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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.

Current Events

Long Island Country Club Files for Bankruptcy — The Woodcrest Club

Posted on Friday (December 18, 2009) at 1:00 am to Chapter 11 Filings on Long Island
Current Events
Long Island Economy

Long Island Chapter 11 bankruptcy for Woodcrest Country Club in Syosset, New YorkWritten by Craig D. Robins, Esq.
The economy is affecting country clubs, too.  After last year’s Wall Street meltdown, country clubs have been hard hit. 
Long Island country clubs have been dealt an especially hard blow as many of Bernie Madoff’s investors reside here, and after they have lost big bucks, they no longer have the necessary funds to pay for luxuries like five-figure country club membership fees.
The Woodcrest Club, Inc., located in Syosset, New York, filed for Chapter 11 relief on December 10, 2009 in the United States Bankruptcy Court for the Eastern District of New York, in Central Islip.
The club’s membership dropped down to just 125 members, from about 300 this past summer.  The Club, which is on 107 prime acres on Long Island’s North Shore, has more than $1 million in unpaid vendor bills and employee wages.
The club also incurred large debt from a recent multi-million renovation of its facilities.  To compound the club’s problems, its mortgage contains covenants that are cost prohibitive to incurring subordinated debt or re-financing outside of bankruptcy.
Club Member is a White Knight in this Chapter 11 Bankruptcy
One of the members came through as a white knight to try to rescue the club.  John Bennardo, a general contractor and resident of Cold Spring Harbor, who’s been a member since 2002, agreed to lend the club, as a debtor-in-possession, about $2 million.  In doing so, he would also become the Woodcrest Club’s general manager and run it for at least five years.    Bennardo is the owner of Manhattan-based Legacy builders.
The case is pending under Case No. 09-79481 before Judge Dorothy T. Eisenberg.  The debtor’s attorney is Gerard R. Luckman of the SilvermanAcampora LLP firm in Jericho, New York.  This is the firm of Long Island Chapter 7 trustee Kenneth Silverman.
Technically, the debtor is a non-profit, member-owned corporation.  The debtor currently employs twenty-seven employees and has five officers.
The Debtor holds title to approximately 107 very desirable acres of real property in the exclusive Village of Muttontown, with a current approximate value of $18,000,000.
The Debtor’s Liabilities Include Taxes Owed to Uncle Sam From a Hole-in-One Contest
The Debtor’s liabilities total approximately $9,787,000, of which approximately $57,341 is for priority unsecured vacation pay, and approximately $12,900 of withholding taxes owed to the Internal Revenue Service from a hole-in-one contest winner — perhaps the most unusual debt I’ve come across in a bankruptcy proceeding in quite some time.
There is approximately $6,624,000 owed to secured creditors. The balance is owed to general trade creditors, arrears on equipment leases, and members that have already paid toward 2010 dues.
At the time of filing, there were four pending actions against the debtor, with the following parties as plaintiffs: (i) Wheatley Bakery 2 Inc.; (ii) Sigis Pastry Shop; (iii) Encore Events; and (iv) Big Z. Beverage.
The Meeting of Creditors is being held on January 5, 2010 in Room 561 at the Central Islip Bankruptcy Court.  Hearings on post-petition financing and first-day orders occurred earlier this week.  An order authorizing the payment of pre-petition employee wages was signed today.  A status conference before Judge Eisenberg is scheduled for January 14, 2009 in Courtroom 760.
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Foreclosure Law Discussed by Four Suffolk County Supreme Court Judges

Posted on Thursday (December 17, 2009) at 1:15 pm to Current Events
Foreclosure Defense
Lawyer to Lawyer
Mortgages & Sub-Prime Mortgage Meltdown
Suffolk Lawyer

Suffolk County Supreme Court Judges Hon. Jeffrey Spinner, Hon. Peter Mayer, Hon. Ralph Costello, and Hon. Thomas Whelan

Suffolk County Supreme Court Judges Hon. Jeffrey Spinner, Hon. Peter Mayer, Hon. Ralph Costello, and Hon. Thomas Whelan

Written by Craig D. Robins, Esq.


