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# Law Offices of Wenarsky and Goldstein, LLC: Expert legal support from New Jersey's leading Bankruptcy Attorneys at Wenarsky & Goldstein, LLC. Specializing in estate, guardianship, and more. Call us!

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## Posts
- [What is a Chapter 13 Case?](https://wg-attorneys.com/what-is-a-chapter-13-case/): Discover how a Chapter 13 case can be your lifeline out of debt. Learn the essentials with the Law Offices of Wenarsky and Goldstein, LLC and start your journey to financial stability now.
- [Do All My Debts Disappear if I File for Personal Bankruptcy in New Jersey or New York?](https://wg-attorneys.com/do-all-my-debts-disappear-if-i-file-for-personal-bankruptcy-in-new-jersey-or-new-york/): At the Law Offices of Wenarsky & Goldstein, LLC, we are dedicated to guiding clients through the complexities of bankruptcy in New Jersey and New York, providing a beacon of hope for those facing financial adversity. Our experience in bankruptcy law is crucial for clients seeking a path to financial relief and stability. This comprehensive article serves as a vital resource, offering in-depth insights into the bankruptcy process. It clarifies which debts can be discharged and those that remain, enabling individuals like you to confidently navigate their financial journey.
- [What is the Difference Between Chapter 7 and Chapter 13 Bankruptcies in New Jersey?](https://wg-attorneys.com/what-are-the-differences-between-chapter-7-bankruptcy-and-chapter-13-bankruptcy-in-new-jersey/): The primary difference between Chapter 7 and Chapter 13 bankruptcies is how debts are handled. Chapter 7 is a liquidation bankruptcy that discharges qualifying debts in 3-6 months by selling non-exempt assets. Chapter 13 is a reorganization bankruptcy that allows you to keep assets while repaying debts through a court-approved plan over 3-5 years. Both provide an automatic stay that stops creditor harassment, collection calls, and foreclosure proceedings immediately upon filing.
- [What Are the Differences Between Conservatorships and Guardianships?](https://wg-attorneys.com/what-are-the-differences-between-conservatorships-and-guardianships/): In New Jersey, guardianships and conservatorships are legal means to protect adults with disabilities, each serving distinct roles based on the individual's condition and needs. While guardianship is a court-mandated role assigned after an adult is deemed incapacitated, conservatorship is a voluntary arrangement that does not require a declaration of incapacity. 
- [Myths Surrounding Bankruptcy](https://wg-attorneys.com/myths-surrounding-bankruptcy/): Are you worried about the consequences of filing for bankruptcy? When researching whether bankruptcy is right, many people come across half-truths and myths on the internet that confuse them and lead them astray. Although bankruptcy has some downsides, most people’s concerns regarding bankruptcy are usually based on bankruptcy myths.
- [Which Assets Can I Keep If I File a Chapter 7 Bankruptcy in New Jersey and New York](https://wg-attorneys.com/which-assets-can-i-keep-if-i-file-a-chapter-7-bankruptcy-in-new-jersey-and-new-york/): When you file for Chapter 7 bankruptcy, the bankruptcy law allows you to “exempt” or protect certain assets from your creditors and the bankruptcy court. These assets are called exempt property. That means exempt assets cannot be used to satisfy your creditors. In many cases, Chapter 7 filers find that substantially all of their assets are exempt, so they can keep their property and still receive a discharge from their debts.
- [What is the New York Statute of Limitations on Debt?](https://wg-attorneys.com/what-is-new-yorks-statute-of-limitations-on-debt/): Failing to pay a debt does more than shred your credit report. You can also be sued by your lender. New York, like other states, gives lenders or debt collectors a limited amount of time to bring a lawsuit. This deadline is set out in the New York Statute of Limitations, found in Article 2 of the New York Civil Practice Law and Rules (CPLR). If the deadline has passed, then you can get a lawsuit dismissed and not have to worry about the debt.
