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What Is a Reasonable Settlement Offer? What If You Only Receive a Low Settlement Offer?

October 5, 2026

What Is a Reasonable Settlement Offer? What If You Only Receive a Low Settlement Offer? It can be extremely stressful to be hurt in a vehicle accident, slip and fall, or other unforeseen circumstance. Medical bills start adding up, you may miss work, you may not know whether the insurance company will actually do the […]

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AUTHOR YURIY MOSHES

Founding Member of Moshes Law, P.C.

During his years of practice, YURIY MOSHES has concentrated in litigation and real estate transactions as his areas of expertise.

What Is a Reasonable Settlement Offer? What If You Only Receive a Low Settlement Offer?

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What Is a Reasonable Settlement Offer? What If You Only Receive a Low Settlement Offer?

Yuriy Moshes October 5, 2026 5:10 am

What Is a Reasonable Settlement Offer? What If You Only Receive a Low Settlement Offer? It can be extremely stressful to be hurt in a vehicle accident, slip and fall, or other unforeseen circumstance. Medical bills start adding up, you may miss work, you may not know whether the insurance company will actually do the right thing. Then you get a settlement offer – and you are starting asking: “Is this a fair amount? Or is this offer low?” This guide walks you through what a reasonable settlement offer seems like, what to do in case you receive a low agreement offer, and a way

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How to Win a Wrongful Foreclosure Case and Calculate Your Damages

Yuriy Moshes October 1, 2026 9:45 am

How to Win a Wrongful Foreclosure Case and Calculate Your Damages One of the most worrying conditions a homeowner may work through is foreclosure. The looming danger of dropping your property can lead to emotions of hysteria and helplessness. However, knowing your prison rights is crucial. If you suspect that your foreclosure may be wrongful, taking movement can shield your property and financial future. In this guide, we’ll discover a way to win a wrongful foreclosure case with the help of a foreclosure lawyer and correctly calculate your damages, empowering you to navigate this complex procedure efficiently. AUTHOR YURIY MOSHES, ESQ Founding Member of Moshes

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Common Quitclaim Deed Mistakes and How to Avoid Them

Yuriy Moshes September 28, 2026 11:33 am

Common Quitclaim Deed Mistakes and How to Avoid Them When transferring property ownership, many people look to a quitclaim deed as a fast and reputedly truthful answer. However, as our Quitclaim Deed Attorneys at Moshes Law often warn, this simple document can be riddled with complexities if not dealt with well. Agreeing that property transfers are the most important life decisions, you want the process to be smooth and stress-free. The promise is that this article will help you to know the common mistakes to avoid, providing essential guidance for anyone considering a quitclaim deed. In this blog, we are able to overview the most

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Can the seller pay closing costs? A real estate attorney weighs in

Yuriy Moshes September 16, 2026 11:05 am

Can the seller pay closing costs? A real estate attorney weighs in When it comes to real estate transactions, the topic of closing costs is one of the most frequently misunderstood aspects of the process. Many buyers and sellers alike wonder: Can the seller pay closing costs? The answer is yes—but with some important nuances. In this blog, a seasoned real estate attorney in New York explains how seller-paid closing costs work, what’s allowed under different loan types, and what to know before making or accepting such a request. AUTHOR YURIY MOSHES, ESQ Founding Member of Moshes Law, P.C. During his years of practice, Yuriy

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What are my rights if my name is on a deed but not the mortgage?

Yuriy Moshes August 25, 2026 1:22 am

What are my rights if my name is on a deed but not the mortgage? Understanding the difference between being listed on the deed and being responsible for the mortgage is crucial when determining your legal rights and financial obligations. If your name is on the deed but not the mortgage, you legally own the home—but you may not be liable for repaying the loan. At Moshes Law, we regularly help clients resolve these often-overlooked issues of ownership and liability in New York real estate. Two spouses on the deed, but only one on the mortgage. One spouse on the deed, but two on the

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Can Your Employer Take or Ban Your Personal Cell Phone?

