Articles
Author: Christine Thea Rubinstein, Esq.
Selling a Home With a Reverse Mortgage: A New York Seller’s Closing Checklist
A reverse mortgage rarely blocks a sale, but the payoff and title work must be sequenced carefully. A step-by-step checklist for New York sellers and fiduciaries.
Read the articleChapter 7 vs. Chapter 13: Which Bankruptcy Chapter Fits the Situation?
A practical comparison of Chapter 7 liquidation and Chapter 13 repayment for Long Island households, covering eligibility, exemptions, mortgage arrears and timing.
Read the articleEstate Planning for a Second Home in Florida or Another State
An out-of-state house is governed by that state's law. How ancillary probate, Florida homestead rules and domicile questions affect New York families with a second home.
Read the articleJudgments, Frozen Bank Accounts and Wage Garnishment in New York
How New York creditors enforce judgments through account restraints, income executions and liens, and what the exemption rules protect for wages and deposited benefits.
Read the articleNew York Estate Tax vs. Federal Estate Tax: Why Both Matter
New York and federal estate taxes run on separate rules. How the New York cliff works, why portability does not apply here, and what that means for planning.
Read the articleGrounds for Contesting a Will in New York
Disappointment is not a ground. Here are the recognized bases for a New York will contest, who may bring one, and how the Surrogate's Court process actually unfolds.
Read the articleWhat Happens to a Reverse Mortgage After Death? A Guide for Heirs, Executors and Trustees
After a reverse mortgage borrower dies, heirs face two jobs at once: establishing legal authority and answering the servicer. Here is how to run both in parallel.
Read the articleMAPT vs. Life Estate Deed: Which Gives a Family More Flexibility?
Two common ways to handle a New York home in long-term care planning, compared on control, ability to sell, tax basis, creditor exposure and what happens if plans…
Read the articleThe New York Foreclosure Settlement Conference: What to Expect
How mandatory settlement conferences work in New York foreclosure cases, what to bring, what the referee can and cannot do, and why an answer still has to be…
Read the articleEstate Planning for Blended Families and Second Marriages
Second marriages create competing obligations. How New York's elective share, beneficiary designations and joint ownership can quietly rewrite a blended family's plan.
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