- [Common Foreclosure Scams: The Hidden Dangers in the Housing Market](https://wg-attorneys.com/common-foreclosure-scams/): Sadly, foreclosure scams remain a very serious problem. Unscrupulous parties try to take advantage of homeowners facing foreclosure who are struggling and desperately trying to save their homes.
- [Common Mistakes Made Before Filing for Bankruptcy](https://wg-attorneys.com/common-mistakes-made-before-filing-for-bankruptcy/): If you want to avoid common mistakes made before filing for bankruptcy, take a look at this guide made by the Law Offices of Wenarsky and Goldstein, LLC.
- [Long Island Bankruptcy Cases May Undergo Radical Changes](https://wg-attorneys.com/long-island-bankruptcy-cases-may-undergo-radical-changes/): In a decision dated February 28, 2022, Judge Grossman of the Central Islip division of the United States Bankruptcy Court for the Eastern District of New York, just gutted what has become a much used program in the bankruptcy courts AND simultaneously established what has never been had in a New York bankruptcy court: a no look Chapter 13 fee.
- [Chapter 7 Discharges in Bankruptcy – What do you get?  What is excluded?](https://wg-attorneys.com/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 question that is often asked is what debts are discharged in a Chapter 7 case. A general answer is that most unsecured debts get cleared out. The better question would be, however, what is not discharged? At the close of an ordinary individual Chapter 7 case, the Court will issue an Order of Discharge which says that every debt that can be discharged is discharged and that there is a permanent injunction against collection, enforcement, liens, etc arising from that debt. The Discharge Order is the goal of every bankruptcy case and is an incredibly potent tool.  It is NOT, however, absolute.  Some debts are not discharged in a Chapter 7 bankruptcy and certain secured debts can still be partially enforced.   Quick Overview: What Chapter 7 Bankruptcy Involves? Chapter 7 bankruptcy allows individual debtors and businesses to discharge most unsecured debts, including medical bills, personal loans, as well as credit card debt. However, the bankruptcy filer has to give up nonexempt assets. After the bankruptcy filing, the bankruptcy court appoints an impartial bankruptcy trustee to administer the case and liquidate the debtor's nonexempt assets. The trustee sells these assets to pay creditors. One of the roles of a Chapter 7 trustee in an asset case is to sell the debtor's nonexempt assets to maximize the return to the debtor's unsecured creditors. Before receiving Chapter 7 discharge, the debtor also has to complete a credit counseling course from an approved credit counseling agency. Bear in mind that certain debts can't be discharged. So, you may have to consult an experienced bankruptcy attorney for a detailed review of your debts. Non-Dischargeable Debts - Unsecured Debts There are several categories of debt that are automatically not discharged. These are the ones that I see the most in my practice because the others will relate more to business cases:   Income taxes that were incurred less than 3 years prior to filing, or were assessed less than 240 days ago or debts incurred to pay these taxes or debts resulting from a fraudulent return or tax evasion. Sales taxes or other "trust fund taxes" or debts to pay these taxes. Alimony or child support. Other debts resulting from a matrimonial court's order in a family matter. Student loans without a showing of undue hardship. Criminal fines/restitution. Fines or penalties that are payable to and for the benefit of a governmental entity - for example, EZ-Pass fines for failure to pay a toll. Creditors who are not listed in the event of an asset case (meaning there is money to go to creditors). Retirement (401K/Pension) loans. Some other kinds of debts may not be discharged if a creditor raises a successful challenge to them:   Debts incurred because of fraud or misrepresentation in writing or orally. Debts for fraud, embezzlement, larceny, or "defalcation while in a fiduciary duty" (like stealing from someone over whom you have power of attorney). Debts incurred because of the debtor's willful and malicious injury to another. Debts arising from a claim for personal injury or wrongful death due to the Debtor driving, boating, or flying while under the influence of alcohol, drugs, or other substances. Debts for luxury goods purchased in the 90 days pre-filing. Debts for cash advances taken within 70 days of pre-filing. If a creditor wants to challenge the dischargeability of a debt, OR if a debtor wants to say that a debt is dischargeable and a creditor disagrees, it is resolved via an adversary proceeding (a lawsuit), where the plaintiff seeks the Court's determination of a debt's dischargeability. You cannot determine a debt's dischargeability by a motion. You have to file the lawsuit (Fed. R. Bankr. P. 7001(4)).   