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Attorney Kimberly Berson

Attorney Kimberly Berson

Bankruptcy Attorney

Kimberly Berson is an attorney with over twenty-five years of legal experience and a specialty in bankruptcy law and bankruptcy litigation. Additionally, Kim is an instructor in the paralegal certificate program at Hofstra Law School where she teaches Bankruptcy Law, Contracts Law and Legal Research and Writing. She has also served as an adjunct professor of legal studies at Frank G. Zarb Business School at Hofstra University. While in law school, Kim began her career in the bankruptcy field interning for a bankruptcy judge. After she graduated law school, Kim’s first position was working for a panel Chapter 7 trustee. Kim c3ontinued to focus her practice in bankruptcy law and has represented interests in all aspects of bankruptcy and insolvency-related cases and litigation. She has represented small business Chapter 11 debtors, consumer Chapter 7 and Chapter 13 debtors, Chapter 7 panel trustees as well as secured and unsecured creditors. Kim also has significant litigation experience representing plaintiffs and defendants in bankruptcy-related matters. Kim earned a Juris Doctor at Touro Law Center and a Bachelor of Arts in Political Science at Binghamton University.

All ArticlesConsumer RightsDebtsHousingProperty ExemptionsTaxes

Articles written by Attorney Kimberly Berson

Underwater on a Mortgage | What To Know

It is possible to owe more money on a house than what the house is actually worth. This is called being underwater on your mortgage. If you are underwater on your mortgage, there are things you should know about the risks and options you have for refinancing or selling your house.

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What Does a Foreclosure Notice Mean?

If you miss several mortgage payments, you will be at risk of losing your home through a foreclosure sale. If you receive a notice of foreclosure, it’s a good idea to take steps to save your home. Learn more about foreclosures, what happens when you receive a foreclosure notice, and what steps you can take to save your home from a foreclosure sale.

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4 Things To Know About Defaulting on Your Mortgage

What is a mortgage default? What happens when you default on your mortgage? What can you do if you have missed payments to a mortgage lender? Homeowners experiencing financial hardship are struggling with these questions. This article discusses what you need to know about defaulting on your mortgage.

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Pros and Cons of Debt Consolidation Using Home Equity

Tapping into your home equity to consolidate your debt is an important financial decision. Borrowing from your home equity to consolidate your debt to one monthly payment at a lower interest rate may seem like a win-win situation. But, there are serious disadvantages too. If you run into trouble making the monthly payments on your home equity loan, you risk losing your home. So, before taking this step, review the pros and cons of a home equity loan to see if this is the best option for you.

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Short Sales 101

Thinking about selling your home to avoid foreclosure? Worried because you owe more than the house is worth? You may be able to do a short sale. In a short sale, the sale price is not enough to pay off the balance due on the loan. So, you’ll need to have the short sale approved before you can sell the house and remove the lien.

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What Happens If I Can’t Pay My Taxes?

Tax debt is a debt that keeps growing. The IRS has payment options available for those who are struggling. The quicker you resolve your issues with the IRS, the better off you will be. This article discusses the financial consequences of not paying taxes and tax payment options available to you if you can’t afford your tax bill right now.

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Missed Mortgage Payments

Failing to make payments puts you at risk of losing your home. But we have good news. Help is available to you if you can’t pay for your mortgage. But, it is important to explore these options as soon as mortgage payments are missed. Quickly taking advantage of one of these options could help you to save your home.

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When Do You Have To Pay Back Unemployment?

In most situations, you won’t need to pay back unemployment benefits. If you meet the eligibility requirements, the benefits are yours. That said, there are some exceptions, such as in the event of an overpayment. You’re also usually required to pay taxes on the unemployment benefits you receive. This article will explain how unemployment benefits work and when you might be required to pay some of your benefits back.

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How Maryland’s Debt Collection Laws Protect You

Debt collectors are allowed to collect, but they can’t do whatever they want to get you to pay. The federal Fair Debt Collection Practices Act protects you against unfair harassment from debt collectors. Maryland state law provides you with even more safeguards. Maryland regulates the conduct of anyone who is seeking to collect a debt, not just those who are in the business of debt collecting. Read more to learn how the Maryland Consumer Debt Collection Act can protect you from the abusive behaviors of debt collectors.

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Know Your Rights Under Massachusetts Debt Collection Laws

Debt collection isn’t without limits. Federal laws and state laws protect consumers from abusive debt collection practices. Massachusetts debt collection laws offer significant protections to Massachusetts residents from the deceptive acts of debt collectors. This article outlines the rights of Massachusetts residents who are dealing with debt collectors.

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What To Do if Debt Collectors Threaten You With Legal Papers

Has a debt collection agency threatened you with legal papers? They hope this will scare you into paying up as fast as you can but is this threat real? What can you do if you can't pay the debt? Federal law limits actions that a debt collector can take. This article discusses what you can do if a debt collector has promised to start a debt collection lawsuit.

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When can debt collectors call?

When you are getting calls from a debt collector, it is crucial to know your rights and what to do. The Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits third-party debt collectors from engaging in abusive, unfair, or deceptive debt collection practices when collecting consumer debts. Read more to learn what debt collection practices are illegal and what you can do to protect yourself.

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Getting Out Of Medical Debt

Medical debt can sometimes seem overwhelming, but there are things you can do to resolve it. Learn how medical debt can affect you in the long run, how to negotiate and set up a repayment plan, and what forms of assistance could help you pay for medical costs. Also, find out if filing for bankruptcy could help you to discharge your medical debt.

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Mortgage Forbearance Agreements

A forbearance agreement gives a borrower a pause from having to make mortgage payments for a short time. The lender then agrees to give up its rights to foreclose on the property during this pause. This article discusses what a mortgage forbearance agreement is and how it may be able to help homeowners facing challenging financial circumstances.

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What Happens If I Don’t File Tax Returns?

What happens if you can’t file tax returns by the filing deadline? This article discusses how failure to file tax returns by the filing deadline can create a costly tax situation. It will also offer guidance for those who have already missed a critical deadline.

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Do Collection Agencies Ever Give Up on Debt Collection?

Professional debt collectors and collection agencies make money by collecting money. If they don’t collect, they don’t make money. So, they can be relentless and rarely give up. That’s why it’s important to know your rights if you are being pursued by a debt collector and to understand what options are available to you.

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.


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