases on the basis of sloppy or fraudulent paperwork filed by lenders.

Their decisions illustrate the central role lower court judges will have in resolving the country’s foreclosure debacle. The mess came to light after lawsuits and media reports showed lenders were routinely filing shoddy or fraudulent papers to seize the homes of borrowers who had missed payments.

In millions of cases across the United States, local judges have wide latitude to impose sanctions on banks, free homeowners from their mortgage debts or allow the companies to proceed with flawed foreclosures. Ultimately, the industry is likely to face a messy scenario – different resolutions by courts in all 50 states.

The foreclosure dismissals in this area of New York have not delivered free homes for borrowers. With so much at stake, lenders in this part of New York are aggressively appealing foreclosure dismissals, which is likely to keep the legal system bogged down, foreclosed homes off the market, and homeowners like the Yano-Horoski family in legal limbo for years.

“We believe the Yano-Horoski ruling, if allowed to stand, has sweeping and dangerous implications for the entire mortgage lending industry,” said OneWest Bank, the family’s mortgage servicer.

The situation in Suffolk and Nassau counties on Long Island and Kings County in Brooklyn- which have among the highest rates of foreclosure in the state and where the 81 judges handling foreclosures have become infamous over the past few years for scrutinizing paperwork for errors – provides a window into how the crisis could unfold across in the country.

While the level of tolerance for document mistakes varies from judge to judge, the group as a whole has a reputation for ruling against mortgage companies when paperwork issues or other problems arise. At least one bank, J.P. Morgan Chase, requires document processors to separate foreclosures cases from these three counties from those in the rest of the country. A high-ranking executive of the company is specially assigned to sign off on the area’s foreclosure filings.

Judge Dana Winslow of Nassau County says he’s thought a lot about why judges in his area are more apt to question filings. He said it comes down to one thing: Lack of trust for Wall Street. In this region, judges have seen a lot of inaccurate filings from the financial sector.

Trust “of the lending institutions and Wall Street has eroded in some areas of the country more than others,” Winslow said.

Craig D. Robins, a foreclosure defense attorney who authors the Long Island Bankruptcy blog, said of the Yano-Horoski case: “I think we’re going to see more decisions like this across the country. Many judges are finding their court calendars clogged with cases that have all these flaws in them that never should have been brought in the first place or should never have been brought without more due diligence.”

Going forward, mortgage companies trying to foreclosure in the state of New York will face stiffer requirements. On Oct. 20, the state’s chief judge said attorneys for lenders will have to vouch personally for the accuracy of documents.

“We can’t have the process being a fraud,” New York State Chief Judge Jonathan Lippman said in announcing the new procedure. “It has to be real and based on credible information.”

Even before Lippman’s order, however, lower court judges were already raising questions about faulty paperwork in foreclosures.

On June 17, for example, Judge Karen Murphy of Nassau County ruled that Wachovia Bank lacked standing to foreclose on a home because the document used to prove ownership of the mortgage was incomplete.

On Sept. 21, Judge Peter Mayer of Suffolk County delayed a foreclosure by Ally Financial’s GMAC mortgage unit after noticing that the paperwork transferring the mortgage to the bank was dated two days after the foreclosure was initiated.

And on Oct. 21, Judge Arthur Schack of Kings County dismissed a OneWest foreclosure motion because the bank had not adequately documented how the mortgage had been sold and resold to investors. He also questioned why the employee who signed many of the documents claimed to be a vice president of several different mortgage companies at the same time.

In a different case in May, Schack ruled that HSBC Bank could not foreclose on a home because the paperwork that assigned the mortgage to HSBC from the original lender, Cambridge, was “defective.”

That didn’t mean the borrower, Lovely Yeasmin, a 28-year-old cashier who immigrated from Bangladesh, got her three-story townhouse in Brooklyn’s Bushwick neighborhood for free. Wells Fargo, the mortgage servicer for HSBC, has not appealed the case. Instead, it has offered to temporarily lower her monthly payment from $4,700 to $3,000.

Yeasmin’s eldest brother, Mohammed Parpez, 35, said that before the judge’s order, Wells Fargo was resistent to a loan modification. “The banks are crooks. They tell everyone they are trying to help people like us, but they are really doing the opposite,” Parpez said.

