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Posts
- A proposed New Years resolution: review finances and plan ahead; if bankruptcy might be an option, do not ignore it
- Act Quickly to Improve Your Credit After Bankruptcy
- Addressing Student Loan Debt with a Chapter 13 Bankruptcy
- After a bankruptcy discharge, what to do when mortgage holders and secured creditors go too far.
- After the storm, dealing with insurance claims is fraught with traps
- Alternatives to Filing for Bankruptcy Protection
- An object lesson for creditors: Countrywide Home Loans hit with $85000.00 in legal fees for violation of the automatic stay
- An Overview of Priority Debts
- Another year of tax relief for short sales and deeds in lieu of foreclosure.
- Are You Responsible for Your Spouse’s Debts in a Bankruptcy Proceeding?
- Avoiding being a fraud victim shopping during the holidays
- Avoiding mortgage and debt relief scams
- Avoiding the debt trap: high-interest car title loans
- Avoiding the Means Test in Bankruptcy
- Bankruptcy and Business Litigation
- Bankruptcy and Divorce — Which Comes First?
- Bankruptcy and Inheritance
- Bankruptcy and Retirement Benefits
- Bankruptcy and your Credit Report- when do bankruptcies or other adverse reports come off my credit report?
- Bankruptcy courts: foreclosure is not time-barred until 6 years after last payment due date specified in the mortgage or note
- Bankruptcy Fraud in the News
- Bankruptcy Is Not a Failure—Exploding Bankruptcy Myths
- Bankruptcy Pros and Cons When facing Foreclosure
- Bankruptcy vs. Debt Reconsolidation
- Bankruptcy’s Effects Upon Debt Collection
- Being Resilient in Midlife Debt Crises
- Being sued on student loans? Demand documents to support the loan
- Budgeting for businesses and individuals is the key first step to taking back control of your finances
- Budgeting is key to planning during the pandemic-some helpful advice.
- Business Bankruptcy Solutions
- Business bankruptcy solutions for the small business
- Business Owner’s Guide to Planning During the Pandemic Shutdown
- Buyers needing FHA mortgages will pay higher fees
- California audit exposes widespread irregularities in foreclosures there
- Can a Bankruptcy Filing Help You Save a Business?
- Can Bankruptcy Discharge Tax Debt?
- Can Bankruptcy Help You If You Owe Money Because of a Car Accident?
- Can Criminal Debts Be Discharged?
- Can I Keep the Proceeds of Lawsuit if I File for Chapter 7 Bankruptcy?
- Can I Save My Home from Foreclosure with a Bankruptcy Filing?
- Can Student Loans Be Discharged?
- Challenges to the Discharge of Luxury Purchases and Cash Advances
- Changes coming to judicial foreclosure in New Jersey?? Is the process speeding up? Is “cash for keys” going to be a real solution? Welcome developments but uncertainty.
- Changes in Law Help People with Medical Debts
- Chapter 13 Bankruptcy Essentials
- Chapter 13 to Manage Tax Arrearages
- Chapter 13 trap for the unwary: not listing a creditor in time could mean you still have that debt to pay when the case is over!
- Chapter 7 Bankruptcy Filing to Keep Your Home
- Chapter 7 for Small Businesses
- Chapter 7 or Chapter 13 – Which Is Right for Me?
- Choosing Between Chapter 7 and Chapter 11 When Closing Down a Business
- Choosing Between Chapter 7 and Chapter 11 When Continuing a Business
- Choosing the Right Bankruptcy Filing When You Owe Money to Your Ex-Spouse
- Closing a Business and Immediately Starting a New One
- Closing the First Meeting of Creditors: It is more important than you think
- Concealing assets in bankruptcy? New decision shows again how costly this risky maneuver can be.
- Congress Finally Extends Tax Protection for Homeowners Facing Foreclosure
- Cram down or strip off– a way to surface after being underwater
- Credit is a two-edged sword: Businesses, like people, have to be careful how they use it
- Credit Reporting Agencies promise to make it easier to correct credit report errors.
- Creditors, especially medical bill collectors, ignoring bankruptcy and becoming lawbreakers
- Dealing With Your Credit Score After Bankruptcy
- Debt Collectors Prone to Violation of Bankruptcy Discharge
- Debts for Embezzlement and Violations of Fiduciary Duty
- Debts for Willful and Malicious Injury
- Debts Secured by Purchased Personal Property
- Debts Secured by Purchased Personal Property
- Defending Collections Lawsuits on Credit Cards
- Discharging Non – Support Debts to an Ex-Spouse
- Disposing of Property Before You File for Bankruptcy
- Do You Qualify for Chapter 13 Bankruptcy Protection?
- Doctors Being Driven Into Bankruptcy
- Does Bankruptcy Conclude Following a Discharge?
