Blog

On February 17, 2021, the New Jersey Supreme Court in Maison v. New Jersey Transit Corporation, et al.  issued an opinion that heightened the standard of care owed to passengers on the New Jersey...

One of the most difficult issues that arise during a personal injury case is when the insured’s/defendant’s insurance company seeks to disclaim liability coverage. This can be extremely frustrating...

A few days ago, I met a couple from New Jersey looking for financial assistance. As we went over their financial difficulties, they began telling me about this “debt consolidation program” they were...

In March 2020, thousands of businesses were forced to shut down,many Americans were left without a job, and millions applied for unemployment benefits. According to State of New Jersey’s Department...

Discharge in bankruptcy means to eliminate, or wipe out, a debt. Under a Chapter 7 Bankruptcy for example, unsecured debt, such as credit cards, personal loans, or medical bills, can be completely...

Although we’re still a couple of months away, the April 15th tax deadline will be here before you know it, and if you already owe income taxes for previous tax years, you could be facing an even...

On January 18, 2022, Governor Murphy signed a historic bill that will permit an insured to file a bad faith claim against its own insurance company where it fails to reasonably settle an...

Due to COVID-19’s continuing negative impact on the economy, thousands of New Jersey residents are still experiencing financial difficulties. Among these are homeowners receiving foreclosure...

As the student loan debt crisis in America becomes more alarming, and with the U.S. reaching $1.73 trillion dollars student loan debt, the options to eliminate such debts are grim at best. As recent...

A severance agreement is a contract that employers often ask employees to sign upon termination. These agreements soften the blow of a firing or layoff because, in such agreements, an employer agrees...

The new law requiring insurance companies to disclose the policy limits before a lawsuit is filed to an injured party’s attorney will have a substantial positive impact on settlement discussions....

Background of S-1558

On July 22, 2021 Governor Murphy signed into law S-1558. This new law requires auto insurers to disclose policy coverage limits to an injury victim when requested by their...

The gift of mobility is something we often take for granted. After getting injured, there are many things that you may need assistance with – physical, let alone tedious, tasks. Then, you have...

Illness, divorce, foreclosure, and job loss—almost everyone will face one or more of these issues at some point in their lives, if not all of them at the same time. If you've ever been in this...

The vast network of roads and highways in New Jersey means that they are inescapably some of the busiest in the country, thus making car accidents a very common sight, and the predominant auto...

President Biden signed the “COVID-19 Bankruptcy Relief Extension Act” into law on March 27, 2021. Now, personal and small business bankruptcy relief provisions of last year’s CARES act are extended...

In New Jersey, after a buyer and seller sign a contract for purchase/sale of real estate, such as a house, there is typically a three-day attorney review period. This three-day review period is a ...

The Covid-19/Coronavirus Pandemic has created a new defense to commercial leases and contracts into our legal landscape in New Jersey. Many businesses are unable to pay on their leases or perform on...

Wear and tear injuries are often overlooked by employees, dismissed as nothing significant, even though these injuries, developed over time, can merit workers’ compensation aid as occupational...

A Merchant Cash Advance (“MCA”) allows an MCA provider (“buyer) to purchase future credit or debit card sales from the merchant (“seller”). The payback amount depends on the merchant’s sale volume....

Update as of 6/14/21

Jamal Romero, Esq: Has the pandemic left you without a job and you can’t afford to move. Have you ever wondered if you can stop an eviction proceeding? The following information...

When you are behind on your mortgage payments, it is only a matter of time before you ask how long you have before the foreclosure process begins. In New Jersey, when you take out a mortgage loan,...

When you file for bankruptcy, you are often struggling to overcome the fees and debts that have smothered your financial status, so when you are offered a solution to escape that debt, your first...

When you file for bankruptcy, you often feel marked by the filing. Whether you’re buying a new car or looking for a new apartment to rent, you remain conscious that your bankruptcy will follow you....

When someone researches bankruptcy for the first time, they come across individuals discussing their experiences with two entirely different forms of bankruptcy: Chapter 7 or Chapter 13. Bankruptcy,...

Some parents do not see the harm in letting their underage children drink a little, but everyone should understand the dangers of giving an underaged person a drink before letting them drive drunk,...

A Merchant Cash Advance (“MCA”) allows an MCA provider (“buyer") to purchase future credit or debit card sales from the merchant (“seller”). The payback amount depends on the merchant’s sale volume....

It is hard to know how to file a personal injury lawsuit if you have never known someone who sued another party for damages. The process might seem unknowable or beyond understanding from the...