Tom Goyda, a Wells Fargo spokesman, said that although the company “disagrees with the court’s findings,” it is continuing to try to work out a longer-term solution with the family.

Members of the Yano-Horoski family said they struggled similarly to get their lender to modify their loan after Greg Horoski fell ill in 2005 and his online business selling specialty dolls suffered. After he underwent a triple bypass surgery, two stents and two hip replacements, he and his wife, Diane – who teaches an online English composition course – found themselves unable to pay the bills.

Despite his pleas, Horoski said, he failed to get OneWest to come to an agreement, even though he became able to pay the debt after his company’s sales picked up.

In his November 2009 ruling, Judge Spinner of Suffolk County blasted OneWest for negotiating with an “opprobrious demeanor and condescending attitude.” He also cited the bank’s “duplicity” in offering a forbearance agreement with a deadline that had already passed and for presenting contradictory paperwork claiming different amounts for what the family owed.

With their case under appeal, the Yano-Horoskis now find themselves in a tricky position, wary of putting more money into a house that an appeals court could take away from them. While the other houses on their quiet suburban street are meticulously maintained, their front-porch light remains shattered and the paint on their house is peeling.

They’ve shelled out $3,000 for a new hot-water system. They paid $2,000 for tree trimming after a neighbor complained. But they’ve let the $10,000 property tax bill become delinquent, and they worry an appeals court could not only reverse the earlier ruling but demand that the family pay back the mortgage for every month that has passed since.

Nonetheless, Horoski remains optimistic.

“People thought people who didn’t pay their mortgages were automatically deadbeats,” he said. “People are educated now. They are realizing all of a sudden how many hundreds of thousands of these homes that were foreclosed may have been done so with fraudulent documents.”

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Craig D. Robins Quoted In Daily Finance Article

Posted on Wednesday (March 2, 2011) at 4:00 am to Foreclosure Defense
In The News

Craig D. Robins, Esq. quoted in Daily Finance article about foreclosure defense
 
Written by Craig D. Robins, Esq.
 
Because I’ve been so busy representing clients these past few months, I’ve been a little slow in commenting on some national-level periodicals that have recently quoted me on various bankruptcy and foreclosure issues.
 
On October 25, 2010, Abigail Field, writing for Daily Finance, discussed New York’s new rules for requiring attorneys to verify information presented to the court in foreclosure cases.  In her article, “What’s the New York State of Mind for Foreclosures Now?” I commented on the impact that this new law will have.
 
 
Click here to see the Daily Finance article:  What’s the New York State of Mind for Foreclosures Now?
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Craig D. Robins Quoted in Long Island Business News Article About MERS Mortgage Mess

Posted on Tuesday (February 15, 2011) at 9:15 pm to Foreclosure Defense
In The News

 

Craig D. Robins featured in Long Island Business News ArticleBelow is an article about the highly-controversial MERS — the Mortgage Electronic Registration System — which has been negatively featured in national news over the past year for contributing to the foreclosure woes of millions.  A number of my quotes are featured in the article which appeared in Long Island Business News in its January 26, symptoms 2011 edition.

The major issue with any MERS mortgage is whether the mortgagee has standing to commence a foreclosure proceeding.  See  A New Powerful Mortgage Foreclosure Defense — Compliments of MERS .

Here is the article:
 

Critics Question a Digital Financial System Web

by LIBN Staff
Published:  January 26, ask 2011

The lending industry launched the Mortgage Electronic Registration System in 1997 to be a centralized database to streamline the transfer of home loans among investors while making it easier for borrowers to keep track of who owns their loans.

But the system’s critics say the industry got it only half right: Loans are being transferred electronically between investors at such an alarming pace – and with so little governmental oversight – that homeowners often cannot discover the current loan owner’s identity.

This difficulty results, doctor in large part, from a legal fiction in which MERS registers as the nominal mortgagee in county land records offices. Loan transfers under the mortgage are not similarly recorded and “transparent” but are instead handled through the electronic database.

The true lender comes to light only when foreclosure proceedings begin, when MERS reassigns the mortgage in land records to the lender, critics say. “Mortgages seem to be bought and sold at such a dizzying pace on the secondary mortgage market that frequently a plaintiff  mortgagee is no longer the proper party by the time the foreclosure is served,” said Craig Robins, a Woodbury-based attorney and writer who specializes in bankruptcy law.