Yuriy Moshes July 15, 2026 11:08 am

Can Your Employer Take or Ban Your Personal Cell Phone? If a manager has ever told you to hand over your phone, lock it in a locker, or simply banned it from the floor entirely — you have probably wondered whether they can actually do that. The honest answer is: it depends on what they are asking you to do. Your employer can ban phone use during working hours, require you to store your phone in a locker, and discipline you for violating that policy. Those are all generally legal. What they cannot do is permanently take your phone, search through it without your consent,

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Mistakes That Can Reduce Your Personal Injury Settlement in New York

Yuriy Moshes July 15, 2026 6:43 am

Mistakes That Can Reduce Your Personal Injury Settlement in New York The biggest mistakes that lower a personal injury settlement in New York happen in the first few days and weeks after an accident, not during negotiations. Delayed medical care, careless statements to an adjuster, social media posts, and rushing to accept the first number offered are among the most common — and most avoidable. AUTHOR YURIY MOSHES, ESQ Founding Member of Moshes Law, P.C.During his years of practice, Yuriy has concentrated in litigation and real estate transactions as his areas of expertise Worried a Mistake Has Already Hurt Your Claim? It’s not too late

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Equal Pay Act Explained: What It Really Means for New York Employees (2026 Guide)

Yuriy Moshes July 15, 2026 6:14 am

Equal Pay Act Explained: What It Really Means for New York Employees (2026 Guide) The Equal Pay Act of 1963 is a federal law that requires employers to pay men and women equally when they are doing substantially equal work. In practice, this means that if two employees are performing the same core job duties — requiring similar skill, effort, and responsibility — their pay should not differ based on gender. This law applies across the United States, including New York, and remains one of the key protections against wage discrimination in the workplace. AUTHOR YURIY MOSHES, ESQ Founding Member of Moshes Law, P.C. During

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Forged Signature on a Loan Modification: What It Means and What to Do

Yuriy Moshes July 10, 2026 5:38 am

Forged Signature on a Loan Modification: What It Means and What to Do A forged signature on a loan modification is fraud — the agreement is legally unenforceable. However, the forgery must be proven. If you suspect your signature was forged on a mortgage document, acting quickly and retaining an experienced forgery attorney is critical to protecting your home and finances.  AUTHOR YURIY MOSHES, ESQ Founding Member of Moshes Law, P.C.During his years of practice, Yuriy has concentrated in litigation and real estate transactions as his areas of expertise Think Your Signature Was Forged? Get Legal Help Today A forged signature can put your home,

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How Pain and Suffering Damages Are Calculated in New York Injury Cases

Yuriy Moshes July 8, 2026 7:23 am

How Pain and Suffering Damages Are Calculated in New York Injury Cases Medical bills and lost paychecks are easy to add up. Pain is not. Yet pain and suffering often makes up a substantial share of a New York personal injury recovery — sometimes more than the economic damages themselves. There is no invoice for chronic back pain or a line item for the loss of being able to pick up your own children. That does not mean these damages are guesswork. New York courts, insurance adjusters, and attorneys rely on established methods and comparable case data to place a dollar value on non-economic harm.

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Workplace Retaliation Lawyer in New York: Employee Rights & Retaliation Lawsuits

Yuriy Moshes July 6, 2026 3:42 pm

Workplace Retaliation Lawyer in New York: Employee Rights & Retaliation Lawsuits Employees in New York have the right to report unlawful workplace conduct without fear of punishment. However, workplace retaliation remains one of the most common employment law issues affecting workers across New York City and throughout the state. Many employees experience retaliation after reporting discrimination, sexual harassment, unpaid wages, unsafe working conditions, or other unlawful conduct. In some cases, retaliation is obvious, such as termination shortly after a complaint is filed. In others, employers use more subtle tactics, including demotions, reduced hours, hostile treatment, or sudden disciplinary action. Under both New York and federal

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FLSA Collective Action vs. New York Labor Law Class Action: The Complete Guide to Hybrid Wage Lawsuits (2026)

Yuriy Moshes July 6, 2026 7:06 am

FLSA Collective Action vs. New York Labor Law Class Action: The Complete Guide to Hybrid Wage Lawsuits (2026) A hybrid wage lawsuit combines two legal claims in one case: an FLSA collective action, where workers must opt in, and a New York Labor Law (NYLL) class action, where workers are automatically included unless they opt out. New York federal courts allow both to run together when they arise from the same employer conduct — giving workers the broadest possible protection and recovery. AUTHOR YURIY MOSHES, ESQ Founding Member of Moshes Law, P.C. During his years of practice, Yuriy has concentrated in litigation and real estate

