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Depositphotos_183194082_s-2015.jpgThis question comes up every tax season.  You're looking forward to receiving a tax refund check and you also want to get your bankruptcy case filed.  So, what happens to your tax refund in a bankruptcy case?
If you are planning to file a personal bankruptcy and you are expecting a tax refund, it is essential that you confer with us as soon as possible to make certain your refund is protected.  This blog will provide general guidance, but it is important that we review your individual circumstances and determine the best strategy for you.


hispanic bills.jpgIf you are one of the many Americans who struggle with debt, then you intimately understand the emotional strain that comes with ceaseless harassment from debt collectors. Despite your best efforts and hard work, you find yourself unable to keep up with credit card payments, interest, medical bills, your mortgage, or even your utilities. For a lot of people in your situation, bankruptcy is a desirable step to obtaining lasting relief from qualifying debts.


utility bills.jpg     Utilities are a major monthly expense and one that can be hard to plan for because we are often at the mercy of Mother Nature when it comes to heating, cooling or water usage.  As you know, utility providers have a powerful way of forcing you to pay utility bills-they can shut off your service.


Thumbnail image for Myths.jpgAs bankruptcy attorneys who have helped thousands of people get debt relief through bankruptcy,  we know that many people fear filing for bankruptcy because of myths and false misconceptions about what bankruptcy can and cannot do.  In actuality, there are more benefits to filing bankruptcy than you may think.  Below, we dispel 5 of the common bankruptcy myths.

Getting Rid of Vehicle Surcharges in Bankruptcy

Getting Rid of Vehicle Surcharges in Bankruptcy.jpgWhen you make financial plans for yourself, one of the last things that you would expect to drag you under are surcharges for motor vehicle violations. Sadly, it is a reality for many New Jersey drivers to experience the wrath of the point system administered by the New Jersey Surcharge Violation System (NJSVS).

What is an Information Subpoena in NJ?

What is an Information Subpoena in NJ.jpgLawsuits are a tool used by creditors to collect their debts. Often, they file many of these lawsuits at one time against numerous debtors, counting on an outsize percentage of these defendants to ignore the lawsuit. These defendants may be overwhelmed by the lawsuit or simply believe it doesn't matter since they have no money left to give. When this occurs, the creditors are able to obtain easy "default" debt judgments against these debtors. In New Jersey, defendants who have had debt judgments entered against them should next expect to receive an "information subpoena" from the creditor's attorney.

Stop Your Creditors Cold with an Automatic Stay

Stop Your Creditors Cold with an Automatic Stay.jpgNo one has ever accused a creditor of being patient and understanding. To the contrary, stories of aggression, harassment, or hostility are the norm. If you have been trying to pay your debts, but continue to be on the receiving end of notices, threats, and collection efforts, you need a break. In fact, if you are reading this, it is because you are looking for solutions to this very real problem.

Reasons to File Bankruptcy Now

Reasons to File Bankruptcy Now.jpgIf you are struggling with debt, you are not alone. As bankruptcy attorneys who have guided clients through the bankruptcy process for three decades, we have seen a great many people find themselves unable to keep up with debt and interest payments. Unfortunately, many people choose to allow these struggles to continue for far too long, unaware of the benefits and relief that bankruptcy offers. We want you to be aware that there are legitimate reasons to file bankruptcy now.

Our bankruptcy attorneys will help you escape debt and
face the future with optimism.

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