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On November 17, 2014 our very own Bruce Levitt will be the moderator and a speaker at a seminar sponsored by the New Jersey Institute for Continuing Legal Education (ICLE) called "Bankruptcy Basics 2014." This program is designed for lawyers who do not handle...
When you are facing financial troubles, it can result in a wide variety of emotions. Financial distress often causes embarrassment, depression, shame and anger. Allowing these emotions to build and go unresolved can have a significant negative impact on your health....
If you have tax liens recorded against you and you are considering filing a personal bankruptcy, it is important to understand how they will be handled in your case. Your personal liability to pay the tax lien is discharged in your bankruptcy filing; however, the lien...
When you decide to file a personal bankruptcy, it is important to understand that you will make a full financial disclosure to the court. In other words, you should be prepared to discuss your assets, debts, income and expenditures openly and thoroughly with us. When...
You have probably heard that it is extremely difficult to discharge student loans in Chapter 7 and Chapter 13 bankruptcy filings. So, what happens to your student loan when you file a personal bankruptcy? The answer varies depending on your unique situation, the kind...
If your paycheck is no longer going as far as it used to and your bills are piling up, it is time to get real about your debt and consider filing a Chapter 7 or Chapter 13 bankruptcy. If you are wondering how you know when it is "the time" to file your case, the first...
A common viewpoint espoused by some people seeking to explain why certain consumers in New Jersey and elsewhere face a significant level of credit card debt goes something like this: Those people simply don't manage money as well as do others with lower debt levels....
Many Americans have debt. Many also struggle to pay off debt. In most cases bankruptcy provides much needed relief from debts associated with credit cards, medical expenses and loans. It can often be confusing, however, to determine if bankruptcy is the right choice....
America is often heralded as a land of opportunity where those who work hard can have it all. While U.S. residents are certainly afforded many privileges and freedoms not enjoyed by citizens of other countries, the false notion that one can have it all leads many to...
In recent years, millions of Americans have experienced financial hardship. The economic troubles that began around 2008, gave way to rising rates of unemployment and underemployment which forced a growing number of Americans to rely heavily upon savings accounts and...