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What If the Insurance Company Refuses to Settle Your Personal Injury Claim

Yuriy Moshes July 3, 2026 11:42 am

What If the Insurance Company Refuses to Settle Your Personal Injury Claim You file the claim. You send the records. You wait. And then- nothing happens. No real offer, no honest back-and-forth — just delays, vague denials, or an adjuster who stopped returning your calls weeks ago. If this sounds familiar, you’re not imagining things, and you’re not alone. A lot of injury victims hit this wall at some point, and it’s one of the more frustrating stages of a claim because it doesn’t feel like progress in any direction. Below, we’ll walk through why this happens, what New York law actually requires of insurers,

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Wrongful Termination in New York: Can You Sue Your Employer After Being Denied Unemployment Benefits?

Yuriy Moshes July 3, 2026 7:21 am

Wrongful Termination in New York: Can You Sue Your Employer After Being Denied Unemployment Benefits? Losing your job can be overwhelming, especially if your application for unemployment benefits is also denied. Many employees assume that if the New York Department of Labor determines they are ineligible for benefits, they automatically lose the right to take legal action against their former employer. Fortunately, that is not how New York law works. In many situations, employees may still have the right to pursue a wrongful termination  claim even after being denied unemployment benefits. This is because unemployment proceedings and wrongful termination lawsuits serve different purposes and apply

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Settlement vs Trial in New York Personal Injury Cases: Which Leads to Higher Compensation?

Yuriy Moshes June 29, 2026 6:48 am

Settlement vs Trial in New York Personal Injury Cases: Which Leads to Higher Compensation? When a personal injury claim reaches a crossroads, one question tends to dominate everything else: should you settle or take the case to trial? It sounds like a simple choice. In reality, it is one of the most consequential decisions an injured person will face. The answer depends on the strength of your evidence, the severity of your injuries, how far apart both sides are on value, and honestly — how much uncertainty you can tolerate. This guide breaks down both paths clearly so you can understand what each one actually

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New York’s New Pied-à-Terre Tax: What Is It and What Does It Mean for the City?

Yuriy Moshes June 25, 2026 1:44 pm

New York’s New Pied-à-Terre Tax: What Is It and What Does It Mean for the City? New York has done something it has talked about for over a decade — it has finally passed a pied-à-terre tax. On May 28, 2026, Governor Kathy Hochul signed the 2026–2027 New York State Budget into law, and tucked inside it was a measure already reshaping conversations across the city’s luxury real estate market: an annual surcharge on high-value residential properties that are not used as a primary residence. If you own a second home in New York City — or you are thinking of buying one — here

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Can Insurance Companies Withdraw a Settlement Offer in New York?

Yuriy Moshes June 16, 2026 11:09 am

Can an Insurance Company Take Back a Settlement Offer in New York? Yes. In New York, an insurance company can withdraw a settlement offer at any time before you formally accept it and sign a release. Once you sign the release agreement, the offer becomes binding and the insurer cannot take it back. Until that moment, the offer can be changed, lowered, or pulled entirely. Knowing when insurers use this right — and what triggers it — can protect your position before you respond to any offer. AUTHOR YURIY MOSHES, ESQ Founding Member of Moshes Law, P.C. During his years of practice, Yuriy has concentrated

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Signs the Insurance Company Is Offering Less Than Your Injury Claim Is Worth (New York Guide)

Yuriy Moshes June 10, 2026 6:20 am

Signs the Insurance Company Is Offering Less Than Your Injury Claim Is Worth (New York Guide) Seven signs your settlement offer is likely too low include a fast offer, missing future medical costs, ignored lost wages, minimized injuries, undervalued pain and suffering, dismissed evidence, and pressure to settle quickly. When combined, these often indicate an undervalued personal injury claim under New York law. AUTHOR YURIY MOSHES, ESQ Founding Member of Moshes Law, P.C.During his years of practice, Yuriy has concentrated in litigation and real estate transactions as his areas of expertise Think your settlement offer is too low? Accepting a low settlement too soon could

