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Are you in debt and unable to pay your bills? If so, it’s probably time to learn about what options are available for you to get rid of your debt. Bankruptcy and Debt Consolidation are two of the most common ways people get rid of their debt. We are often asked,...
As we enter tax season the question of, “what happens to my tax refund if I file bankruptcy” always comes up. This is a common question as many people are looking forward to receiving their tax refund but are also considering bankruptcy as a way to get a fresh start....
You should not be embarrassed about having to file bankruptcy! Instead you should be proud that you found a solution to your overwhelming financial problems. Over the many years that I have been a NJ bankruptcy attorney, many people have told me that even though they...
Filing for bankruptcy stops most civil lawsuits against you because of an automatic stay which goes into effect immediately when your bankruptcy is filed. This stay prevents your creditors from continuing their collection actions, including lawsuits against you. How...
Filing for bankruptcy means you are unable to pay your existing debts. If you successfully file for bankruptcy, your existing debts are cancelled, which allows you to rebuild your finances and move forward. However, unless you have filed for bankruptcy previously or...
A bankruptcy case begins when you file bankruptcy paperwork, called a bankruptcy petition, with the United States Bankruptcy Court. There are many jurisdictions in the United States each with their own bankruptcy court. If you have recently moved to New Jersey you may...
In today’s economy, renting an apartment or home is quite common. Nearly 40% of people in the United States are renters, and many of them are facing financial hardship. If you have lost your job or are experiencing other financial difficulties you may find yourself...
One of the most common questions debtors ask before filing for bankruptcy is whether they should stop paying their bills or other expenses. After all, if you are already struggling to make ends meet and anticipate having your debts discharged, it may seem like a waste...
No matter who you are, getting a call from a debt collector can be a daunting experience. Just because you owe a debt, however, does not always mean that you are legally obligated to pay it. Under the law, creditors have a window of opportunity to file a lawsuit to...
Given the current economic climate, many Americans are forced to consider what happens when you declare bankruptcy. Whether a job loss, illness, divorce, or another unexpected turn of events has you looking at bankruptcy, here's your guide to understanding the...