But MERSCORP President R.K. Arnold said the MERS database, which his company operates, makes it easier for borrowers to track the current owner of the loan.

He referred to written testimony he gave in November to the U.S. Senate Banking, Housing and Urban Affairs Committee as part of its examination of the mortgage serving industry.

“MERS helps the mortgage finance process work better,” the written testimony said. “The MERS process of tracking mortgages and holding title provides clarity, transparency and efficiency to the housing finance system. We are committed to continually ensuring that everyone who has responsibilities in the mortgage and foreclosure process follows local and state laws, as well as our own training and rules.”

Robins noted that MERS, of course spins toward the positive for his company. “Although MERS claims its process is efficient, we can see that’s not the case because of all the sloppiness that’s been exposed in the way they maintain their records,” he added.

In response to claims that MERS is not a valid mortgagee, MERSCORP’s president told the Senate panel that the company clearly notes on mortgage documents signed by the borrower at closing that MERS is the mortgagee. The document is then recorded in the public land records, Arnold said in written testimony.

The lenders, under their membership agreement with MERS, state that the system serves as the mortgagee of record with regard to each loan, he added.

“What MERS does is eliminate the expense of repeated assignments, resulting in lower cost for lenders when they sell the loans … to investors,” Arnold added. “When the note is sold, MERS continues to act as the mortgagee for the new note holder because the mortgage interest follows the note when it changes hands.”

Despite this assurance, and even in the absence of a court ruling or legislation, title insurers might grow leery of underwriting home sales involving properties in which the MERS database was the mortgagee. Title insurers feel more comfortable with paper documents attesting to the ownership of property and loans. One reason for title insurers comfort level with paper is it’s easier to document a complete chain of title, assuming the mortgage instruments are properly prepared, Robins noted.

Critics of MERS say the electronic database has also enabled banks to avoid paying county recording fees whenever they assign a loan.

The banks need not record the loan transfers because on paper the same company, MERS, retains the mortgage.

University of Utah law professor Christopher L. Peterson, a critic of MERS, said the practice shortchanges counties and is presumably illegal in many jurisdictions, testifying last month before the House Judiciary Committee as it examined causes and effects of the foreclosure crisis.

Peterson, in an interview, said state lawmakers should consider passing legislation that would require mortgages and loans to be recorded with land records officials to ensure proper chain of title.

Such legislation would combat the mortgage industry’s “cavalier documentation practices” under which MERS is “pretending to own the mortgage,” Peterson said.

MERSCORP’s Arnold, in response to Peterson’s criticism, referred once more to his written Senate testimony.

“We take our role as a mortgagee very seriously and we see our database as a key to moving toward better access to information and transparency for customers,” the testimony said.

Robins sees big trouble ahead unless fundamental questions are resolved. “Until there’s some kind of resolution of the problems MERS has created, we’ll certainly see an increasing number of attorneys who are raising MERS defenses to foreclosure proceedings,” he said. “However if this is left unabated, the MERS problem will spiral out of control.”

This story originally appeared in LIBN’s sister paper, The Daily Record.

 
Long Island Business News, a weekly, is Long Island’s only publication devoted to local commerce and has been the premier source of news and data on Long Island business, economic trends and the region’s entrepreneurial sector for more than 50 years.
 
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Craig D. Robins and Long Island Bankruptcy Blog Mentioned in Boston Globe Article

Posted on Wednesday (January 26, 2011) at 8:00 pm to Foreclosure Defense
In The News

Craig D. Robins, Esq. quoted in Boston Globe on Foreclosure Defense Issues

Craig D. Robins, Esq. quoted in Boston Globe on Foreclosure Defense Issues

Written by Craig D. Robins, Esq.

 
Because I’ve been so busy representing clients these past few months, I’ve been a little slow in commenting on some national-level periodicals that have quoted me on various bankruptcy and foreclosure issues.
 
On November 12, 2010, Rachel Beck, writing for AP in an article that appeared in the Boston Globe and several other newspapers, discussed the recent revelation that many foreclosure cases across the nation were based on robo-signed mortgage documents.   
 
As New York has become a hotbed of cases in which judges have expressed their frustration with mortgage lenders who are reckless with their litigation, she asked for my comments.
 