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ADEA Waiver Requirements: Rules for Valid Severance Agreements

Yuriy Moshes June 8, 2026 4:01 am

What Are the ADEA Waiver Requirements for a Valid Severance Agreement? When an employer offers a severance agreement, the document may include a provision requiring the employee to waive certain legal claims against the company. For employees age 40 and older, waivers involving age discrimination claims are subject to special federal requirements under the Age Discrimination in Employment Act (ADEA). An ADEA waiver cannot simply be included in a severance agreement and automatically become enforceable. Federal law establishes specific requirements designed to ensure that employees understand the rights they may be giving up and have sufficient time to make an informed decision. These protections are

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NYC Lunch Break Law Explained: Employee Rights Under New York Labor Law Section 162

Yuriy Moshes June 3, 2026 11:10 am

NYC Lunch Break Law Explained: Employee Rights Under New York Labor Law Section 162 Most employees in New York assume lunch breaks are automatically guaranteed, but the reality is often more complicated. Many workers are unsure what they are legally entitled to and what their employer is actually required to provide under New York law. This confusion leads to common workplace situations like skipped meals, interrupted breaks, or employees continuing to work while “on lunch” without realizing it may violate labor laws. Under New York Labor Law Section 162, employers are required to provide meal breaks based on the length of an employee’s shift. While

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Should You Accept the First Settlement Offer After an Accident in New York?

Yuriy Moshes June 3, 2026 6:43 am

Should You Accept the First Settlement Offer After an Accident in New York? After an accident, receiving a settlement offer from an insurance company can feel like a relief. Medical bills may be arriving, time away from work may be affecting your income, and you may simply want to move forward with your life. When an insurance company presents an early offer, many accident victims ask the same question: Should you accept the first settlement offer after an accident? In most New York personal injury cases, the answer is not always straightforward. While some early settlement offers may be reasonable, many are made before the

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What Happens When a Seller Breaches a Real Estate Contract

Yuriy Moshes May 28, 2026 8:15 am

What Happens When a Seller Breaches a Real Estate Contract Buying a home is one of the most significant financial decisions a person can make. In markets like New York and New Jersey, real estate transactions move quickly, and buyers often assume that once a contract is signed, the deal is guaranteed. However, in practice, a breach of real estate contract by the seller can still occur between contract signing and closing. When this happens, buyers may face financial losses, delays, and legal uncertainty. In 2026, courts continue to strongly enforce valid real estate contracts, especially where buyers act in good faith. This guide explains

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What Happens If You Reject a Personal Injury Settlement Offer in New York?

Yuriy Moshes May 27, 2026 7:00 am

What Happens If You Reject a Personal Injury Settlement Offer in New York? After an accident, receiving a settlement offer from an insurance company can feel like a major turning point. Many injury victims wonder whether accepting the offer immediately is the safest option or whether rejecting it could lead to better compensation later. In New York personal injury cases, rejecting a settlement offer does not automatically end your claim. In many situations, negotiations continue while the insurance company reassesses the value of the case. Insurance carriers often make early offers before the full extent of an injury is fully understood. This is especially common

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Real Estate Contract NYC: What You Must Know Before Signing

Yuriy Moshes May 21, 2026 5:03 am

Real Estate Contract NYC: What You Must Know Before Signing Buying or selling real estate in New York City is one of the most important financial decisions you will ever make. While many people focus on the closing process, the reality is that the most critical legal step happens earlier—when the contract is signed. At that moment, the deal shifts from negotiation to a legally binding agreement. Your rights, obligations, and risks all begin to take effect. Understanding how a real estate contract NYC works before signing is essential to avoid costly mistakes and protect your rights. To better understand the overall  home buying process

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Partition Action vs Buyout in New York: Which Option Is Better

Yuriy Moshes May 20, 2026 7:51 am

Partition Action vs Buyout in New York: Which Option Is Better When co-owners disagree over a property in New York, the conflict usually reaches a point where one major question must be answered: should one owner buy out the other, or is a partition action the better solution? This situation is common in inherited homes, jointly purchased investment properties, and real estate owned after divorce or family disputes. In many cases, both owners have equal rights to the property, but completely different goals. One may want to keep the property, while the other wants to sell and move on. Although both options can resolve a

