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While there are several kinds of bankruptcy, most people file either a Chapter 7 or a Chapter 13 bankruptcy. Chapter 13 is often used for individuals with regular income that have a large amount of equity in a home or a car and wish to keep those assets. In a NJ...
Most People Keep All of their Property After a Chapter 7 Bankruptcy A person who files bankruptcy, known as a debtor, is allowed to keep a certain amount of property in order to get a fresh start after bankruptcy. The property a debtor is allowed to keep is called...
Most people who file a NJ Chapter 7 Bankruptcy get to keep all or almost all of their assets. What property can be kept is determined by bankruptcy exemptions. Bankruptcy exemptions determine what property you can keep. The Bankruptcy Code Section 104(b) provides that...
There are many benefits of hiring a NJ mortgage modification lawyer to help you with your home loan. A mortgage modification can reduce your monthly payment to an affordable amount, which will let you stay in your home. A lawyer can also help you lower your interest...
Are you in debt and unable to pay your bills? If so, it’s probably time to learn about what options are available for you to get rid of your debt. Bankruptcy and Debt Consolidation are two of the most common ways people get rid of their debt. We are often asked,...
If you are thinking of possibly filing bankruptcy in the near future, you might be wondering whether there are limits on how you can spend your money and on what you can spend it. The general answer is that you should be careful as to how you spend your money before...
In an increasingly unstable housing market, many homeowners are faced with a tough decision: whether to sell their home for less than what they owe on it or risk foreclosure. There are two options that you can pursue when choosing between these two courses of action:...
As we enter tax season the question of, “what happens to my tax refund if I file bankruptcy” always comes up. This is a common question as many people are looking forward to receiving their tax refund but are also considering bankruptcy as a way to get a fresh start....
You should not be embarrassed about having to file bankruptcy! Instead you should be proud that you found a solution to your overwhelming financial problems. Over the many years that I have been a NJ bankruptcy attorney, many people have told me that even though they...
Filing for bankruptcy stops most civil lawsuits against you because of an automatic stay which goes into effect immediately when your bankruptcy is filed. This stay prevents your creditors from continuing their collection actions, including lawsuits against you. How...