Here is the article as it appeared:
 
 
 
By Rachel Beck
AP Business Writer / November 12, 2010
Boston Globe
 
NEW YORK—It isn’t just Justin Bieber videos or stunning plays in a middle-school football game that are getting attention on YouTube these days. Add to the list a former hotel maid explaining how she signs thousands of mortgage documents a year without a clue to what she’s putting her name on.

“I don’t usually read the docs when I sign,” says Dhurata Doko, an employee of Nationwide Title Clearing, a mortgage services company.

“So it is not part of your job to review the document? Your job is just to sign it?” asks Florida foreclosure defense attorney Christopher Forrest during a videotaped deposition of Doko earlier this month.

“I just look for my name and then sign,” she says.

Robo-signing mortgage document handlers have found their way to YouTube, giving a rare live view into the latest mess to rock the troubled housing industry.

The nation’s foreclosure crisis took a turn six weeks ago when it became clear that banks and processing firms had employees sign court documents that had information that was unverified or even false. The reason — or at least the reason lenders give for the sloppy work — is that they are drowning in foreclosures.

Banks have seized more than 909,000 homes through the first 10 months of the year and are on pace to take back more than 1 million homes this year. Now, foreclosures are being challenged in court because of the allegations of fraudulent documents.

Lenders say that this mess has been overblown. Some paperwork might be flawed, the banks acknowledge, but delinquent borrowers still deserve to lose their homes. The depositions say otherwise.

Doko worked as a maid and assembled electronics before joining Nationwide Title Clearing six years ago. She is one of three NTC employees whose video depositions were posted on YouTube by Forrest as part of a foreclosure case he is handling in Florida.

She and her colleagues tell of signing thousands of mortgage documents a day. One worker estimates signing 5,000 documents a day on average, another says she signs her name every 2 seconds. They acknowledge their signatures differ on certain documents.

The videos show that employees didn’t even know the most basic mortgage terminology. For instance, they don’t know what an “assignment of mortgage” is, even though that is crucial in a foreclosure case because it establishes who the final holder of the loan is.

Doko says she only signs documents as a witness. She says she never signs under the title of vice president. Forrest then shows her a document with her name on it. “Beneath your name it says vice president?” Forrest asks.

“I don’t pay attention to that,” responds Doko, looking uncomfortable as she answers.”

But you do agree with me, beneath your name it says vice president … and above your name it says Financial Freedom Senior Funding Corp. So when you sign this document, do you know whether you are signing as vice president of this company or as a witness?” asks Forrest.

“I just sign my name,” Doko says.

Courts, state financial regulators and attorneys general nationwide are investigating whether lenders violated the law by submitting fraudulent documents, often prepared by robo-signers.

The fact that delinquent borrowers face foreclosure is not the issue, but whether the documents used to get them out of their homes are signed by compromised witnesses, says Kendall Coffey, a former U.S. attorney in Miami and author of the book “Foreclosures in Florida.”

“You still need truthful witnesses. Robo-signers aren’t. They are impostors,” Coffey says.

NTC said in a statement to The Associated Press that its employees had been deposed but criticized the placement of the depositions on the Internet.

“It is unethical to imply that long-standing industry practices, which have been found in court to be legal methods of preparing common mortgage related documents, are somehow harmful to consumers,” NTC said.

The big mortgage lenders have been doing their own investigations regarding the entire foreclosure process. Some, including Bank of America and Ally Financial Inc.’s GMAC Mortgage, have started processing foreclosures again, after calling a temporary halt while they reviewed documents.

The courts will have the ultimate say over what happens next. If judges feel that borrowers have been wronged, they can halt the foreclosure process. An Ohio judge ruled on Tuesday that a state challenge to the validity of lender foreclosure documents will be heard in court early next year in Cleveland.

Attorney Craig Robins of Woodbury, N.Y., says he is already seeing some judges taking a stand.

“Many judges have seen so much sloppy and careless paperwork (from lenders) that they are saying ‘enough is enough’,” says Robins, a foreclosure defense attorney who writes the Long Island Bankruptcy Blog. “They won’t rubber-stamp the foreclosure proceedings.”

As the YouTube videos show, there already has been enough rubber-stamping.

