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While there are several kinds of bankruptcy, most people file either a Chapter 7 or a Chapter 13 bankruptcy. Chapter 13 is often used for individuals with regular income that have a large amount of equity in a home or a car and wish to keep those assets. In a NJ...
Most people who file a NJ Chapter 7 Bankruptcy get to keep all or almost all of their assets. What property can be kept is determined by bankruptcy exemptions. Bankruptcy exemptions determine what property you can keep. The Bankruptcy Code Section 104(b) provides that...
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,...
If you are thinking of possibly filing bankruptcy in the near future, you might be wondering whether there are limits on how you can spend your money and on what you can spend it. The general answer is that you should be careful as to how you spend your money before...
Do you have overwhelming debt that you cannot pay and are thinking about filing bankruptcy to get a fresh start? A common question people ask us when they are thinking about filing bankruptcy is, “will I have to go to Court if I file bankruptcy?” In almost all cases,...
The foreclosure process in NJ can be very confusing and scary. In the more than 30 years that we have helped people save their homes, as foreclosure attorneys in NJ, we have been asked many questions about the NJ foreclosure process. This blog will address 10 of the...
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...
The right of redemption allows you to get back your home after a sheriff sale. NJ Sheriff’s Sales Have Resumed NJ Sheriff Sales on residential property were on hold since the beginning of the COVID-19 pandemic. As of September, 2021 Sheriff Sales have resumed in...
Creditors 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. Can Bankruptcy Stop a Wage Garnishment? Yes, filing a bankruptcy can stop a wage...
Bad car loans can be financially devastating. As New Jersey Bankruptcy attorneys we often meet with people who have very high car loan payments and want to know if a bankruptcy can help to lower car payments. The quick answer is yes, but there are conditions that...
