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If you are having a tough time paying your bills, bankruptcy might be a way for you to eliminate some or all of your debt. You must pass the bankruptcy means test to be eligible to file a Chapter 7 bankruptcy. The only times you do not have to pass the means test is...
The start of a new year can bring renewed hope and the motivation to create a meaningful change. If you are starting 2026 feeling overwhelmed by bills you can't pay, stressed by harassing creditor calls and texts, or afraid of losing your house or car, bankruptcy...
If you haven’t been able to pay your bills and creditors have gotten judgments against you, it is likely that judgment liens have been placed against your home. A common question we hear at Levitt & Slafkes, P.C. is, “will filing bankruptcy remove the judgment...
If you’re thinking about filing bankruptcy, one of your main questions is likely whether the bankruptcy will get rid of your debt. This answer depends a lot on whether your debt is secured or unsecured. In this blog, we’ll discuss the difference between secured and...
Most people who file a NJ Chapter 7 Bankruptcy get to keep all or almost all of what they own. Bankruptcy exemptions determine what property you can keep. The Bankruptcy Code Section 104(b) provides that exemption amounts and other dollar amounts are adjusted for...
Individuals Can File Chapter 11 Bankruptcy Contrary to popular belief, Chapter 11 bankruptcy is not just for businesses. Individuals can file bankruptcy under Chapter 7, Chapter 13, or Chapter 11 of the Bankruptcy Code. Individuals usually only file Chapter 11...
Filing bankruptcy can be an intimidating process. Understanding key bankruptcy terms can help make it more manageable. At Levitt & Slafkes, P.C., we specialize in helping clients get through the bankruptcy process with compassion and ease. Whether you are thinking...
CONTACT LEVITT & SLAFKES BEFORE YOU GET MARRIED TO DISCUSS BANKRUPTCY You’ve found the one. You’ve planned the wedding. You’re ready to walk down that aisle, but you want to know, when your officiant asks, “if you take this person to be your spouse, for richer or...
It sometimes becomes necessary to file bankruptcy more than once. As an experienced bankruptcy attorney will tell you, while unfortunate, it is not rare. The need to refile often occurs as the result of unexpected circumstances, such as a job loss or medical expenses....
Medical debt is a major reason that people file bankruptcy. The Consumer Financial Protection Bureau indicates that $88 billion of outstanding medical bills are currently in collections-affecting one in five Americans. According to U.S. News & World Report, many...