Four Suffolk County Supreme Court judges presented a views-from-the-bench program on December 9, 2009 about Mortgage foreclosure.  The well-attended seminar at the Suffolk County Bar Association had over 100 participants.  Cheryl Mintz was the moderator.
The program enabled the judges to provide some important insight into the rapidly-growing area of foreclosure litigation, especially considering a flurry of new legislation dealing with foreclosure procedural law and practice.
Foreclosure Caseloads Putting Strain on Court
Judge Ralph F. Costello commented on the lack of a sufficient number of Supreme Court judges that are necessary to adjudicate the ever-increasing number of foreclosure cases.  He acknowledged the difficulty that the Office of Court Administration would have to provide additional judgeships, but felt that it was entirely reasonable to find budgeting to enable each judge to hire a second full-time law clerk. Doing so, he believed, would enable each judge to double their caseload.
There was an in-depth discussion about Governor Patterson’s new comprehensive foreclosure legislation which was just passed last month.  The bill will greatly strengthen protections for homeowners, tenants and even neighborhoods, which can be plagued by blight.
Issue of Mortgagee’s Standing Is Becoming Increasingly Litigated
Judge Peter H. Mayer discussed the concept of standing and assignment, which is becoming an increasing source of consternation for mortgage companies.  Apparently, there are many problems resulting from the sale of mortgages on the secondary mortgage market.  Many foreclosing plaintiffs lack standing to bring the foreclosure suit, which can result in the dismissal of the case.
What a Foreclosure Judge Looks For
Judge Thomas F. Whelan broke his discussion into two sections, dealing with how the Court responds to foreclosure matters if an answer is filed, and if no answer is filed.  He discussed the importance of asserting affirmative defenses if available, and also addressed the new Request for Judicial Form that is now used in foreclosure actions.
He also discussed how the law clerks review cases to make sure that certain prerequisites have been met, such as adherence to the relatively-new 90-day foreclosure notice rule, whether parties appeared at mandatory settlement conferences, whether the subject property is owner-occupied (if so, special protections under the new statute exist), and whether additional default notices as required by the CPLR have been provided.
Mandatory Foreclosure Settlement Conferences
Judge Jeffrey Arlen Spinner, who is in charge of the Mortgage Foreclosure Conference Part, discussed the relatively new requirement of mandatory settlement conferences for all foreclosure proceedings involving sub-prime mortgages.
“My role as a judge is to be impartial.  I try to broker a settlement, if that’s at all possible,” said the judge.  He commented on the high number of these conferences, now numbering between 100 and 120 each Tuesday, saying “we’re buried in cases; we’re buried in motions.”
Ray Vorhees, Law Secretary to Judge Mayer, also addressed the audience to highlight the fact that the legislative intent of these various statutes is to protect homeowners, and that the court must and will honor the import of such legislative intent.
Judge Spinner’s Controversial Horoski Decision Which Canceled Mortgage
Towards the end of the evening, Cheryl Mintz asked Judge Spinner to comment on the case everyone wanted to hear about – Horoski – and the audience expressed their excitement.  This was the very recent case in which the Judge totally cancelled the mortgage in a foreclosure proceeding citing the bank’s egregious conduct. [See Judge Cancels Mortgage Due to Mortgagee’s Shocking Behavior in Long Island Foreclosure Action ].
Judge Spinner, however, mentioned a prohibition on commenting publicly on any case that is pending.  He did mention that a new issue had arisen in the case which will result in the matter appearing before him on his calendar in the next few weeks.
In response to some pressing commentss about the case from one rather-insistent attendee, Judge Spinner did mention that his decision was one that is based in equity, rather than one based on law.
About the Author.  Long Island Bankruptcy Attorney Craig D. Robins, Esq., is a regular columnist for the Suffolk Lawyer, the official publication of the Suffolk County Bar Association in New York. This article appeared in the December 2009 issue of the Suffolk Lawyer. Mr. Robins is a bankruptcy lawyer who has represented thousands of consumer and business clients during the past twenty years. He has offices in Patchogue, Commack, Woodbury and Valley Stream. (516) 496-0800. For information about filing bankruptcy on Long Island, please visit his Bankruptcy web site: http://www.BankruptcyCanHelp.com.
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Bankruptcy Song: “A Bankruptcy Wife’s Lament”