Secured Debts - What Happens to Them in Chapter 7 Bankruptcy? A secured debt has two elements to it: (1) the actual debt and (2) the security interest. The debt is the personal responsibility of the debtor to pay the creditor a certain amount of money. For instance, if John borrows $30 from Jim and promises to pay Jim back. The security interest is the right of a creditor to take a piece of collateral if the debtor does not pay the debt, such as foreclosure on a house or repossession of a car. Security interests come in three main varieties:  (1) contractual, such as mortgages, car loans, and other agreements like merchant cash advances, (2) judgments, and (3) statutory liens such as condominium dues for a certain period or tax liens. Chapter 7 cases can have different effects on these liens.   Contractual Secured Debts (Cars, Mortgages, Secured Lending for Furniture, etc) In a Chapter 7 case, when dealing with most agreements for security, the lender may repossess the collateral in the event of a default even if the debtor files for bankruptcy after either (1) the issuance of a discharge or (2) the granting of a motion for relief from stay. The most common situation is if the debtor has not paid for either a car or a mortgage. In the event of the car, the lender can still repossess, but cannot chase the debtor for the deficiency after the car is repossessed and sold at auction unless the debtor has previously agreed to "reaffirm" the car. With respect to mortgages, lenders can still foreclose, but they cannot sue for a deficiency on the mortgage if the foreclosure sale does not generate enough money to pay off the mortgage. Another annoying factor is that all the mortgages stay as of record and must be paid off when the real property is sold if the debtor sells the property. That means that if the balances of the mortgages plus closing costs are more than the sales price, then the debtor will have to either do a short sale, bring cash to close, or walk away from the property. The debtor is not personally liable, but the mortgages have to get paid in order to give the buyer a clear title. The important thing to remember is that a discharge in bankruptcy is NOT the same as a discharge of mortgage. The former is a court injunction that prevents collections on a debt, the latter is a filing with the county land record office (or clerk) that states that the mortgage has been satisfied and paid off or that the lender is releasing the mortgage.   Lien Stripping or Cram Down in Chapter 7 Lien stripping refers to the legal principle applicable in Chapter 13 and Chapter 11 cases whereby a lien (usually a mortgage) that has no equity to underlie it can have the security stripped away and be treated as a general unsecured claim. This is a common remedy in a Chapter 13 case where the debtor will strip the lien from, for example, a second mortgage where the value of the property at the time of filing is less than the balance on the first mortgage.  Unfortunately, there is no lien stripping in Chapter 7. There used to be an exception for this in the 11th Circuit, but in 2015, the Supreme Court, in the matter of Bank of America, NA v. Caulkett, 135 S. Ct. 1995, 192 L.Ed. 2d 52, 83 U.S. 4379 (2015), decided that 11 U.S.C. §506 precluded a lien strip in Chapter 7 cases. The option to lien strip remains available in Chapter 13 and 11 cases.   Judgments Judgments create a lien on all assets of the debtor and are not automatically wiped clean. This usually creates an issue ONLY when the debtor has real property and the judgment creditor does not vacate the judgment voluntarily. In my district, liens are generally ineffective after the discharge is entered if there is no real property. If there is real property, sometimes the seller's title agency when they try to sell the house will require that a motion to avoid the judgment lien be filed in order to remove the same as of record. For most bankruptcy attorneys where I practice this is an "extra" and is not part of a standard case. You can either do this when in bankruptcy under 11 U.S.C. §522(f) or your state may have a supplemental procedure to do this in state court after a certain period from when the discharge was entered (for example, a motion under NJSA 2A:16-49.1). These usually pop up as a concern when a person filed for bankruptcy years ago and was unconcerned because they were current on the mortgage and may not have even realized that there was a judgment. The bankruptcy gets discharged and then when they go to sell the house 5 or 10 years later, the judgment pops up on a title and has to get cleaned up.   Statutory Liens and Tax Liens These are liens that exist solely because of state law, such as Homeowners Association liens, tax liens, and mechanics liens. These cannot be avoided and remain on the property after a Chapter 7 case. What do You do with Non-Dischargeable debt? If your debt is not dischargeable in Chapter 7, it might be dischargeable in Chapter 13. If the debt is still non-dischargeable a Chapter 13 case could still allow you to create a payment plan to take care of the non-dischargeable debt in an affordable manner. Sometimes a Chapter 11 case might be the best way to move forward. For more information about what might be a good solution for your personal financial situation, contact the Law Offices of Wenarsky & Goldstein, LLC at 973-221-5919 or make an appointment to discuss your financial issues and what can be done to alleviate them!          