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NYC Fair Chance Act Explained (2026): Ban the Box Rules & Employer Compliance Guide

Yuriy Moshes May 18, 2026 6:24 am

NYC Fair Chance Act Explained (2026): Ban the Box Rules & Employer Compliance Guide Hiring decisions in New York City have become more regulated over the years to ensure fairness for job applicants with criminal records. One of the most important reforms in this area is the New York City Fair Chance Act, commonly referred to as the Ban the Box law. The purpose of this law is to prevent employers from automatically screening out candidates based on their criminal history before they are fairly evaluated for their skills, experience, and qualifications. Instead of allowing early-stage discrimination, the law requires a structured hiring process where

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Can You Sell Your Share of a Jointly Owned Property in New York?

Yuriy Moshes May 15, 2026 5:50 am

Can You Sell Your Share of a Jointly Owned Property in New York? Yes, you can usually sell your share of a jointly owned property in New York without the other owner’s permission. However, while the law allows it, the process is rarely as simple as many people expect. Co-owned properties often create legal and financial complications—especially when owners disagree about selling, living arrangements, expenses, or future plans. In some situations, one owner wants to move on while the other prefers to keep the property. That difference alone can lead to delays, disputes, and legal action. Whether the property was inherited, purchased with a partner,

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Retaliation for Reporting Workplace Injuries or Safety Violations in NYC

Yuriy Moshes May 12, 2026 11:13 am

Retaliation for Reporting Workplace Injuries or Safety Violations in NYC Employees have the legal right to report unsafe working conditions, workplace hazards, and job-related injuries without fear of punishment or retaliation. Under federal law, employers cannot legally fire, discipline, intimidate, or otherwise punish workers simply because they raised concerns about workplace safety. These protections are primarily enforced under the Occupational Safety and Health Act (OSHA Act), which is overseen by the Occupational Safety and Health Administration (OSHA). The law is intended to encourage employees to report dangerous workplace conditions before serious injuries occur and to ensure that workers can speak up without risking their jobs.

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What Are Your Rights If You Own 50% of a Property in New York?

Yuriy Moshes May 6, 2026 9:36 am

What Are Your Rights If You Own 50% of a Property in New York? Owning 50% of a property in New York gives you a strong legal position—but it doesn’t give you full control. In practice, equal ownership often creates a situation where both owners have rights, yet neither can make major decisions alone. This becomes clear in real-life scenarios. One owner may want to sell, while the other prefers to hold. One may want to live in the property, while the other sees it as a long-term investment. These differences are where most co-ownership disputes begin. Whether the property was inherited, jointly purchased, or

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Partition Action Timeline in New York: Step-by-Step Process, Delays & How to Speed It Up

Yuriy Moshes April 29, 2026 7:19 am

Partition Action Timeline in New York: Step-by-Step Process, Delays & How to Speed It Up Most articles will tell you that the partition action timeline New York falls somewhere between 6 months to over 2 years. But that answer alone doesn’t explain what actually happens during that time—or why some cases move faster than others. In reality,  how long a partition action takes depends on several factors, including court backlog in NYC, disputes between co-owners, financial complications, and how efficiently the legal process is handled. Some cases resolve relatively quickly, while others take much longer due to delays and disagreements. Based on typical New York

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What Is a Partition Action in New York and How Does It Work?

Yuriy Moshes April 22, 2026 11:29 am

What Is a Partition Action in New York and How Does It Work? A partition action in New York is a legal process that allows a co-owner to ask the court to divide or sell a jointly owned property when there is a dispute. In most cases, especially in New York City, the court orders a sale of the property and distributes the proceeds based on ownership shares. AUTHOR YURIY MOSHES, ESQ Founding Member of Moshes Law, P.C. During his years of practice, Yuriy has concentrated in litigation  and real estate transactions as his areas of expertise Need Help With a Partition Action in New

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Can A Co-Owner Force The Sale Of A Property In New York? (NYC Legal Guide 2026)