Posted on Wednesday (December 16, 2009) at 12:00 pm to Bankruptcy Humour
Current Events
Lawyer to Lawyer

Craig D. Robins' wife wrote a bankruptcy song about the laments of being the wife of a busy bankruptcy attorneyWritten by Craig D. Robins, Esq.
I am quite proud to post the song my wife, Arlene Gross Robins, wrote for the Bankruptcy Bill song contest.
Arlene, a full-time newspaper reporter, is especially witty and regularly writes song parodies and satire for her family and friends.
Her song is one of nine in the song competition which also includes songs by my Long Island Bankruptcy Judge Alan S. Trust (Debts in Wrong Places), which pokes fun at the bankruptcy means test, and by me (Debt-Free Girl) about a debt-free girl whose bankruptcy man has eliminated her debts.
Click on this link to see the original version of Sunrise Sunset on Youtube.


(To the tune of “Sunrise, Sunset” from “Fiddler on the Roof”)

Once I had a hubby who’d come home nights
We’d have our dinner; share a song
Life was so happy – filled with de-lights
What went wrong?

Chapter seven
Chapter thirteen
Filing is his life
Rescuing clients from their huge debts
At the expense of his son and wife

When the BAPCPA laws were changed in ‘05
I thought we’d have a nice reprieve
Debtors would no longer discharge their debts
Or so, I did believe

Chapter seven
Chapter thirteen
Filing is his life
Rescuing clients from their huge debts
At the expense of his son and wife

But now there were hurdles one must jump through
Credit counseling and a means test: de rigeur
Lawyers learned laws like they were brand new
And, thus, charged more

Chapter seven
Chapter thirteen
Filing is his life
Rescuing clients from their huge debts
At the expense of his son and wife

For a few years our son got to know his poppa
Then the economy went bad
Now dad works 24/7, non-stopp-a
And we’re so sad

Chapter seven
Chapter thirteen
Filing is his life
Rescuing clients from their huge debts
At the expense of his son and wife

As the recession slowly recedes
We’re hoping our attorney will come home
If not there’s divorce settlement proceeds
Either way, I’m raising our son alone

Chapter seven
Chapter thirteen
Filing is his life
Rescuing clients from their huge debt
At the expense of his son and wife



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Bankruptcy Song by Judge Alan S. Trust: “Debts in Wrong Places”

Posted on Wednesday (December 16, 2009) at 11:45 am to Bankruptcy Humour
Central Islip Bankruptcy Court & Judges
Current Events
Lawyer to Lawyer

Long Island Bankruptcy Court Judge Alan S. Trust enters bankruptcy song contestWritten by Craig D. Robins, Esq.
Our very own bankruptcy judge from Long Island, Alan S. Trust, sitting in the Central Islip Bankruptcy Courthouse in the Eastern District of New York, has entered the Bankruptcy Bill Song Contest
His song is one of nine in the song competition which also includes songs by my wife, Arlene, about being neglected by a hard-working bankruptcy attorney (A Bankruptcy Wife’s Lament), and by me (Debt-Free Girl) about a debt-free girl whose bankruptcy man has eliminated her debts.
Judge Trust, who usually tries to inflect his courtroom proceedings with subtle humour, poked great fun at the means test.  
To get the tune in your head, click on this link to see a version of Friends in Low Places on Youtube.


(To the tune of “Friends in Low Places,” with apologies to Garth Brooks)

To see the actual lyrics, please visit the Bankruptcy Bill site by clicking this link:   “Debts in Wrong Places



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Judge Cancels Mortgage Due to Mortgagee’s Shocking Behavior in Long Island Foreclosure Action

Posted on Tuesday (November 24, 2009) at 8:45 pm to Current Events
Foreclosure Defense
Mortgages & Sub-Prime Mortgage Meltdown