In New Jersey, understanding PIP coverage is essential, as it might be required to protect yourself when you need medical coverage. To illustrate how, consider this: the worst has happened: you are...

In theory, construction sites build. They are designed to help build towers to the sky, replaced damaged property with functional equivalents, and add curbside appeal to cities and towns in need of...

People injure themselves just by living their normal lives. The world is full of things that can hurt you. On occasion, these accidents are no one’s fault. These occasions, however, are few and far...

There is a pile of envelops, unopened, piling like a mountain outside your door – so dense and heavy you cannot escape your home. The statements from the bank reveal your accounts are empty. You have...

People know what murder is. They know what it means when a person dies in a vehicle crash or as the result of medical malpractice. These are terms that are familiar enough to a regular person that...

Reckless driving and reckless walking can lead to some unsafe situations. When someone drives around without looking at the road or walks on the road without looking, things, unsurprisingly, will go...

We are proud to present the first consensual Chapter 11 Subchapter V Bankruptcy Plan of Reorganization for an individual debtor. Here, the Debtor’s proposed plan of reorganization was approved by the...

Personal Injury cases often deal with car accidents. People can be seriously hurt or injured by a vehicle when driving. You might find yourself rammed from the side, rear-ended, or cut off in abrupt...

If you are a fan of police or legal procedural shows, you might be shocked by the New Jersey legal system’s lack of familiar criminal jargon. The state of New Jersey does not have “felony” or...

Marriage is a life-altering event for so many people. However, so is bankruptcy. When the two become embroiled in one another, things can quickly unravel into a complicated, involved mess. Such is...

You got your credit report in, and it is not looking too great for your score. Due to a myriad of unfulfilled financial commitments, your credit score is too low to take out new loans. For now, you...

When you hear that a vehicle crashes into a pedestrian, the first assumption is the driver was speeding or not paying attention to the road. When pedestrians are walking on the sidewalk or crossing...

We at Scura are always thinking about how to help more people. We seek to connect to families and businesses who might be facing a new set of financial woes or physical injures. To that end, we’re...

It is not an understatement to say that filing for bankruptcy can impact your credit score. Many fear the intense impact such a filing can have on their score, fearing apocalyptic repercussions of...

Everyone possesses something that carries with it great emotional value. It can be a possession we cherish, put on display, tell others its worth, and maintain even as years – decades, even – pass....

Every cyclist’s worst fear is being struck by a car while on the road. They might do everything right, driving along the curb with a helmet, a bell, and a light source for night driving. None of that...

Trauma doesn’t come with a price tag. If your car gets broken in, there’s monetary value to how much a new window or door may cost. If your leg breaks, therapy and hospitals will give you a fee for...

A lot of uncertainty comes when filing for bankruptcy. You set out in life with dreams of financial prosperity, only to need bankruptcy relief when life gets in the way. There are several anxieties...

The worst has happened. You’re driving your vehicle on the open road, eyes ahead. You are obeying every rule of the road, doing everything right. Then, something strikes your vehicle. Maybe a truck...

After you make an offer to buy a house and the seller accepts that offer, a pre-printed form of contract is usually prepared by a realtor setting forth the essential terms and is singed by both the...

Your fundamental and continuing obligation as a witness is to tell the truth. There can be no departure from that rule. However, the following are guidelines that may generally assist you in...

Scura, Wigfield, Heyer, Stevens & Cammarota, LLP, attorneys Peter Cammarota and Joe Hallock feature in this new special webinar. In this collaboration with New Jersey’s Seton Hall Alumni...

Property is the ultimate form of collateral. In New Jersey, when you take out your mortgages and pay your taxes, you offer up your property and home as collateral in case you fail to meet said...

Liens can be a complicated problem for many individuals dealing with heavy debt issues. A lien is a claim or legal right against assets, most often property or real estate, which are utilized as...

Fox and Falcon, a well-established bar and restaurant located in South Orange, New Jersey, has filed suit against Connecticut-based Hartford Insurance for failing to pay on the business interruption...

Small Business Administration (SBA) loans are no different than other debt and are dischargeable in business bankruptcy. An individual that has personally guaranteed a debt may also discharge an SBA...

Sometime in the not so distant future, the government shutdown associated with the COVID-19 pandemic will be over and businesses will start to re-open. In anticipation of this re-opening, businesses...

I am often asked how I can be so optimistic when my job is working with people going through perhaps the most difficult time in their lives. It’s easy: my job is to make things better.  I am a...