- [Sheriff’s Sales are Happening In New Jersey](https://wg-attorneys.com/sheriffs-sales-are-happening-in-new-jersey/): In 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 trouble paying your mortgage because of COVID.As of September 7, 2021, the sheriff's sales have started again in New Jersey.Evictions as a result of sheriff's sales are still on hold until November 15, 2021, but that will not stop you from losing your home if you are behind.Now is the time to act.It is not too late.
- [What is happening with Foreclosures?](https://wg-attorneys.com/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 mortgage servicing rule, which goes into effect on August 31, 2021.  This new rule is temporary and expires December 31, 2021.  After that, it is back to pre-pandemic business as usual in the world of foreclosure and debt.The general rule has always been that a mortgage cannot be referred to foreclosure unless it has become more than 120 days delinquent.  The new rule extends that slightly by requiring additional options to be offered to a delinquent borrower, including streamlined modifications and other relief.  If the borrower does not respond or the property is abandoned the foreclosure process can just start.  If the borrower was more than 120 days delinquent before March 1, 2020, these provisions do not apply.Here's my latest video discussing what relief there is.If you have questions or need to figure out how to deal with an issue like this that you are dealing with, please contact me.
- [What gets discharged in a Chapter 7 case?  The better question is what does NOT get discharged.](https://wg-attorneys.com/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 what debts are discharged in a Chapter 7 case.  A general answer is that most unsecured debts get cleared out.   The better question would be, however, what is not discharged?At the close of an ordinary individual Chapter 7 case, the Court will issue an Order of Discharge which says that every debt that can be discharged is discharged and that there is a permanent injunction against collection, enforcement, liens, etc arising from that debt.  The Discharge Order is the goal of every bankruptcy case and is an incredibly potent tool.  It is NOT, however, absolute.  Some debts are not discharged in a Chapter 7 and certain secured debts can still be partially enforced:
- [When Should You Choose Chapter 13 Over Other Forms of Bankruptcy](https://wg-attorneys.com/when-should-you-choose-chapter-13-over-other-forms-of-bankruptcy/): 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.
- [CARES is coming to an end soon for some – What NOW?](https://wg-attorneys.com/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 forbearance, but at some point the bill becomes due.  For many people who got the first round of forbearance that time is coming soon!
- [What’s happening with Foreclosures in New York and New Jersey](https://wg-attorneys.com/whats-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 also placed moratoriums in place for federally backed loans (FHA, USDA, VA, Fannie Mae and Freddie Mac).  In recent months, however, things have been looking up with respect to public health and the economy, which means that the time for moratoriums is coming to an end.  Here is what the status is of foreclosures and evictions as of May 17, 2021.
- [We now have a YouTube Channel!!!!](https://wg-attorneys.com/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 this link.
- [When is it too late to save a home from foreclosure in Bankruptcy](https://wg-attorneys.com/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?](https://wg-attorneys.com/when-is-a-student-debt-not-a-student-loan-for-bankruptcy-purposes/): 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 discharged is not even a real student loan!
