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Bankruptcy Law Archives

QUESTIONS TO ASK A BANKRUPTCY ATTORNEY DURING YOUR INITIAL CONSULTATION

Depositphotos_183442934_s-2015.jpgWhen you're thinking about filing for bankruptcy there are many factors that need to be taken into consideration.  During this difficult time, it's critical that you hire an experienced and knowledgeable bankruptcy attorney to guide you through the process.  At Levitt & Slafkes, P.C. we provide free initial bankruptcy consultations and will answer your questions. So how do you decide who is most qualified, who you can best work with and what you can expect from your bankruptcy attorney?  Here are the top 6 questions which we believe you should ask, and the attorney should answer during your initial consultation.

WHAT TAXES CAN BE DISCHARGED IN BANKRUPTCY

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.

CAN UTILITY BILLS BE DISCHARGED IN A NEW JERSEY BANKRUPTCY?

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.

5 COMMON BANKRUPTCY MYTHS DEBUNKED

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.

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.

Bankruptcy Can Help End Wage Garnishment

Bankruptcy Can Help End Wage Garnishment.jpgCreditors can be relentless and ruthless when it comes to collecting on debts. They use every tool at their disposal, including letters, phone calls, and social media harassment. This takes a great mental toll on people struggling to repay their debts. Unfortunately, some debtors find themselves in the difficult situation of seeing their wages garnished for the benefit of a creditor.

Getting Out of a Vehicle Loan in Bankruptcy

Getting Out of a Vehicle Loan in Bankruptcy.jpgIf you look at your ongoing monthly expenses, you vehicle loan is probably up there as one of the big ones. Unfortunately, while your high, fixed car loan payment remains the same for the term of your loan, depreciation causes the value of the vehicle to decrease over time. After a few years, many people find themselves in a situation where they owe far more than their car is actually worth. When coupled with other financial strains, unforeseen circumstances, and debt problems, a bad car loan can be a person's real breaking point.

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