Law Offices of Michael A. Cervini

06/05/2026

Federal law strictly prohibits debt collectors from revealing your debt to third parties like family, friends, or your employer, limiting contact with them solely to verifying your location details. Additionally, collectors are forbidden from calling your workplace entirely if you notify them that your employer bans personal calls.

Debt collectors can’t disclose your debt to others. They can only contact others to find your address, phone number, or workplace. Learn your rights and limits.

06/05/2026

If you were married for at least 10 years and are age 62 or older, you may be eligible to collect Social Security benefits based on your ex-spouse's earnings history. Filing for these benefits will not notify your ex-spouse or reduce their monthly payments, making it a critical asset to evaluate when navigating a divorce.

The end of a marriage doesn’t necessarily end eligibility for family benefits

06/03/2026

While both annulments and divorces end a marriage, they have very different legal requirements and consequences. Learn more about the key differences and the circumstances under which each option may apply.

Compare annulment vs. divorce—understand the legal differences and determine which option suits your situation. Get expert insights with MetLife.

06/02/2026

A bankruptcy discharge permanently releases you from personal liability for specific debts, legally forbidding creditors from taking further collection actions. However, certain obligations like child support and tax claims cannot be wiped out, making it essential to consult a bankruptcy attorney to safely navigate the filing process. https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/discharge-bankruptcy-bankruptcy-basics

05/29/2026

Are debt collectors blowing up your phone, tracking you down on social media, or calling your workplace? Under the FDCPA, you have the right to demand they stop - but stopping the calls doesn't make the debt vanish. If you are tired of playing defense against aggressive collection agencies, let us help you go on offense with a comprehensive bankruptcy strategy. Check out your rights below.

The Fair Debt Collection Practices Act protects you from unfair tactics like threats or calls at odd hours. Know your rights and how to handle FDCPA violations.

05/29/2026

Facing divorce? These seven steps can help you stabilize finances and plan for the future — from taking an inventory to updating estate documents and assessing housing and retirement choices.

Separating finances after divorce

05/27/2026

Many parents confuse the concept of co-parenting with the legal reality of joint custody. Co-parenting is the daily teamwork required to raise your children, but joint custody is the strict court order that dictates your legal decision-making power. Do not leave your parental rights to chance. Read our guide on how family courts define these boundaries and contact our firm today.

Explore the essentials of law about co-parenting, from different types and legal requirements to how agreements can be updated. Dive into a complete guide.

05/27/2026

Knowing what to do immediately after a car accident—such as contacting the police, documenting the scene, and exchanging information—is critical to protecting your physical safety and insurance recovery. If you are dealing with severe injuries, disputed fault, or a hit-and-run driver, consult a personal injury attorney to safely navigate the claims process and protect your rights.

Even a minor car accident can cause major stress. Here's what to do after a crash—whether it's your fault or the other driver's

05/26/2026

Want better loan rates or to avoid surprises when renting or applying for a job? Pull your credit reports from all three bureaus, check for mistakes (wrong accounts, duplicate debts, or unknown addresses), and dispute errors promptly. Here’s a quick guide:

Understanding what is in a credit report and how to read it can help you better manage your finances. Learn how to get your credit report and spot errors on it.

05/22/2026

An emergency (or “skeleton”) bankruptcy petition can quickly trigger an automatic stay to halt foreclosure or repossession, but you must file required follow‑up schedules and statements—typically within 14 days—so consult a bankruptcy attorney or your local court rules before filing. https://www.justia.com/bankruptcy/emergency-bankruptcy/