- [Foreclosures and Evictions in NJ](https://wg-attorneys.com/foreclosures-and-evictions-in-nj/): I am listening to a continuing education program for Chapter 13 bankruptcy practitioners in New Jersey.  Here's an update, county by county as to sheriff's sales, foreclosures and evictions:
- [Bankruptcy for a Small Business Under Sub-Chapter V](https://wg-attorneys.com/bankruptcy-for-a-small-business-under-sub-chapter-v/): Bankruptcy for a small business or an individual engaged in business has never been an easy thing. Assuming that you want to stay in business and you need to reorganize in order to address overly expensive leases, over-extension of secured credit, unsecured bills that have piled up, or a host of other issues, the barrier to entry into the bankruptcy system has always been high.
- [Your Special Needs Child is Turning 18!!  Now What?!?!](https://wg-attorneys.com/your-special-needs-child-is-turning-18-now-what/): Before I get into the meat of this post, a little background:  I am a special needs parent.  My mother is a teacher of the disabled.  My brother has significant physical and learning differences.  Before I was ever an attorney, I knew that kids with special needs needed certain legal accommodations because I watched my parents fight for my brother to get the accommodations he needed.    Fortunately, my brother has normal cognition so there is no need for major legal fighting for him right now, as he is a functional adult.Fast forward to my adulthood.  My wife and I were blessed with beautiful twin daughters.  My younger child has a very rare genetic condition that leaves her with severe impairments both physical and cognitive.  I had never looked at disability from my perspective as a lawyer but when we received her diagnosis it hit me square in the face:  she was NEVER  going to be able to fend for herself in this world.  She would always need us to care for her.  So I did what I was trained to do - I researched what happens when severely disabled kids grow up.  It's complicated.Now to the real reason to post this - what happens when a disabled child turns 18?   The same thing that happens when a typical child does:  they become adults and can do whatever they want!  Slight problem, depending on the disability, that individual may lack the mental capacity to act as an adult.  Nevertheless on the disabled person's 18th birthday HIPAA and other privacy laws kick in and you as the parent can no longer get medical or educational information.  You are no longer that person's legal guardian as they are now adults.  Obviously, with individuals with complex medical and educational needs this is not a good thing.  What you would then need to do is seek guardianship through the courts.Guardianship is the legal process by which the Court determines that an individual is incapacitated by reason of their medical, psychological or other condition and lacks the ability to manage their affairs.  This can be to various degrees, and the Court can either grant a full or plenary guardianship or limit that guardianship.  The AIP (alleged incapacitated person) gets an attorney because their rights are going to necessarily be abridged, since the proposed guardian will be able to make decisions for them both financial and medical.  So, why do this?  For many, this is necessary to maintain the ability to direct medical and personal decisions for your kids who cannot do it for themselves due to lack of intellectual capacity.It's never an easy decision to take guardianship of  your now-adult child.  That said, sometimes you have to do what you have to.  In some cases, its an easy call.  In other cases its a balancing act - what does your child/loved one need versus what can they do for themselves.  Taking on guardianship is one of the most selfless things one can do.  Over the years, I have had the pleasure of representing many parents who have continued to care for their children, siblings who stepped up to the plate and children who have taken on the burden for their families where the prior generation didn't take formal action.  I have also represented AIPs and had the privilege of interviewing them and their families and seeing how deeply the proposed guardians care for their loved ones.  It's one of the few areas of practice where something beautiful comes of out adversity.In my practice the Law Offices of Wenarsky & Goldstein, one of our areas of expertise is helping families determine if guardianship is the right way to move forward and shepherding them through the process.  Call us for a consultation, or make an appointment online.