 

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Long Island Bankruptcy Blog Wins Folio Award from Fair Media Counsil

Posted on Saturday (January 22, 2011) at 1:00 am to In The News

Long Island Bankruptcy Blog (LongIslandBankruptcyBlog.com) receives Folio Award from Fair Media Counsel for best blog in Metro New York area

Written by Craig D. Robins, viagra Esq.

 
I am proud to announce that last year this blog won the Blogtastic Award from the Fair Media Counsil at their annual Folio Awards.
 
The Folio Awards are given to local news and media in the New York metro area (mostly TV and newspaper) to honor significant achievement for work that is relevant to the community.
 
The Blogtastic Award was awarded to the Long Island Bankruptcy Blog (LongIslandBankruptcyBlog.com) for being the blog that was most relevant to the community.  I was recognized as publisher of the blog.
 
The awards were presented at a luncheon where the keynote address was presented by Dateline NBC correspondent and Emmy-Award winner Chris Hansen, see who is the investigative reporter best known for his work on “To Catch a Preditor.” 
 
The award ceremony was attended by over 500 people at the Crest Hollow Country Club in Woodbury and a total of 39 awards were presented.
 
Nassau County Executive Ed Mangano was one of the award presenters, drug as were several network news reporters.  Other award winners included WNBC, Fox 5, WPIX, WCBS News Radio, Long Island Business News, and Long Island Press.
 
This past year was the first time there was an award for a blog.
 
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Craig Robins Mentioned in New York Times Cover Story About Sloppy Foreclosure Lawyers Who Represent Lenders

Posted on Tuesday (January 11, 2011) at 9:45 pm to Foreclosure Defense
In The News
Mortgages & Sub-Prime Mortgage Meltdown

Today's NY Times Cover.  The story is the first article on the upper left.

Today's NY Times Cover. The story is the first article on the upper left.

One of the biggest news stories of the past three months has centered around the flood of foreclosure cases which have exposed the shoddy practices of foreclosing lenders and the attorneys who represent them.

 
Today, in a New York Times front-page story, “Judges Berate Bank Lawyers in Foreclosures,” reporter James Schwartz wrote about how judges are looking ever more critically at home foreclosures, especially here in New York. 
 
This is an issue that I’ve covered repeatedly in my blog over the past year.  For example, see: Judge Cancels Mortgage Due to Mortgagee’s Shocking Behavior in Long Island Foreclosure Action   and my post Has Steven J. Baum, P.C. Served You with Foreclosure Papers?
 
Also, in today’s New York Times article, it was reported how judges have accused lenders’ attorneys of processing shoddy or even fabricated paperwork in foreclosure actions.
 
Here in New York, the mortgage litigation mess grew so severe that our Chief Judge adopted new court rules requiring attorneys to verify the information in foreclosure cases, which I addressed in New Forelosure Law in New York Requires Attorneys to Verify Foreclosure Papers .
 
The article mentioned one of my foreclosure defense clients, Sunny D. Eng, who we successfully defended in a Suffolk County Supreme Court foreclosure case brought by Wells Fargo.  In that case, which I will discuss in greater detail in a follow-up post, we were able to persuade the court to dismiss the entire foreclosure action.
 
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Long Island Mortgage Foreclosure Clinics on News 12 Tonight

Posted on Friday (May 21, 2010) at 4:44 pm to Consumer Advice
Foreclosure Defense
In The News
Mortgages & Sub-Prime Mortgage Meltdown

Jason S. Leibowitz, Esq. at Nassau County Bar Association Mortgage Foreclosure ClinicBy Craig D. Robins, Esq.
 
For several years I have volunteered for the mortgage foreclosure clinics put on by the Nassau County Bar Association.
 
Tonight, Gale Berg, Director of Pro Bono Activities for the Bar Association, will be discussing the Foreclosure Clinic Program on “Long Island Talks” tonight on News 12, between 7:00 and 7:30 p.m.
 
Pictured above right is our associate, Jason S. Leibowitz, Esq., who recently volunteered at one of the Clinic’s events in which he provided free foreclosure advice to Nassau County homeowners.
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Bankruptcy Presentation for American Inns of Court

Posted on Wednesday (February 10, 2010) at 11:30 pm to In The News

Craig D. Robins and Theodore Roosevelt Inns of Court:  Jaspreet S. Mayal, Emily Harper, Matthew R. Amon, Glorisbel Roman. Andrew Thaler, Robert L. Pryor, Bernard S. Mark, Judge Dorothy T. Eisenberg, and Craig D. Robins 

(left to right) Jaspreet S. Mayal, Emily Harper, Matthew R. Amon, Glorisbel Roman. Andrew Thaler, Robert L. Pryor, Bernard S. Mark, Judge Dorothy T. Eisenberg, and Craig D. Robins

 

Written by Craig D. Robins, Esq.