Yuriy Moshes April 15, 2026 5:28 am

Can a Co-Owner Force the Sale of a Property in New York? (NYC Legal Guide 2026) Yes, a co-owner can force the sale of a property in New York. If co-owners cannot agree on what to do with the property, one owner can take legal action and ask the court to order a sale so that each party receives their fair share. In New York  real estate law, co-owners have equal rights to the property, and courts can intervene to ensure a fair outcome. AUTHOR YURIY MOSHES, ESQ Founding Member of Moshes Law, P.C.During his years of practice, Yuriy has concentrated in litigation and real

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New York Giants Owners Transferring Stake to Trusts | Tisch Family Moves in 2026

Yuriy Moshes April 8, 2026 6:16 am

New York Giants Owners Transferring Stake to Trusts | Tisch Family Moves in 2026 Recent reports have revealed an important shift in New York Giants ownership, as the Tisch family explores transferring a portion of its stake into trusts for the next generation. This move, while rooted in internal family planning, has drawn attention across both sports and legal communities. The ownership of the New York Giants has long been shared between two prominent families, making any structural change noteworthy. However, this is not a sale or exit—it is a strategic adjustment designed to secure long-term control and continuity. At its core, this decision reflects

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Can Social Media Hurt Your Personal Injury Claim? What You Must Know

Yuriy Moshes March 31, 2026 6:59 am

Can Social Media Hurt Your Personal Injury Claim? What You Must Know In today’s digital age, social media plays a huge role in our lives. From sharing photos to posting updates about daily activities, many people don’t think twice before hitting “post.” However, if you are involved in a personal injury claim in New York City , your online activity could significantly affect your case. Insurance companies, opposing lawyers, and courts increasingly monitor social media for evidence that can support or undermine claims, especially during the insurance claims process. This blog explains how social media impacts personal injury claims, what counts as evidence, real-life examples,

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Traumatic Brain Injury (TBI) Law Firms: Understanding the Process for New Yorkers

Yuriy Moshes March 26, 2026 5:49 am

Traumatic Brain Injury (TBI) Law Firms: Understanding the Process for New Yorkers Traumatic brain injuries (TBI) are among the most severe and life-altering injuries a person can experience. For residents of New York, understanding both the medical and legal aspects of a TBI is essential, particularly when seeking compensation for medical expenses, lost wages, and long-term care. Hiring an experienced  traumatic brain injury lawyer can make the difference between a fair settlement and a prolonged legal battle. This guide provides an in-depth look at TBI, the legal process, compensation factors, and how New Yorkers can navigate personal injury claims effectively. AUTHOR YURIY MOSHES, ESQ Founding

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What is a Catastrophic Injury? A Guide to the Legal Definitions

Yuriy Moshes March 19, 2026 12:34 pm

What is a Catastrophic Injury? A Guide to the Legal Definitions A catastrophic injury is a severe injury that results in permanent disability, long-term medical complications, or significant loss of bodily function, often preventing a person from working or living independently. In  personal injury law, it is legally defined as an injury that creates lifelong consequences, requiring ongoing treatment, long-term medical care, and substantial financial compensation. Understanding what is a catastrophic injury is essential because these cases involve complex severe injury claims, higher compensation, and long-term life planning. AUTHOR YURIY MOSHES, ESQ Founding Member of Moshes Law, P.C.During his years of practice, Yuriy has concentrated

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NY Catastrophic Injury Law Firm: Advocating for Mental & Physical Claims

Yuriy Moshes March 13, 2026 7:02 am

NY Catastrophic Injury Law Firm: Advocating for Mental & Physical Claims Catastrophic injuries can permanently change a person’s life. A New York catastrophic injury law firm helps victims recover compensation when serious accidents lead to life-altering physical and psychological harm. Unlike minor injuries, these severe conditions often require long-term medical treatment, rehabilitation, and lifestyle adjustments. Victims may face physical disability, emotional trauma, and financial stress due to medical bills and lost income. A catastrophic injury law firm in New York helps victims pursue compensation when these injuries are caused by negligence. Legal professionals investigate accidents, collect evidence, negotiate with insurance companies, and represent clients in

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Should Foreign Buyers Use an LLC to Purchase Property in NYC?