- [Zero Down Bankruptcy is Not As Great as It Sounds](https://wg-attorneys.com/zero-down-bankruptcy-is-not-as-great-as-it-sounds/): Good morning to everyone.  This is the inaugural post to my firm's blog and I wanted to start out with a recent Facebook Live post that I made.  One of the major concerns that a lot of my clients have is paying for services.  I spend a lot of my time on bankruptcy matters, so my clients generally do not have a lot of money.  There are a few firms out there who offer "Zero Down Bankruptcy"  In my opinion, this does a disservice to clients because (1) collecting pre-petition balances is a stay violation, (2) it's a conflict of interest, and (3) they are paying more than they should for the EXACT same service that you charge less for if you are not doing a zero down program.Here is my FB Live post.  If you have any questions, please contact me.

## Pages
- [Areas We Serve](https://wg-attorneys.com/areas-we-serve/): We regularly assist clients throughout New Jersey and New York. Reach out and we will let you know how we can help.
- [Probate Lawyer Somerset County](https://wg-attorneys.com/probate-lawyer-somerset-county/): Bringing quiet reassurance to difficult family transitions.
- [Somerset County Guardianship Lawyer](https://wg-attorneys.com/somerset-county-guardianship-lawyer/): Choosing a Somerset County guardianship lawyer is a serious decision. Here is what sets the Law Offices of Wenarsky and Goldstein, LLC apart.
- [Estate Planning Attorney Union County](https://wg-attorneys.com/estate-planning-attorney-union-county/): Your legacy deserves a plan.
- [Probate Lawyer Hudson County](https://wg-attorneys.com/probate-lawyer-hudson-county/): Your estate. Your family. Handled right.
- [Probate Lawyer Essex County](https://wg-attorneys.com/probate-lawyer-essex-county/): A mistake in the Essex County Surrogate's Court can delay an estate for months. Families often don't know what steps to take or what their legal rights are. That's where having a probate lawyer Essex County residents can rely on makes a real difference.
- [Trust Attorney Essex County](https://wg-attorneys.com/trust-attorney-essex-county/): Your trust. Your terms. Your family protected.
- [Estate Planning Lawyer Hudson County](https://wg-attorneys.com/estate-planning-lawyer-hudson-county/): Your legacy deserves a plan.
- [Estate Planning Lawyer Morris County](https://wg-attorneys.com/estate-planning-lawyer-morris-county/): Your legacy. Your rules.
- [New Jersey Elder Law Attorney](https://wg-attorneys.com/areas-of-practice/new-jersey-estate-planning-attorney/elder-law/): Choosing the right New Jersey elder law attorney matters. At the Law Offices of Wenarsky and Goldstein, LLC, our work is grounded in real experience, clear focus, and a genuine commitment to families across New Jersey.
- [Revocable Living Trust NJ](https://wg-attorneys.com/revocable-living-trust-nj/): Discover how a revocable living trust in NJ can enhance your estate planning with insights from the Law Offices of Wenarsky and Goldstein, LLC. Call now.
- [NJ Inheritance Laws](https://wg-attorneys.com/new-jersey-inheritance-laws/): Learn about New Jersey inheritance laws, including tax implications, probate processes, and legal strategies from the Law Offices of Wenarsky and Goldstein, LLC.
- [New York Special Needs Planning Attorney](https://wg-attorneys.com/special-needs-planning-attorneys-ny/): When your child or loved one has special needs, securing their future requires more than standard estate planning—you need a New York special needs planning attorney who understands the complex intersection of disability law, government benefits, and trust administration. 
- [Business Succession Planning Lawyer New Jersey](https://wg-attorneys.com/areas-of-practice/new-jersey-estate-planning-attorney/business-succession-planning/): Legal Services for Business Succession Planning and Continuity Throughout New Jersey.
- [New York Business Bankruptcy Lawyer](https://wg-attorneys.com/business-bankruptcies-in-new-york/): Finding money for legal representation during financial distress presents a significant challenge. Some bankruptcy attorneys offer flexible payment arrangements, including reduced initial retainers and payment plans tailored to your situation. Many New York business bankruptcy lawyers provide consultations to evaluate your case. When funds are depleted, explore payment plans that align with your limited cash flow capabilities. 