In a Suffolk County Foreclosure Proceeding, the homeowner scored a victory over the lender, IndyMac BankWritten by Craig D. Robins, Esq.
Suffolk County foreclosure proceeding resulting in total cancellation of mortgage spells a major victory for homeowner
A Suffolk County homeowner who fell behind on her mortgage was sued by the mortgagee, IndyMac Bank, in a foreclosure proceeding that just produced one of the most startling results I have ever seen in foreclosure litigation.
The judge determined that the lender engaged in “unconscionable, vexatious and opprobrious” conduct in attempting to foreclose the property.  The judge concluded that the appropriate penalty was to cancel the mortgage in its entirety, essentially punishing the mortgagee and bestowing a windfall on the homeowner.
Thus, the mortgagee, even though they brought the foreclosure action against the homeowner, ended up losing the entire value of the mortgage.
The case, IndyMac Bank v. Yano-Horoski, was decided Novermber 19, 2009 by Suffolk County Supreme Court Justice Jeffrey A. Spinner.
Foreclosure Judge determines that lender’s attitude was absolutely unconscionable
In a stinging and especially eloquent decision, Judge Spinner highlighted the relatively new law in New York which mandates pre-foreclosure settlement conferences between lenders and borrowers of sub-prime loans, and the problems caused by IndyMac’s wantonly-indifferent attitude towards participating in those conferences.
Judge Spinner determined that IndyMac refused to negotiate, and instead, treated the homeowner in a “harsh, repugnant, shocking and repulsive” manner by spurning what he thought could have been a “win-win” situation.
The homeowner, Ms. Yano-Horoski lives in East Patchogue.  She took out a $292,500 mortgage in 2004.
IndyMac Bank refused to cooperate with settlement
The lender apparently refused to participate in any kind of settlement on the ground that the homeowner defaulted on a forbearance agreement.  However, it later came out that the lender did not even mail the forbearance agreement to the homeowner until after payments were due.
The judge stated:  “Defendant, through Plaintiff’s duplicity, found herself to be in unique and uncomfortable position of being placed in default of the ‘agreement’ even before she had received it.”
In addition, the judge blasted Karen Dickinson, the regional loss mitigation manager for IndyMac, stating that she had an “opprobrious demeanor” and a “condescending attitude.”
To make matters worse for IndyMac, they claimed that $527,437 was due when almost all other documents indicated that the amount actually due, was less than $300,000.
The judge concluded that the banks’ conduct was “wholly unsupportable at law or in equity, greatly egregious and so completely devoid of good faith that equity cannot be permitted to intervene on its behalf.”
In addition, Judge Spinner determined that merely sanctioning the lender was not enough and would not benefit the homeowner.
The law firm of Steven J. Baum, who we regularly interact with in our bankruptcy and foreclosure defense practice, represented IndyMac.
Judges have had it with irresponsible lenders’ practices
What is important about this case is that it illustrates the changing tide against mortgagees, lenders and banks.  Whereas years ago mortgagees got away with murder, now judges won’t tolerate any improprieties. 
Thus, there is all the more reason to defend foreclosure proceedings if the lender engaged in any bad faith conduct.  An experienced foreclosure defense attorney can review a foreclosure situation and advise the homeowner of their legal rights.
In a case earlier this year, I personally was successful in having the Nassau County Supreme Court dismiss a foreclosure proceeding on technical grounds.  See Long Island Foreclosure Case Dismissed!
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Can Credit Card Companies Trust the Collection Firms They Hire?

Posted on Wednesday (November 18, 2009) at 9:00 am to Current Events
Debt Negotiation

Another credit card debt collection law firm gets in troubleWritten by Craig D. Robins, Esq.
Law Firm of Bill Collectors Dissolves Amid Law Suits Alleging that the Collection Firm Engaged in Fraud
I previously wrote about debt collector law firms in New York that had gotten in trouble with the law.  Debt Collectors Shut Down by Attorney General .
Now it is coming to light that a large regional collection firm in Georgia crashed and burned amid allegations that the firm failed to file collection law suits on behalf of their clients and also used funds for those suits to pay the firm’s own expenses.
The firm, Trauner, Cohen & Thomas, located in Sandy Springs, Georgia, dissolved after operating for more than 30 years. 
What led to the firm’s demise?  Several of the firm’s clients, who are banks and credit card companies, sued the firm, alleging various gross improprieties.
NCO Financial Systems, (a company I regularly deal with on behalf of my Long Island bankruptcy clients as they purchase massive amounts of delinquent debt), brought suit against the Trauner collection firm alleging that it gave the firm more than $1.3 million to reimburse the firm for filing fees and other expenses of collection suit litigation relating to more than 15,000 lawsuits the firm was to handle on NCO’s behalf.  Instead, the collection firm used the funds for its own operating expenses and inflated it reimbursement requests according to the pleadings.
Midland Credit Management brought another suit on similar grounds, alleging that they were defrauded $1.7 million.  A third suit alleges that the Trauner collection law firm is affiliated with a collection company, National Asset Recovery Inc., and that this company and the law firm defaulted on $1.7 million in loans.  There are even more similar law suits filed by Zenith Acquisition Corp. and Northstar Capital Acquisition.
One wonders if the financial pressures that many of these debt collection firms are suffering from encourages them to take shortcuts and violate consumer rights.  Congress recently issued a scathing report about the illicit practices of bill collectors:  Credit Card Debt Collectors Ripped in Federal Report .
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New Bankruptcy Chapter: Chapter 14 ???