Yuriy Moshes March 5, 2026 9:26 am

Should Foreign Buyers Use an LLC to Purchase Property in NYC? Foreign nationals continue to invest in New York City real estate for stability, rental income, and long-term asset diversification. However, one structural decision can significantly impact tax exposure, liability, privacy, and resale strategy: Should the property be purchased in personal name or through a New York LLC? The answer depends on estate tax risk, property type, financing method, and long-term exit planning. For high-value Manhattan and Brooklyn acquisitions, improper structuring can create six- or seven-figure consequences. This is precisely why understanding  why you should never skip a real estate attorney in your NYC property

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How Foreign Buyers Finance NYC Real Estate in 2026

Yuriy Moshes February 27, 2026 11:14 am

How Foreign Buyers Finance NYC Real Estate in 2026 New York City remains one of the most globally capitalized property markets in 2026. International buyers from Latin America, Europe, the Middle East, and Asia continue acquiring Manhattan and Brooklyn residential assets for capital preservation, currency diversification, and long-term appreciation. While many foreign investors transact in cash, a growing percentage strategically use leverage. The foreign national mortgage NYC market has matured significantly, offering structured lending solutions designed for non-U.S. residents. This guide explains how foreign buyers finance NYC real estate in 2026 — including loan structure, underwriting mechanics, reserve standards, lender channels, approval timelines, and the

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Taxes Foreign Buyers Pay When Purchasing NYC Property (2026 Complete Guide)

Yuriy Moshes February 20, 2026 8:09 am

Taxes Foreign Buyers Pay When Purchasing NYC Property (2026 Complete Guide) Buying property in New York City as a non-U.S. resident is fully legal and remains one of the most stable long-term investment strategies globally. However, understanding the taxes foreign buyers pay when purchasing NYC property is critical before signing a contract or wiring escrow funds. Before estimating total transaction expenses, investors should also review  NYC closing costs for foreign buyers, since taxes represent only one component of the overall capital required to complete a purchase. Unlike cities such as Vancouver or Singapore, New York does not impose a foreign buyer surcharge. That said, U.S.

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NYC Closing Costs for Foreign Buyers: Complete Breakdown for Condos & Co-ops in 2026

Yuriy Moshes February 12, 2026 9:33 am

NYC Closing Costs for Foreign Buyers: Complete Breakdown for Condos & Co-ops in 2026 Purchasing real estate in New York City involves several costs beyond the property price, and international buyers often need a clear understanding of NYC closing costs for foreign buyers and how these expenses work. In most transactions, closing costs typically range from approximately 1.5% to 6% of the purchase price, depending on property type and financing. Understanding these costs early helps buyers plan realistic budgets, avoid unexpected expenses, and prepare the total cash required at closing. Because NYC transactions involve attorneys, lenders, building fees, and government taxes, total costs can vary

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Do Foreign Buyers Need a Real Estate Attorney in NYC? Legal Requirements Explained

Yuriy Moshes February 6, 2026 10:54 am

Do Foreign Buyers Need a Real Estate Attorney in NYC? Legal Requirements Explained New York City is one of the world’s most attractive real estate markets for international investors, offering strong long-term appreciation and global ownership prestige. However, the NYC property purchase process is highly legal-driven, with complex contracts, regulatory compliance requirements, and attorney-managed closings. Because of this, many international investors ask: Do foreign buyers need a real estate attorney in NYC?  Learn more about the complete purchase process in our guide to  Buying NYC Real Estate as a Foreign Investor. While not always legally required, hiring a real estate attorney is standard practice in New

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NYC Co-op Boards Are Tougher in 2026 — How Buyers Can Get Approved

Yuriy Moshes January 30, 2026 10:17 am

NYC Co-op Boards Are Tougher in 2026 — How Buyers Can Get Approved Buying into a New York City co-op has never been simple — but in 2026, many buyers are discovering that co-op boards are enforcing stricter financial and legal requirements, reviewing applications more closely, and rejecting more deals than ever before. Factors like higher mortgage rates, insurance volatility, and slower sales volume have made boards more conservative, prioritizing stability over speed. For first-time buyers, international buyers, and even long-time New Yorkers, the new standards can be confusing and intimidating.Co‑ops remain one of the most unique forms of home ownership in NYC — for