- Doing business with businesses in Chapter 11 and trustees in bankruptcy-the importance of getting paid and knowing the ropes
- Dos and Don’ts of Home Loan Modifications
- Drowning in debt? Losing your home? Here is how to overcome the stress and take back control of your life.
- Eligibility for Chapter 7 Bankruptcy in New Jersey
- Estate Planning property transfers and gifts-the hidden trap of fraudulent transfer liability
- Even lawyers getting scammed over the Internet.
- Even the big guys are guilty of making matters worse through denial-Detroit’s bankruptcy experience is an object lesson for many others
- Facing financial crisis in this pandemic? Don’t panic, plan. Six common mistakes that could cost you and make things worse.
- Federal Trade Commission reveals the truth about debt buyers- debtors be savvy and demand proof
- File your tax returns before the IRS does a tax assessment, or you could lose your right to discharge taxes
- Filing Bankruptcy Without Your Spouse
- Filing bankruptcy? Your bank may freeze your checking account!
- Filing Chapter 13 Before a Divorce
- Filing Chapter 7 Before a Divorce
- Filing for Bankruptcy Again — Do You Still Get Protection from Creditor Harassment?
- Filing for Bankruptcy Again — Rights and Restrictions
- Filing for Bankruptcy Protection vs. Doing Nothing
- Getting a business loan requires planning
- Good Reasons Not to Handle Your Own Bankruptcy Filing
- Guide to Video Conferencing and Related Activities
- Hand over all your money! 9th Circuit holds that a bankruptcy trustee can require a debtor to turn over entire bank account balance without credit for checks which cleared after bankruptcy was filed
- Happy Halloween!
- Happy Independence Day
- Happy Thanksgiving
- Harry S. Truman-An example why bankruptcy is not a “badge of shame”
- Heading for bankruptcy? Paying your children’s college expenses could create “clawback” headaches for them and their college
- Health Savings Accounts not protected in bankruptcy, 8th Circuit BAP holds
- How a Chapter 20 bankruptcy can help save a home from foreclosure after a Chapter 7 discharge
- How Bankruptcy Affects Your Credit Score
- How Bankruptcy Impacts Your Ability to Get a Mortgage
- How Chapter 13 Really Works When You Are Behind on a Mortgage
- How Chapter 13 Really Works When You Are Behind on a Vehicle Loan
- How Chapter 13 Really Works When You Owe Income Taxes
- How Chapter 7 Really Works When Keeping Your Home
- How Chapter 7 Really Works When Reaffirming a Vehicle
- How Chapter 7 Really Works When Reaffirming a Vehicle
- How Chapter 7 Really Works When Surrendering Your Home
- How Condo Fees and Assessments are Treated in Bankruptcy
- How creditors in bankruptcy can lose out by “sleeping on their rights”
- How debt buyers and creditors get judgments when they do not have a right to sue, and what you can do about it
- How Does the Means Test Work?
- How Filing for Bankruptcy Damages a Credit Score
- How small family owned businesses succeed, and how to avoid feeding a failing enterprise
- How Soon Can You File for Bankruptcy in New Jersey
- How the Bankruptcy Trustee Investigates Fraud Allegations
- How to Add Debt During a Chapter 13 Case
- How to Avoid Tax Levies and Garnishments
- How to Choose the Type of Bankruptcy That Fits Your Situation
- How to Exclude Debts From a Bankruptcy
- How to File for Bankruptcy Without a Bankruptcy Attorney
- How to Find a Good New Jersey Bankruptcy Attorney
- How to handle illegal or improper collection efforts during or after a bankruptcy
- How to Prepare for a Bankruptcy
- How to Stop Collection Lawsuits Against You
- How to Stop IRS Garnishments and Levies
- How to Stop Vehicle Repossession
- How We Got into This Financial Crisis – and How to Get Out
- How Will Bankruptcy Affect Your Present or Future Employment?
- How Your Credit Score Influences Your Decision to Seek Bankruptcy
- If My Small Business Goes Bankrupt, Do I Lose My Personal Belongings?
- In a major reversal of bankruptcy law, Third Circuit OK’s creditor’s refusal to return levied or repossessed property until ordered to do so.
- Increasing numbers of million dollar homes going to foreclosure
- Inherited IRA’s are not part of a bankruptcy estate in New Jersey, Bankruptcy Court holds
- Initial Consultations by Video
- Is Bankruptcy a Good Idea for Senior Citizens Struggling with Medical Bills?
- Is the foreclosure mess ending? Hopeful signs but careful planning still needed.
- Joint bank accounts can create traps and legal headaches when financial problems arise.