Posted on Tuesday (November 17, 2009) at 7:45 pm to Bankruptcy and Society
Bankruptcy Legislation
Current Events

too-big-to-failWritten by Craig D. Robins, Esq.
Possible New Bankruptcy Chapter for Companies “Too Big To Fail”
We are all familiar with bankruptcy Chapters 7, 11 and 13.  Then there’s Chapter 9 for municipalities, Chapter 12 for farmers, and rather recently, Chapter 15 Bankruptcy  for international insolvency matters.
In an American Bankruptcy Institute Legislative Symposium held today, the panelists discussed whether Congress should add a new chapter to the Bankruptcy Code to handle filings by this country’s largest troubled companies that have recently been in the news as being “too big to fail.”
After the failure of Lehman Brothers and the possible failure of AIG and the big three automakers earlier this year, there has been significant concern about how to handle such large companies.
Daniel Flores, chief Republican counsel for the House Judiciary Committee, suggested that these companies need to be treated specially and that the United States needs to modify its bankruptcy laws so that the largest companies can fail without causing turmoil in this country’s financial system.
Flores advocated for congressional passage of H.R. 3310, which would create a “Chapter 14” to institute a new legal process designed to help restructure troubled non-bank financial holding companies whose collapse would pose a systemic risk to U.S. economic stability. The new chapter would create an oversight board that would bring together the failing company, its creditors and regulators to address complicated financial issues before a bankruptcy filing.
It appears that not all conference presenters were convinced that this new Chapter 14 filing category is  really necessary.
“I don’t know if it’s necessary to have a separate chapter,” said Harvey Miller of Weil Gotshal & Manges, who is the lead bankruptcy attorney for Lehman Brothers. “The Bankruptcy Code now is not perfect, but with some amendments, it could clearly deal with issues of non-bank financial holding companies.”
About the image:  the political cartoon is courtesy of  David Donar, a Clemson University professor who maintains the blog, Political Graffiti .  Although he teaches digital film projection, David has a sharp wit for political satire and uses his political cartoon site to showcase his opinions on all sorts of topics…middle east, US politics, environment, sport, anything news or opinion worthy.  Check it out.
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Credit Card Debt Collectors Ripped in Federal Report

Posted on Friday (November 6, 2009) at 8:00 am to Creditors Engaging in Abusive Bankruptcy Practices
Current Events

Many debt collectors are downright evil!

Many debt collectors are downright evil!

Written by Craig D. Robins, Esq.

Two weeks ago the Government Accounting Office (GAO) issued a scathing report about the illicit practices of bill collectors.  Of course, this is a regular complaint that I hear from my Long Island bankruptcy clients.
The GAO has been asked by Congress to examine federal and state consumer protections statutes to see if they were working.  They concluded that they were not and reported back to Congress that the Fair Debt Collection Practices Act (FDCPA) should be amended to provide consumers with better protection.  Like, tell us something we don’t know!
The Federal Trade Commission (FTC) receives more complaints about bill collectors and the debt collection industry than any other industry.  Last year they received  79,000 complaints on third-party debt collectors.  This is almost 19 percent of all of the complaints it received.
Ongoing abusive practices include trying to collect debt that isn’t owed or is beyond the statute of limitations, making harassing phone calls, threatening to make arrests that the debt collector has no authority to make, and collecting debt discharged in bankruptcy.
I previously wrote about efforts here in New York to deal with the problem of rogue bill collectors:  Debt Collectors Shut Down by Attorney General .
Hopefully, Congress will indeed make the debt collection laws stricter to prevent the abuse that we hear so often.
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Long Island Bankruptcy Attorney Craig D. Robins Speaking at Bar Association Tomorrow