If You Are Self-Employed or Have a Small Business, You Need To Read This:

Due to the current economic and social landscape caused by COVID-19, schools are closed, people are under quarantine, there’s...

The COVID-19 pandemic has put the entire country in an economic crisis. For many people, it might be overwhelming for people to map out a proper strategy to stay afloat, even as we begin to emerge...

The impacts of COVID-19 continue to change our lives on a daily basis. The response by the Federal and State governments has immeasurably changed the way we live and conduct business. Employers and...

If you are an individual in need of a bankruptcy reorganization plan, you may be wondering whether you should be filing a chapter 11 bankruptcy case or a chapter 13 bankruptcy case. This blog will...

Having a civil judgment against you can serious financial consequences. First, civil judgments can be recorded as liens against any land you own within New Jersey. Judgment liens have to be satisfied...

Unlike other financial issues such as credit card debt, medical debt is not caused by unwise monetary choices, but rather it is often caused by unforeseen circumstances. The issue is cyclical: You...

When an individual is contemplating the best strategy to keep their residence through a chapter 13 bankruptcy plan, a key consideration is generally whether to pursue a loan modification or a cure...

Chapter 11 cases are more complicated bankruptcy cases in many ways and much more is required of a debtor in Chapter 11 than in a chapter 7 or chapter 13 case. The debtor's failure to comply with the...

If you are contemplating a lawsuit against another individual or entity, you must make sure that you bring your lawsuit prior to the expiration of the applicable statute of limitations. This blog...

The State of New Jersey does not use the often-heard terminology of “felonies” and “misdemeanors” when classifying criminal offenses, but rather classifies criminal infractions as either indictable...

When a Debtor is Considering Bankruptcy and Maintains a Personal Injury Claim

When individuals file for bankruptcy, they are required to disclose all their assets and liabilities. However, some...

Life insurance policies are a frequently utilized estate planning tool. A life insurance policy is a contract between the insurer and the insured for the benefit of the beneficiary. Vasconi v....

Like many jurisdictions, New Jersey has enacted laws that prohibit the transfer of assets intended to avoid the reach of creditors. In New Jersey, this law is known as the New Jersey Uniform...

Previously, I had written a blog exploring what at that time was an unsettled area of the law. That blog explored whether you could utilize a preference avoidance action pursuant to 11 U.S.C. § 547...

Accidents involving Uber or Lyft and the insurance issues involved are much different from normal auto accidents especially where you are the passenger in the Uber or Lyft car, a pedestrian struck...

With increasing business competition, employers in New Jersey often try and have key executives and salespeople sign restrictive covenants containing non-compete and non-solicitation provisions....

In any chapter 13 bankruptcy case, the maximum plan period for any case is sixty months from when the case is filed. While at the outset of your case it may seem manageable to maintain your ongoing...

A bankruptcy case begins when a debtor files a bankruptcy petition in a bankruptcy court.The start of the case creates a bankruptcy estate, which contains “all legal or equitable interests of the...

The most beneficial protection provided to individuals and corporate entities filing during bankruptcy proceedings is the “automatic stay”. The automatic stay is immediately invoked upon the filing...

While individual debtors are permitted to use power of attorneys during bankruptcy proceedings, there are rare circumstances that obtaining a guardian ad litem for an incompetent individual may be...

Effective January 25, 2020, private employers in New Jersey will be prohibited from requiring applicants to provide wage and salary history in connection with an offer of employment. Specifically,...

Update as of 6/14/2021

When filing for bankruptcy, you must file a bankruptcy petition. The Bankruptcy Code requires that the bankruptcy petition contain all of your assets. An asset, which you might not think is an asset,...

Recently, I successfully represented a debtor in an adversary proceeding brought by creditors (the Plaintiffs) seeking to have the debt owed to them declared non-dischargeable pursuant to 11 U.S.C. §...

“Lawsuits are war. It’s as simple as that and they all begin the same way; a declaration of war: the complaint.” -John Grisham, A Civil Action. After the complaint, the war is waged through discovery...

In a recent experience with a client (“Jane Doe”), she began by telling me that after six months of infusing her franchise with cash directly from her retirement accounts, the franchise was doing...

It is nearly impossible to predict what the future holds in life. Therefore, when you enter a five-year chapter 13 bankruptcy plan, you never know what life changes may be thrown your way during the...

Foreclosure is the judicial process by which a lender takes title and possession to property after a homeowner stops making mortgage payments. Generally, a “mortgage” is comprised of a promissory...