 
On Monday night this week, I participated in a group that presented an educational bankruptcy program for the Theodore Roosevelt Chapter of the American Inns of Court.
 
The presentation, which discussed various issues of bankruptcy law, was held at the Nassau County Bar Association, and was attended by about 70 judges, attorneys and law students.
 
The program took the format of a role-playing demonstration and subsequent discussion.  It centered around a detailed fact pattern about an individual who owned a small company that has financial difficulties and needs Chapter 11 bankruptcy relief.  The individual also had his own financial consumer problems complicated by the possibility of divorce, not to mention some serious tax problems as well.  These are all issues that commonly arise in bankruptcy matters.
 
Our hard-working group was led by Long Island Bankruptcy Court Judge Dorothy T. Eisenberg, who hosted several meetings in her chambers at the Courthouse in Central Islip over the past several months.
 
I naturally played the role of the consumer bankruptcy attorney.  Chapter 7 trustee Andrew M. Thaler played the role of my lawfirm partner who specializes in matrimonial bankruptcy issues.  Chapter 7 trustee Robert L. Pryor played the role of the Chapter 11 business attorney.  Tax attorney Bernard S. Mark played the role of the seasoned bankruptcy tax attorney.  Commercial litigator Jaspreet S. Mayal played the role of the creditor’s attorney.
 
We were very fortunate to have three very hard-working Hofstra Law School students participate in the project.  Matthew R. Amon played the role of the businessman who suffered from corporate and consumer financial problems.  Emily Harper played his nagging soon-to-be-divorced wife.  Glorisbel Roman played the anxious creditor, and also acted as narrator.
 
All of the students did outstanding jobs preparing for the presentation, conducting research, writing reports, and acting in the program.
 
About the Inns of Court
 

The Theodore Roosevelt Inn of Court is a chapter of the American Inns of Court, which is dedicated to the enhancement of civility, ethics and legal excellence in the practice of law. I’ve been a member of this group since 1991.

To foster these concepts, the chapter emphasizes hands-on participation in the preparation and presentation of programs which address every-day experiences which lawyers face in their practices. Members include a number of federal and state judges, from seasoned trial lawyers to inexperienced litigators, attorneys from both public and private sectors, and law students from Touro, Hofstra and St. John’s Law Schools.

The Chapter holds monthly dinner programs which are usually held at the Nassau County Bar Association and follow an agenda that typically begins with a buffet dinner. At the dinner, not only do the members interact socially but the more experienced attorneys and judges mentor younger lawyers and law students. Dinner is followed by the monthly program and is often concluded by a lively discussion where members pose questions and discuss their diverse views and perspectives. The Theodore Roosevelt Inn of Court has received authorization to grant its members C.L.E. credit for attending the programs.

 

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Long Island Bankruptcy Lawyer Craig Robins Quoted in Newsday Article About Increase in Bankruptcy Filings

Posted on Monday (January 25, 2010) at 9:00 pm to Bankruptcy and Society
Bankruptcy Statistics
In The News

Newsday published a story about Long Island bankruptcy filings, with quotes from bankruptcy attorney Craig Robins
Written by Craig D. Robins, Esq.
 
Bankruptcy filings are up across the country and Long Island is no exception.  Newsday ran a story about this on Thursday, January 21, 2010 and quoted me.  The article was written by Newsday reporter Emi Endo.
 
Here’s the article:
 
Bankruptcy Filings on the Rise
 
Amid continuing job losses and a housing market slump, more Long Islanders have been heading into bankruptcy proceedings, according to court data.
 
In November, 806 residents filed for bankruptcy protection, an 11.9 percent increase over November 2008. In all of 2008 more than 7,500 cases were filed in Central Islip. From January through November of last year, there were 9,200.
 
Woodbury bankruptcy attorney Craig Robins said his firm has seen an increase in the number of formerly well-paid professionals who were either laid off or took major pay cuts. “What we’re seeing now is many executives and individuals who were earning well into the six figures needing bankruptcy relief,” he said.
 
