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It is an all too common scenario. A homeowner applies for a modification and receives the letter from the lender congratulating him or her and providing a trial period modification agreement. The agreement says that the homeowner must make three payments and then he...
If you are planning to file a personal bankruptcy, one of your major concerns is likely what will happen to your assets. Fortunately, bankruptcy law provides numerous exemptions that exclude certain types of property from being included in your bankruptcy estate. In...
One of the biggest concerns people have when considering bankruptcy is whether they will be able to keep their home. The good news is that bankruptcy law offers you several options that permit you to keep your house in both Chapter 7 and Chapter 13 filings. However,...
If you are looking for an alternative to filing for bankruptcy protection, you may be considering debt settlement. In debt settlement, you negotiate with your lender(s) to pay a smaller amount than what is owed as payment in full. While this may seem like the perfect...
If you have spent your whole life working hard and faithfully making contributions to your 401(k) or IRA, and now you are facing financial troubles, you don't want to do anything that could put your nest egg into jeopardy. For many individuals, their retirement...
If you have lost your job, you may be wondering if you can obtain relief from your debt by filing a bankruptcy case. There is no law that requires an individual to be employed in order to qualify for bankruptcy protection. As a matter of fact, loss of employment is...
If you are a New Jersey homeowner and you are past due on- your mortgage loan payments, you are probably wondering when your lender will start the foreclosure process. New Jersey is a judicial foreclosure state, which means that mortgage lenders must typically use the...
When you are struggling financially, you may be wondering if you have sufficient debt to qualify for bankruptcy protection. The good news is that there is no minimum amount of debt required to file a Chapter 7 or Chapter 13 case. Your eligibility to file a personal...
When you are preparing for a bankruptcy filing, there are certain mistakes you want to avoid. Failure to do so could result in your bankruptcy discharge being less effective and, in more serious cases, render you ineligible to obtain a discharge of your debt. Below...
When we meet with new clients, we are often surprised at the amount of confusion and misunderstandings that surround the topic of bankruptcy. There has been a lot of discussion lately about what types of debts cannot be discharged in bankruptcy, so this blog will...