- [Guardianship Attorney New Jersey](https://wg-attorneys.com/areas-of-practice/guardianship-lawyer-nj/): Guiding New Jersey Families Through Guardianship
- [Manhattan Bankruptcy Filing Guide](https://wg-attorneys.com/manhattan-bankruptcy-filing-guide/): The Manhattan bankruptcy filing guide covers the basics for most cases.
- [Bankruptcy Lawyer Manhattan Beach](https://wg-attorneys.com/bankruptcy-lawyer-manhattan-beach/): Relief starts with one honest conversation.
- [Personal Bankruptcy](https://wg-attorneys.com/new-york-personal-bankruptcy-attorney/): Our first step is a full review of your finances. We look at what you owe, what you own, and what your income is. From there, we can see which path makes the most sense for you. Either Chapter 7 or Chapter 13 Bankruptcy. 
- [New Jersey Irrevocable Trust Attorney](https://wg-attorneys.com/areas-of-practice/new-jersey-estate-planning-attorney/irrevocable-trust/): In most cases, you can transfer new assets into an irrevocable trust after it is set up, but each transfer may have tax and eligibility consequences. A New Jersey irrevocable trust attorney can review the impact before you move any assets in.
- [New Jersey Contested Will Attorney](https://wg-attorneys.com/areas-of-practice/new-jersey-estate-planning-attorney/contested-will/): Protect your and your family's future across New Jersey
- [Filing for Bankruptcy in Queens](https://wg-attorneys.com/filing-for-bankruptcy-in-queens/): If you own real estate in Queens, the stakes are even higher. A co-signer on a loan, a joint owner of a property, or a lien on your home can all affect how your case unfolds. Filing for bankruptcy in Queens doesn't automatically erase liens.
- [Middlesex County Guardianship Lawyer](https://wg-attorneys.com/middlesex-county-guardianship-lawyer/): Protecting your loved one's future starts here.
- [Bankruptcy Lawyer Elizabeth, NJ](https://wg-attorneys.com/bankruptcy-lawyer-elizabeth-nj/): Debt doesn't wait. Neither should you.
- [Bankruptcy Attorney Morristown, NJ](https://wg-attorneys.com/bankruptcy-attorney-morristown-nj/): Real relief. Real results.
- [Bankruptcy Attorney Hackensack, NJ](https://wg-attorneys.com/bankruptcy-attorney-hackensack-nj/): Real relief. Right here in New Jersey.
- [Manhattan Chapter 11 Bankruptcy Attorney](https://wg-attorneys.com/manhattan-chapter-11-bankruptcy-attorney/): Choosing a Manhattan Chapter 11 bankruptcy attorney is a big decision.
- [Special Needs Planning Attorneys in NJ](https://wg-attorneys.com/areas-of-practice/special-needs-planning-attorneys/): In New Jersey, special needs planning attorneys can help you navigate complex regulations governing Supplemental Security Income (SSI), Medicaid benefits, medical assistance and other government programs crucial for individuals with developmental disabilities.
- [Probate Lawyer New Jersey](https://wg-attorneys.com/areas-of-practice/new-jersey-estate-planning-attorney/probate/): Your estate deserves a clear path forward.
- [Protecting Your Legacy with a Trust Lawyer in New Jersey](https://wg-attorneys.com/areas-of-practice/new-jersey-estate-planning-attorney/legacy-trust/): Your legacy deserves more than a handshake.
- [Living Trust Attorney New Jersey](https://wg-attorneys.com/areas-of-practice/new-jersey-estate-planning-attorney/living-trust/): Plan Today, Protect Tomorrow
- [Chapter 7 Bankruptcy Eligibility](https://wg-attorneys.com/chapter-7-bankruptcy-eligibility/): This guide explains the main Chapter 7 bankruptcy eligibility requirements and what to consider before filing in New Jersey.
- [Chapter 13 Bankruptcy Attorney New Jersey](https://wg-attorneys.com/areas-of-practice/bankruptcy-attorney-nj/chapter-13/): Home -
- [Business Bankruptcy Attorney New Jersey](https://wg-attorneys.com/areas-of-practice/bankruptcy-attorney-nj/business-bankruptcies-insolvency/): Legal options for businesses in a financial crisis.