- Judgments have life after bankruptcy, a New Jersey Court rules
- Keeping debt collectors honest and how best to respond to them
- Leaving home? A bankruptcy discharge may not protect you from association dues or liability claims
- Legal Actions that Are Not Affected by a Bankruptcy Filing
- Lenders being sued for violating the bankruptcy discharge when they refuse to correct your credit report to show listed debts as discharged
- Lending to Friends or Family? Think Like a Bank, or Else…
- Lenny Dykstra pleads guilty to bankruptcy fraud and could get 30 months in prison for stripping his house of valuables
- Lessons from the Dark, Lucrative World of Debt Collection
- Look before you leap into owning your own business! A cautionary tale.
- Losing the Automatic Stay in Bankruptcy
- Making Settlements Stick: Avoiding Traps for the Unwary
- Mediation now required in New Jersey Bankruptcy Court- but you have more choices than first appears
- Medical billing errors can destroy your credit
- Medical bills and billing traps-a prime cause of financial problems
- Meeting the Chapter 7 Means Test Requirements
- MF Global Trustee waives attorney client privilege and turns over emails to investigators- a cautionary tale how a bankruptcy can open a can of worms for the unwary.
- Mortgage Foreclosure attorneys in New Jersey will be busy as mortgage foreclosures are up and climbing
- Mortgage lender sanctioned for violating discharge injunction by repeated calls to discuss alternatives to foreclosure after being told to stop and after debtors locked out of home
- Mortgage Modification? Try filing bankruptcy…
- Moving out of your home could deprive you of protections under the New Jersey Fair Foreclosure Act
- Navigating the tricky waters of medical bills-to protect yourself against errors and abuses you need to watch and keep good records
- New Jersey CARES Act funding for individuals and small businesses. Must apply by October 27, 2020.
- New Jersey foreclosures and loan modifications: improving and moving faster, but for how long
- New Jersey law allowed “fast track” foreclosure of vacant and abandoned property
- New study shows bankruptcy for those that need it improves long-term creditworthiness
- NJ Bankruptcy Courts are open and operating during the pandemic
- NJ Court rules that failure to properly list a judgment holder in bankruptcy prevents later removal of lien from real estate
- NJ Supreme Court holds arbitration clause in debt-adjustment contract is unenforceable
- NJ Supreme Court to borrowers: don’t sleep on your rights when faced with foreclosure
- Non-Business Exemptions from the Means Test
- Not your usual dull bankruptcy case…!!
- NY Fed Study shows that for those drowning in debt, a bankruptcy results in a faster improvement in credit scores
- Options When Facing a Home Foreclosure
- Our Unique Approach to Bankruptcy and Debt Relief Representation
- Pandemic business failure? Here is what you must, and must not, do.
- Penny-wise and pound-foolish: phony bankruptcy law firm caught and shut down, but what about their clients?
- Pensions, IRA’s and 401K’s are protected against creditors, but watch out for disqualification
- Positive New Year Thoughts – even during financial uncertainty
- Possible Reasons to File for Bankruptcy Without Delay
- Post petition payments and the “New Value” defense to preference suits-Third Circuit Court of Appeals holds they do not affect the outcome
- Protecting co-owners of bank accounts when filing for bankruptcy
- Protecting or rebuilding your credit- tips from CARE
- Protecting Your Rights with Aggressive Creditors
- Protecting Yourself and Your Company in the Face of Business Litigation
- Protecting yourself from fraud and identity theft
- Protecting Yourself from Mortgage Problems
- Rebuilding Credit after Filing for Bankruptcy
- Rebuilding Your Credit Rating after a Bankruptcy Filing
- Recording calls with debt collectors to document or deter abuse-watch out for these and other traps!
- Regulators report Homeowners Harmed by Loan Companies
- Resurrection of the subprime mortgage mess-this time in car loans
- Revel CEO resigns weeks before expected bankruptcy filing
- Right and Wrong Ways to Close Down a Business
- Risking the Loss of a Discharge because of Dishonesty
- Seasons Greetings and Happy New Year!
- Seeking a Loan Modification
- Senate proposes new law to make some student loans dischargeable in bankruptcy
- Seniors in financial trouble recommended to consider using bankruptcy to help protect assets.
- Short sales and modifications- the system is not working, still…
- Should You Close the Business Down?
- Small Business Chapter 11’s – An Easier Path
- Small Business Debt Organization – Chapter 11 or Chapter 13
- Starting a Business – Is it for you?
- Starting over after business failure: your debts can follow you if you get it wrong
- Staying the course on the road back to work, and getting the fresh start you need once you get there
- Student loan debt at record levels- what options are there?
- Student Loan debt is the looming new crisis- but some options are open to dealing with collectors
- Student Loan debt? Here are some resources and ideas
- Student loans-a $2.5 trillion debtload-will the Supreme Court provide some relief?
- Student Loans-nondischargeable in bankruptcy-time for a change?
- Student Loans: Dealing with a system stacked against the borrower
- Supreme Court now decides to answer the questions it ducked in Arkison-what can a bankruptcy court decide, when and how?
