If you are planning to file for bankruptcy protection and you own a home, it is important to understand how to value your house in your filing. All debtors must complete certain paperwork and make financial disclosures in their filing, which includes listing all real...
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Year: 2015
Buying a Home After Foreclosure or Bankruptcy
If you have filed a Chapter 7 or Chapter 13 bankruptcy, or you have gone through a foreclosure, you may be wondering how long it will take before you can buy a new home. No two cases are identical, but how you handle your credit after your bankruptcy or foreclosure...
Beware of Home Foreclosure Rescue Scams
Homeowners who are facing foreclosure are prime targets for scammers.. Even though they often believe the deal is too good to be true, they are in a desperate situation and take the deal anyway. According to the NY Post, this is exactly what happened to Broadies...
How will “Know Before You Owe” Mortgage Rule Impact New Jersey Homeowners?
The Consumer Financial Protection Bureau (CFPB) has recently issued a final rule setting the effective date of the "Know Before You Owe" mortgage disclosure rule to October 3, 2015. The new rules are formally known as TILA-RESPA, which stands for the Truth in Lending...
Zombie Foreclosures in New Jersey
The phrase "zombie foreclosure" is used to describe a problem that is increasingly hitting individuals across New Jersey. According to RealtyTrac, a company that tracks national housing data, of all the homeowners in the foreclosure process across the country, one in...
Couple Indicted for Filing Fraudulent Sandy Claims in New Jersey Bankruptcy
Homeowners who are facing foreclosure are prime targets for scammers.. Even though they often believe the deal is too good to be true, they are in a desperate situation and take the deal anyway. According to the NY Post, this is exactly what happened to Broadies...
Do I Really Need a Foreclosure Defense Attorney?
When you are struggling financially, you are probably looking for every way that you can save money. If you are facing the foreclosure of your home, you may think you can save money by handling the lawsuit on your own. However, before you do so, consider the...
What Happens After Your Car is Repossessed
Hopefully you have read our prior blog titled "What you need to know about Vehicle Repossessions in New Jersey" for an explanation of what can and cannot occur when your car is being seized by your lender. This blog will focus on what happens after your car has been...
Can I Eliminate Gambling Debt in Bankruptcy?
If you have incurred a substantial amount of gambling debt, you may be wondering if filing for bankruptcy protection is a good solution to your problem. With casinos and online gambling websites, there are thousands of people facing a gambling addiction. They continue...
How to Identify Devious Debt Collectors
When you fall behind on your credit cards, medical bills and other loan payments, it doesn't take long before the debt collectors start calling. When you are dealing with debt collection agents, it is imperative that you understand your rights and how to identify...