- [Bankruptcy Litigation Attorney New Jersey](https://wg-attorneys.com/areas-of-practice/bankruptcy-attorney-nj/bankruptcy-litigation/): When disputes arise inside a bankruptcy case, you need a bankruptcy litigation attorney in New Jersey who knows how to respond fast and respond strategically. At the Law Offices of Wenarsky and Goldstein, LLC, we handle these disputes for individuals and businesses across the state.
- [Staten Island Wills Lawyer](https://wg-attorneys.com/staten-island-wills-lawyer/): Planning your will is an important step you can take to protect your family and assets. It ensures that your wishes are respected when you are no longer around. It also helps prevent potential conflicts among loved ones. If you are in Staten Island and need help with your will, reliable legal support is key. A Staten Island wills lawyer can guide you through this process.
- [Bankruptcy Means Test NY](https://wg-attorneys.com/ny-bankruptcy-means-test-2025/): Guidance for New Yorkers during bankruptcy means testing
- [Bankruptcy Lawyer in Newark, NJ](https://wg-attorneys.com/bankruptcy-lawyer-in-newark-nj/): Trusted Newark bankruptcy relief when debt overwhelms you.
- [Chapter 7 Bankruptcy Attorney New Jersey](https://wg-attorneys.com/areas-of-practice/bankruptcy-attorney-nj/chapter-7/): Choosing a New Jersey Chapter 7 attorney means putting local experience and relationships to work for you. At the Law Offices of Wenarsky and Goldstein, LLC, our roots in New Jersey give you distinct benefits when facing bankruptcy:
- [Bankruptcy Attorney Livingston, NJ](https://wg-attorneys.com/bankruptcy-attorney-livingston-nj/): Real relief starts with the right attorney.
- [Estate Planning Lawyer Essex County](https://wg-attorneys.com/estate-planning-lawyer-essex-county/): Your family's future deserves a plan.
- [Student Loan Bankruptcy Brooklyn](https://wg-attorneys.com/student-loan-bankruptcy-brooklyn/): Real relief may be closer than you think.
- [Chapter 11 Bankruptcy Attorneys in Brooklyn](https://wg-attorneys.com/chapter-11-bankruptcy-attorneys-in-brooklyn/): Debt doesn't have to mean the end.
- [Brooklyn Bankruptcy Court](https://wg-attorneys.com/brooklyn-bankruptcy-court/): The Brooklyn bankruptcy court is part of the US Bankruptcy Court for the Eastern District of New York. It serves Brooklyn, Queens, Staten Island, and Long Island. If you live in one of these areas and need to file for bankruptcy, this is likely your court.
- [Bankruptcy Litigation Attorney Brooklyn](https://wg-attorneys.com/bankruptcy-litigation-attorney-brooklyn/): Your debt battles deserve a dedicated fight.
- [Brooklyn Personal Bankruptcy Attorney](https://wg-attorneys.com/brooklyn-personal-bankruptcy-attorney/): Working with a Brooklyn personal bankruptcy attorney who knows these courts and procedures can make a real difference in how your case goes.
- [Small Business Bankruptcy Lawyer Brooklyn](https://wg-attorneys.com/small-business-bankruptcy-lawyer-brooklyn/): Yes, but payroll tax debt is treated as a priority claim, which means it typically cannot be discharged in Chapter 7. A small business bankruptcy lawyer Brooklyn businesses rely on can review your full tax liability and help you build a plan to address it.
- [Estate Planning Lawyer Edison, NJ](https://wg-attorneys.com/estate-planning-lawyer-edison-nj/): Protect your family’s future with trusted guidance.
- [Bankruptcy Lawyer Edison, NJ](https://wg-attorneys.com/bankruptcy-lawyer-edison-nj/): Debt relief is possible for Edison families.