Bankruptcy & Credit Resources

We are bankruptcy attorneys providing debt relief advice and representation. We help people obtain debt relief under the Bankruptcy Code and other laws.

CREDIT BUREAUS


Equifax, P.O. Box 740241
Atlanta GA 30374
phone: 800-685-1111

Experian, P.O. Box 2104
Allen, TX 75013-2104
phone: 888-397-3742

TransUnion, P.O. Box 2000
Chester, PA 19022-2000
phone: 800-888-4213

EXPENSE BUDGETS & FINANCIAL CALCULATORS


Note: These are offered for your personal use and convenience, for educational purposes only. We do not assume any responsibility or obligation for your use of these, and no warranty or promise of representation is expressed or implied.

Personal Monthly Budget Spreadsheet. Requires Microsoft Excel
This gives you a starting point, to see how balanced your budget is, or is not.

Income & Monthly Expense Calculator
Microsoft Excel required

Small Business Expense Budget
Requires Microsoft Excel

Business Rolling Expense Forecast Spreadsheet
Requires Microsoft Excel

Budget Questionnaire

Credit Card Minimum Balance Payment Calculator
Many people think they are doing OK because they are making the minimum payments on their credit cards. To see how expensive this is, take a look at this calculator. If your total credit card debt is more than 3 months income, you may be in more trouble than you think.

Loan Calculator

RESOURCE LINKS


Our webpage on credit scores and identity theft

Bankruptcy Code and Rules

Bankruptcy Court-New Jersey website. Contains local rules, judges, forms and other important information.

Bankruptcy Basics from New Jersey Court Website

Directions to First Meetings of Creditors in New Jersey

What is the First Meeting and why is it important?

Directions to U.S. Bankruptcy Court in Camden, New Jersey

Directions to U.S. Bankruptcy Court in Trenton, New Jersey

LEGAL FORMS


Chapter 13-Required form of Order for converting a case to Chapter 13-required in New Jersey

OTHER SOURCES


Bankruptcy Assets for Sale

New Jersey Coalition for Financial Education

New Jersey Bankruptcy Lawyers Foundation Financial Literacy Project

National Association of Bankruptcy Trustees

Steven R. Neuner our bankruptcy partner,is a trustee himself, and represents other trustees, creditors and business owners helping them find their way through the pitfalls and problems of bankruptcy and financial distress. He has filed or presided over hundreds of bankruptcy cases and proceedings over the past 24 years. For more about him and his background click here

IF YOU WOULD LIKE OUR HELP, WE ASK YOU TO CALL US AT 856-596-2828 FOR AN APPOINTMENT. Please first read a notice about bankruptcy required by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 by clicking here:

*Free consultation for individuals and most small businesses. A follow up meeting may be required. We reserve the right to charge for consultations involving review of existing cases, divorces or litigation.

BAPCPA



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