Blog

Feb. 8, 2021

If you are presently making payments, on cars or other vehicles, we may be able to save you a lot of money by filing a Chapter 13. For example, if you owe $10,000 on your car and the retail book value is only $7,000, you may be able to reduce your car loan debt to $7,000 and substantially reduce your car payments. If your car has damage or needs repairs or has high mileage or other problems,

Feb. 8, 2021

Once in a while, a client who has filed a successful bankruptcy comes back to us maybe two or three years later, because they were getting ready to buy or sell, or refinance a home. They tell us that all of a sudden, a judgment that they didn't know about appeared on their record, and the creditor is claiming that this judgment should be paid.

Feb. 7, 2021

We want to set you up for success so that your bankruptcy case runs smoothly from start to finish. Therefore, we want you to know that there are certain “no-no's” that you must be aware of before you file for bankruptcy.

Feb. 6, 2021

It's important that people in New Jersey be aware that they are not in jeopardy of immediately losing their home just because they fall two or three payments behind on their mortgage.

Feb. 5, 2021

Not surprisingly, many clients that come to us often feel guilty or ashamed that they need to seek bankruptcy relief. You don't have to feel that way. Feel grateful and appreciative instead. Here's the bottom line: in all likelihood the position you are in now is not your fault.

Feb. 4, 2021

Chapter 13 can be more powerful than Chapter 7 because it gives you an opportunity to deal with additional issues that are not covered by Chapter 7.

Feb. 3, 2021

Chapter 7 is a great way to completely wipe out your debts. It usually doesn't matter how much you owe in unsecured debts. You could owe $10,000, $50,000, $250,000, or even $1 million. When you successfully complete chapter 7, you walk away with a legal “discharge” in about four months.

Feb. 2, 2021

Our standard chapter 13 fees are paid by an initial upfront payment which is needed to officially file the case and the remaining fee balance is thereafter paid to us when the client makes a payment every month to the chapter 13 trustee.

Feb. 2, 2021

Our goal is to guide you through a successful happy experience, help you get a fresh financial start, and create a much brighter financial future, so that you and your family can lead happier, healthier, and more productive, prosperous, and fulfilling lives.

Jan. 8, 2021

If you are presently making car payments, we may be able to save you a lot of money by filing a Chapter 13 instead of a Chapter 7. For example, if you owe $10,000 on your car and the retail value is $7,000, you may be able to reduce your car loan debt to $7,000 and substantially reduce your car payments.