Law Offices of Michael A. Cervini

Law Offices of Michael A. Cervini Serving the legal needs of New York for over 30 years, our office intends to make sure your case is

While Chapter 7 and Chapter 13 bankruptcies can remain on credit reports for up to 10 years, your borrowing options impr...
09/04/2026

While Chapter 7 and Chapter 13 bankruptcies can remain on credit reports for up to 10 years, your borrowing options improve over time. Using secured credit cards and credit-builder loans can help restore your score and secure better loan terms.

Bankruptcy hurts your credit and may make it difficult to qualify for a personal loan — although it’s not impossible.

A divorce decree outlines who pays specific debts, but creditors aren't bound by family court orders. If your name stays...
09/04/2026

A divorce decree outlines who pays specific debts, but creditors aren't bound by family court orders. If your name stays on a joint credit card, late payments can still impact your credit score. Learn how to protect your financial standing during divorce:

Ending a marriage doesn't always end the financial responsibility you have for shared credit card obligations.

Getting divorced later in life? A "gray divorce" requires unraveling decades of shared financial planning. From updating...
09/02/2026

Getting divorced later in life? A "gray divorce" requires unraveling decades of shared financial planning. From updating beneficiaries to tracking down all marital assets, here are the three critical financial moves you must make to protect your retirement.

Not all marriages are "happy ever after." Many couples are divorcing later in life, forcing older adults to rebuild retirement plans after sharing finances.

Settling past-due accounts can help resolve severe delinquencies, but timing and debt size matter. Before negotiating wi...
09/01/2026

Settling past-due accounts can help resolve severe delinquencies, but timing and debt size matter. Before negotiating with creditors or hiring a settlement firm, know your rights under federal credit reporting guidelines to protect your financial recovery.

Learn how debt settlement can impact your credit score and discover strategies to minimize negative effects on your financial health.

A bankruptcy discharge gives you a fresh start, but rebuilding your credit takes proactive steps. From checking credit r...
08/28/2026

A bankruptcy discharge gives you a fresh start, but rebuilding your credit takes proactive steps. From checking credit reports for discharged account errors to opening secured credit tools, taking control helps restore long-term stability.

https://www.experian.com/blogs/ask-experian/how-to-recover-from-bankruptcy/?

Recovering from bankruptcy takes time. Learn how to rebuild credit, manage money and create a stronger financial foundation.

Navigating a military divorce involves unique federal guidelines, such as the Uniformed Services Former Spouses' Protect...
08/28/2026

Navigating a military divorce involves unique federal guidelines, such as the Uniformed Services Former Spouses' Protection Act (USFSPA). From military pension division to healthcare eligibility, understanding these rules helps protect both parties.

Learn more: https://www.militaryonesource.mil/relationships/separation-divorce/divorced-military-spouse-rights-benefits/?

Learn about your rights and unique legal issues for divorced spouses due to military service. Here are some items to consider as you move through this process.

Domestic violence can affect anyone in any relationship. Securing medical care, creating a safety plan, preserving evide...
08/26/2026

Domestic violence can affect anyone in any relationship. Securing medical care, creating a safety plan, preserving evidence, and exploring protective orders are essential steps to protect your health and legal rights.

Intimate partner violence, or domestic violence, can be difficult to see if it starts little by little, if your partner says they love you

After a vehicle collision, understanding your rights regarding compensation for medical expenses and lost earnings can i...
08/26/2026

After a vehicle collision, understanding your rights regarding compensation for medical expenses and lost earnings can impact your overall recovery. Knowing when a claim involves complex issues like permanent injury or disputed fault helps protect your financial well-being.

Expert accident resources built on real first responder experience from firefighters and paramedics.

Are you responsible for a deceased family member's debts? Unless you co-signed or shared the account, debts are generall...
08/25/2026

Are you responsible for a deceased family member's debts? Unless you co-signed or shared the account, debts are generally paid from the estate—not your personal funds. Learn how to protect your rights when debt collectors call.

When a loved one dies, you may learn about debts they owed before they died. You may not recognize these debts. If you are a surviving spouse or family member, you may even wonder if that debt now belongs to you. This is a very common experience among survivors.

A divorce decree doesn't automatically remove your name from a joint mortgage. To protect your credit and financial inde...
08/21/2026

A divorce decree doesn't automatically remove your name from a joint mortgage. To protect your credit and financial independence, options like refinancing, spousal buyouts, or selling the home must be explicitly addressed in your settlement.

Read the guide:

One of the biggest decisions splitting couples face is what to do with their home. Here’s what to know about divorce and your mortgage.

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33-12 86th Street
Jackson Heights, NY
11372

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Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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