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Buying NYC Real Estate as a Foreigner in 2026: What to Know Before Making an Offer

Yuriy Moshes January 22, 2026 10:03 am

Buying NYC Real Estate as a Foreigner in 2026: What to Know Before Making an Offer Buying property in New York City continues to attract foreign buyers—including investors, high-net-worth families, and parents purchasing for students. The U.S. has no citizenship or visa requirement for acquiring real estate, which makes NYC one of the most open major markets compared to Canada, Singapore, or Australia where foreign ownership restrictions exist. In 2026, international interest remains strong, but buying as a foreign national involves nuances related to taxes, financing, building rules, entity structuring, offer presentation, and legal contract review. Foreign buyers often ask  whether they need a real

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Pedestrian and Cyclist Accident Claims in NYC: Your Legal Rights in 2026

Yuriy Moshes January 16, 2026 6:44 am

Pedestrian and Cyclist Accident Claims in NYC: Your Legal Rights in 2026 Pedestrian and cyclist accidents continue to represent a major legal and public safety issue in New York City — even as safety improvements under Vision Zero have reduced fatalities in recent years. In 2025, pedestrian fatalities declined by almost 19% year-over-year, and cyclist deaths hit near-record lows due to protected bike lanes, stricter street design, and enforcement campaigns. However, lower fatality numbers do not eliminate risk. Serious injuries, disability, and legal disputes remain common when vehicles, cyclists, and pedestrians collide — especially in congested corridors, delivery zones, and areas with high e-bike traffic.

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Delivery Driver Accident Liability in NYC: Who Pays After a Crash? (2026)

Yuriy Moshes January 8, 2026 5:17 am

Delivery Driver Accident Liability in NYC: Who Pays After a Crash? (2026) In New York City (NYC), liability for a delivery driver accident depends on whether the driver was actively working at the time of the crash and who exercised control over the delivery which is a key issue in many  personal injury claims in New York. Depending on the facts, liability may fall on the driver, the delivery company, a third-party contractor, or multiple parties. Insurance coverage often hinges on app activity, employment status, and vehicle ownership. AUTHOR YURIY MOSHES, ESQ Founding Member of Moshes Law, P.C.During his years of practice, Yuriy has concentrated

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Who Pays Closing Costs on a Home and What Are the Best Options?

Yuriy Moshes January 5, 2026 10:43 am

Who Pays Closing Costs in NYC? (2026 Updated Guide) When buying or selling a home, it’s easy to focus on price negotiations, mortgage approvals, or inspections—but many people forget about one major factor: closing costs. These fees can significantly impact your bottom line — especially in New York City, where transaction costs are among the highest in the country. A common question we hear at real estate closings  is: Who pays closing costs in NYC-buyer or seller? The truth is, both parties usually pay a portion, but how those fees are split depends on New York law, local customs, financing structure, and negotiation strategy. AUTHOR

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Why Distracted Driving Is Still a Major Problem in 2026: What Victims and Families Need to Know

Yuriy Moshes January 2, 2026 8:02 am

Why Distracted Driving Is Still a Major Problem in 2026: What Victims and Families Need to Know Distracted driving continues to be one of the most dangerous and persistent threats on New York roads. Distracted driving accidents continue to be a major source of serious injury and death in 2026, despite years of public awareness campaigns, tougher legislation, and advancements in car safety technology. As a New York personal injury attorney with experience handling car accident cases, I have seen firsthand how devastating these crashes can be—not only for victims, but for entire families. This guide explains why distracted driving is still a major problem,

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The Trapped at Work Act in New York: What Employees Need to Know

Yuriy Moshes December 29, 2025 5:42 am

The Trapped at Work Act in New York: What Employees Need to Know In December 2025, New York State passed the Trapped at Work Act, a groundbreaking law designed to protect employees from pay-to-quit agreements and other unfair employment contracts. This law prevents employers from using employment promissory notes or stay-or-pay agreements that financially penalize employees for leaving a job early. Whether you are an employee, intern, or independent contractor, understanding the Trapped at Work Act New York is essential. This guide explains what the law prohibits, who is protected, key exceptions, penalties for employers, and when to consult a labor law attorney in New

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