- Supreme Court rules that Bankruptcy Courts can enter final judgments in Article III controversies where the parties consent by act or deed
- Surefire Strategies to Lead Your Business to Bankruptcy, Part One
- Surefire Strategies to Lead Your Business to Bankruptcy, Part Three
- Surefire Strategies to Lead Your Business to Bankruptcy, Part Two
- Taking a Bankruptcy Means Test to Qualify for Chapter 7
- Taking Advantage of New Jersey’s Generous Bankruptcy Exemptions
- The Best Option in Bankruptcy When You Have Student Loans
- The continuing obligation to accurately list all claims and property in bankruptcy: what you do not list can cost you plenty.
- The Different Grounds for Non-Dischargeability of Debts in a Bankruptcy
- The Federal Exemptions in a Chapter 7 Bankruptcy
- The General Timeline of a Bankruptcy Case
- The Hardship Discharge for Student Loans
- The hidden hazards in failing to list every possible debt or claim in a bankruptcy- you might not be protected!
- The Homestead Exemption in a New Jersey Chapter 7 Bankruptcy
- The Impact of Bankruptcy on Jointly Owned Property
- The Implications of Bankruptcy for a Cosigner
- The Income Side of the Means Test
- The Intersection Between Probate and Bankruptcy
- The Key to Turning Your Financial Life Around is Budgeting
- The Most Effective Way to Discharge Debt – Be Honest with Creditors
- The New Jersey Bankruptcy Exemptions
- The New Jersey Motor Vehicle Exemption in a Chapter 7 Bankruptcy
- The Simplest Chapter 13 Bankruptcy Filing
- The Simplest Chapter 7 Bankruptcy Filing
- The Simplest Chapter 7 Bankruptcy Filing
- The Types of Debts That Are Eligible to Be Discharged in Bankruptcy
- The Vehicle Cramdown Procedure in Bankruptcy
- Third Circuit Court of Appeals: Chapter 13 debtors may have a grace period to complete their plan after 60 months
- Third Circuit Court of Appeals: Reckless disregard for truth may be enough to keep a debt from being discharged
- Third Circuit to injured plaintiffs- your claim can be discharged before you know it exists
- Top Reasons Why Houses Are Foreclosed on By the Bank
- U.S. Court of Appeals Reverses Ruling in Bankruptcy Case Involving Inherited IRA Funds
- U.S. Supreme Court to Hear Important Bankruptcy Case
- Understanding Bankruptcy Mediation
- Understanding the Discharge of Debt in Bankruptcy
- Upfront and Honest
- US Supreme Court clarifies when trustees may lose their right to a discharge
- US Supreme Court holds that inherited IRA’s are not “retirement funds” that can be exempted in bankruptcy, but New Jersey residents may have other protections
- Using a Chapter 13 Bankruptcy Filing to Keep Your Home
- Using a Chapter 13 Bankruptcy to Help Sell Your Home
- Using Bankruptcy to Save Your Business
- Using Bankruptcy for Medical Bills
- Using Bankruptcy to Close a Business
- Using Chapter 13 to Address Mortgage and Property Tax Arrearages
- Ways that You Can Minimize the Likelihood of Bankruptcy
- Ways That You Can Risk Losing Your IRA in a Bankruptcy Filing
- What a Chapter 11 Bankruptcy Reorganization Plan Entails
- What Color Is Your Parachute: A Guide for Getting Control of Your Life
- What Constitutes Bankruptcy Fraud
- What Happens if You Avoid Getting Served for a Debt Collection Lawsuit?
- What Happens to Unsecured Debt in a Chapter 13 Bankruptcy?
- What is a “residence” that a debtor can claim as exempt? NJ Bankruptcy judge holds that it must be a place of permanent residence.
- What is a Discharge of Debt?
- What realtors and real estate buyers need to know about bankruptcy to avoid delay or worse problems.
- What to Do If You Expect Your Vehicle to Be Repossessed
- What to Do If You Have Been Sued on a Fraudulent Transfer
- What to Do When You Are Sued on a Preference Claim
- What to do When Your Business is in Trouble
- What to Expect from a Bankruptcy Filing
- When can a Bankruptcy Court enter a final decision? The Supreme Court punts, and muddies the waters
- When It’s Time to File for Bankruptcy
- When Tax Debts Can Be Discharged in Chapter 7
- Where are the Foreclosed Properties Going??
- Why having medical insurance is essential to your financial well-being
- Why You Shouldn’t Try to File for Bankruptcy Yourself
- Why You Shouldn’t Wait to Declare Bankruptcy
- Will a Bankruptcy Filing Help Your Small Business?
- Will a Bankruptcy Filing Make It More Difficult to Earn a Living?
- You Can Pay Debts Even During a Bankruptcy