Posted on Monday (October 5, 2009) at 10:45 pm to Current Events
In The News

Long Island Bankruptcy Attorney Craig D. Robins Speaking at Nassau County Bar AssociationWritten by Craig D. Robins, Esq.
Tomorrow I am one of three panelists who will be speaking at the Nassau County Bar Association at a public education seminar.
The program is entitled:  “Is Bankruptcy the Solution?  What it Can and Cannot Achieve”
At the seminar, we will be providing a “plain English” overview of how bankruptcy can help consumers on Long Island.
My fellow panelists include Long Island Chapter 7 bankruptcy trustee Andrew M. Thaler, Esq. and bankruptcy lawyer Heath S. Berger, Esq.
The program is from 7:00 to 9:00 p.m. at the Nassau County Bar Association, 15th and West Streets, Mineola.  The program is free, but advance registration is requested.  Please call the Bar Association at 516-747-4070.  For directions go to the Nassau County Bar Association Website.
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Venerable Huntington Restaurant Able Conklin’s Files for Chapter 11 Bankruptcy Relief

Posted on Saturday (September 12, 2009) at 3:15 am to Chapter 11 Filings on Long Island
Current Events
Long Island Economy

Huntington, New York Restaurant Able Conklin's Files for Chapter 11 Bankruptcy ReliefWritten by Craig D. Robins, Esq.

Able Conklin’s Restaurant, a well-known eclectic steak house in Huntington Village, filed for Chapter 11 protection several weeks ago.
Conklin’s Chop House, Inc., and Original Able’s, Inc., two separate companies which own the restaurant and its liquor license, filed separately for Chapter 11 bankruptcy relief on August 14, 2009 in the Central Islip Bankruptcy Court under case number 8-09-76071 and 8-09-76079.
Debtor’s counsel made an application to jointly administer the two cases which was granted by Judge Robert E. Grossman, who is now the assigned bankruptcy judge for both cases.  One of the cases had originally been assigned to Judge Trust.
The restaurant was established in 1986 in the historic house built by Abel Conklin in 1841.
The restaurant, which is located at 54 New Street, in Huntington, is being represented by Huntington bankruptcy attorney Avrum J. Rosen of Huntington and his associate, Fred S. Kantrow.  The restaurant is located just a few yards from Mr. Rosen’s office.  According to the Statement of Compensation filed pursuant to Rule 2016(b), the debtor paid Mr. Rosen a retainer of $10,000 plus disbursements of $2,078.  The fee application listed Mr. Rosen’s hourly rate at $425 per hour.
According to the debtor’s Chapter 11 statement prepared by the debtor’s manager, Cassie Mernick, an employee of the restaurant for nearly 25 years, “the debtor’s current problems arose when the debtor’s sole shareholder, Dana Riggs, passed away approximately two years ago. Since that time, the Debtor has continued to operate with the shares of the corporation held by the decedent’s estate. Due to financial economic conditions, the debtor failed to remit amounts due to the State of New York Department of Taxation such that a judgment was entered for the approximate amount of $300,000.00.”
The debtor’s assets consist of approximately $105,000 of personal property for both corporations and the debtor’s liabilities are approximately $583,000 for both corporations.  The debtor is being treated as a small business debtor pursuant to the Bankruptcy Code.
The Meeting of creditors will be held on September 25, 2009 at the United States Bankruptcy Court for the Eastern District of New York in Central Islip (Room 562 at 9:00 a.m.), and the first Status Conference before Judge Grossman will be held on October 5, 2009 (Courtroom 860, 1:30 p.m.).
This post is one of a series of posts available on the Long Island Bankruptcy Blog detailing every Chapter 11 bankruptcy case filed in the Central Islip Bankruptcy Court since August 1, 2009.  I will typically post a summary of each Chapter 11 case several days or weeks after it is filed as not all info is available immediately upon filing.  To see a list of Chapter 11 cases profiled on this blog, click Chapter 11 Filings on Long Island or type the name of the debtor in the upper right search box.
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About Us

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