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Chapter 7 Discharges in Bankruptcy – What do you get? What is excluded?
Chapter 7 Bankruptcy Discharge I represent a wide range of people in New Jersey and New York. Most want to file for Chapter 7 relief because they think that this is the best and most complete way out of debt. For many, that is true but there are exceptions. The...
Sheriff’s Sales are Happening In New Jersey
The Moratorium on Sheriff's Sales is OverIn March of 2020, Governor Murphy issued an executive order prohibiting evictions and sheriff's sales because of the COVID-19 pandemic.Shortly thereafter, Congress passed the CARES act, providing for forbearance if you had...
What is happening with Foreclosures?
The new CFPB rule is changing the process of foreclosure slightly as the moratorium end and the government is trying to avoid a massive wave of foreclosures.Foreclosure moratoriums end on July 31, 2021. The Consumer Financial Protection Bureau has enacted a new...
What gets discharged in a Chapter 7 case? The better question is what does NOT get discharged.
I represent a wide range of people in New Jersey and New York. Most want to file for Chapter 7 relief because they think that this is the best and most complete way out of debt. For many, that is true but there are exceptions.The question that gets often asked is...
When Should You Choose Chapter 13 Over Other Forms of Bankruptcy
Choosing the Right Bankruptcy Relief If you're having some financial problems, you might want to consider bankruptcy filing. But first, you may want to figure out what possible relief you might want to go for in bankruptcy. Both Chapter 7 and Chapter 13 bankruptcy can...
CARES is coming to an end soon for some – What NOW?
Many people have obtained forbearances on their mortgages through the CARES Act and its extension. The current deadline to request a COVID related forebearance is June 30, 2021 for HUD/FHA, USDA or VA loans. You can qualify for up to 18 months of...
What’s happening with Foreclosures in New York and New Jersey
Since March of 2020, New York and New Jersey have been acting under COVID-19 emergencies via both legislation and emergency order to prevent people from being evicted from their homes due to the inability to pay during the pandemic. The federal government has...
We now have a YouTube Channel!!!!
In an effort to share helpful information about bankruptcy, guardianship, probate and other areas of general legal interest, we have set up a YouTube channel. We are working on incorporating it into the website and blog, but in the meantime, please check it out at...
When is it too late to save a home from foreclosure in Bankruptcy
Facing foreclosure is incredibly time sensitive. In this video I discuss at what point it is too late and when you should act to save your property.
When is a Student Debt NOT a Student Loan for Bankruptcy Purposes?
What Is Student Loan Debt? Everyone hears that student loans cannot be discharged in bankruptcy. That is increasingly no longer the case as courts find that undue hardship is shown in ever-expanding categories. Sometimes, however, the debt that is sought to be...
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