Also growing, Robins said, was the number of “homeowners whose homes are underwater” and who owe more on their mortgages than the properties are worth, a difference sometimes as much as $100,000.
 
Newsday periodically tracks economic indicators in this Long Island Economic Snapshot.
 
Among other economic indicators, home sales did go up in November – but so, too, did initial foreclosure filings. The number of homes sold in November was up 49.3 percent over the same month a year ago, as reported by the Multiple Listing Service of Long Island.
 
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Bankruptcy Song: “Debt-Free Girl”

Posted on Wednesday (December 16, 2009) at 12:15 pm to Bankruptcy Humour
Chapter 7 Bankruptcy
In The News
Lawyer to Lawyer

Long Island bankruptcy attorney Craig D. Robins enters Bankruptcy Song Contest wtih Written by Craig D. Robins, Esq.
 
Yours Truly Enters the National Bankruptcy Song Contest
 
Well the deadline for the Bankruptcy Bill Bankruptcy Song Contest has arrived and nine songs are competing for awards and recognition — including my song, “Debt-Free Girl,” and two other surprises.
 
The first surprise is that my wife, Arlene, submitted a song.  Since she is especially witty (she writes song parodies for my birthday almost every year, and also for lots of her friends), I challenged her to submit something.  So she surprised me by submitting “Bankruptcy Wife’s Lament” which is about a bankruptcy attorney who neglects his wife and son because he is so busy.  That apparently is me.
 
The second surprise is that our very own Central Islip Bankruptcy Court Judge, Alan S. Trust, also submitted an entry, “Debts in Wrong Places.”  Hailing from Texas for the past 24 years, it was no wonder that Judge Trust submitted a country music song based on Garth Brook’s “Friends in Low Places.”  His song pokes fun at the ridiculous aspects of the bankruptcy means test.
 
There are other songs from other bankruptcy attorneys and a bankruptcy judge in California, Sheri Bluebond.
 
My song, “Debt-Free Girl” is based on Billy Joel’s “Uptown Girl” and is about a girl who becomes debt-free through bankruptcy, thanks to her bankruptcy man.
 
A Shameless Request for Votes – Please Vote for My Bankruptcy Song
 
The winner of the bankruptcy song is the one with the most votes.  To vote, you must send an e-mail to Bill@BankruptcyBill.us.  You can include your choice for first, second and third place.
 

“DEBT-FREE GIRL”


(To the tune of Billy Joel’s “Uptown Girl“)

Oh wo oh oh oh oh oh oh. . . . .
Debt-free girl
She’s now living in a whole new world
No more bills or late-night collection calls
It is because – she finally got the balls

To become – a real debt-free girl
No more living in a creditor world
As long as anyone with bad debts can
Make an appointment with the bankruptcy man
That’s what I am

And when she learns that
She won’t have to pay
And then she can wake up
Stress free – there’s a stay

She’ll see it’s not so tough
Just because
I’ve made her into a debt-free girl
Filed her petition; no more creditor world
She got tired of the collection calls
Perhaps she overspent at stores and malls
She’s got a choice

Oh wo oh oh oh oh oh oh. . . . .
Debt-free girl
She filed a seven; now it’s her turn
She kept her assets – they were all exempt
Trustee overlooked the money she spent
It’s what she dreamt

She passed the means test
It’s really no big deal
Her lawyer knew best
Assisted with credit counseling

It’s really not so tough
To discharge
Lots of bills
Of a debt-filled girl
She’s been living in a bill-collecting world
As long as anyone with big debt can
And now she’s looking for a bankruptcy man
That’s what I am
[Oh wo oh oh oh oh oh oh. . . . .]

Debt-free girl
She’s my debt-free girl
You know I love to see
A real debt-free girl

My debt-free girl
Did you know I love to see
A real debt-free girl

My debt-free girl
Did you know I love to see
A real debt-free girl

 

 

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Craig D. Robins, Esq. is a Long Island bankruptcy lawyer, who is focused primarily on helping individuals and families, find solutions to their debt problems. Read more »

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Craig D. Robins, Esq.
35 Pinelawn Road, Suite 218E, Melville, NY 11747.

Tel : 516 - 496 - 0800

CraigR@Craigrobinslaw.com