 Every day new companies open their doors, employ a workforce, and provide valuable services and products to help sustain our economy.  Clearly, not all businesses are successful, particularly small...

           One of the most common personal injury actions relate to an individual losing their balance and subsequently suffering injuries from a fall. Generally, when a fall occurs you can’t help...

In many instances, marital couples intertwine their financial affairs. This causes the vast majority of both real and personal property owned by the marital couple to be jointly owned property. This...

Remodeling or adding to your home is often a necessary undertaking to stay current and accommodate a growing family. It is also a stressful and costly endeavor. During the process, homeowners...

In personal injury cases, the courts in New Jersey do not allow the attorney to ask the jury to award a specific amount of money for pain and suffering or non-economic losses.For example, an attorney...

One of the more difficult issues that can evolve during a personal injury case is the assertion of liens by a healthcare insurance carrier and provider, Medicaid and Medicare, and workers’...

According to a recent study conducted by the Federal Bank Reserve of New York, 7 million Americans with auto loans were 90 or more days delinquent in 2018.  More importantly, the study demonstrates...

If someone has obtained a judgment against you and docketed that judgment with the clerk of the superior court in Trenton, then that judgment-creditor has obtained a lien on all your real property...

Chapter 11 bankruptcy reorganization has and remains a viable option for companies in distress.The Bankruptcy Court provides a singular judicial forum where all creditors are required to participate....

While the thrill of riding motorcycles is second-to-none, the risks associated with operating a motorcycle are evident. Those risks are generally unrelated to trained motorcyclist operating a bike in...

New Jersey’s Wage and Hour Law (the “NJW&H Law”) protects the rights of most hourly employees. If you are an employee being paid on hourly basis, whether minimum wage or not, it is important to...

According toNJ Advanced Media, New Jersey leads the nation in residential foreclosures. Nearly 70,000 properties were foreclosed upon last year.If foreclosure is approaching and you still don’t know...

 Everyone knows the dangers of drinking and driving - yet, so many people still drive on our roadways after a night of drinking. Despite efforts to stop - or at least curb - drinking and driving,...

Filing for divorce is never an easy process. This can become more complicated when one of the spouses seeks to file for bankruptcy in the middle of a pending divorce proceeding. This blog will...

Some people are more susceptible to injury because of a preexisting degenerative medical condition. That preexisting degenerative medical condition may, however, not be causing the person any pain....

In 2018, New Jersey saw several significant developments in the area of employment law. Litigation involving the validity of arbitration clauses and non-disclosure agreements with respect to...

One moment, you might be walking in a winter wonderland - the next moment, you have fallen and can't get up. 

 The older we get, the more we realize that winter and snow days are not all about fun...

More retirees in New Jersey and throughout the United States are filing for bankruptcy relief as they struggle to pay basic living expenses. According to a study published by the Consumer Bankruptcy...

If you are like most people, you might think that “foreclosure” in New Jersey is just another way of saying “the end of the world.” While it is true that home foreclosurescan be stressful, scary, and...

If you are considering bankruptcy, you are not alone. 

Despite drivers’ best efforts, rear end collisions happen every day. There can be many causes of rear end collisions. Common causes include inattention, distracted driving, texting, and bad weather....

Americans currently exceed $13 trillion dollars of outstanding household debt. Within that amount, $9 trillion is related to mortgage balances, $1.5 trillion is related to educational loans, and $2...

Accidents that involve public transportation can be severe because of the number of people that they affect. Public bus accidents, for example, can impact a great deal more people than the average...

It is never too early or too late to start planning ways to protect your family finances for the future. Wills and trusts are very important legal tools for you to protect your loved ones from making...

A Power of Attorney is a unique legal document that permits a designated party for conducting certain transactions on behalf of an individual. Some of these transactions may relate to insurance,...

The loss of life is tragic for family members and on rare occasions loss of life may occur during a bankruptcy proceeding. If you are a successor-in-interest to a decedent’s estate that is in a...

Clients often ask if they qualify for a Chapter 7 bankruptcy.  People may not know much about bankruptcy before calling my office, but there is a general anxiety as to whether they will be "forced"...

Be Careful to Bring A Lawsuit in Time For Personal Injuries

Dealing with any type of financial challenges could be overwhelming, emotional and in some cases, embarrassing. With regards to business debt, our firm understands that business owners in New Jersey...

If you are considering filing for bankruptcy, you may be wondering about your obligations during the bankruptcy process. Outside of the requirement that you attend your 341a hearing, another...

Many people filing for bankruptcy are concerned that their chapter 7 or chapter 13 bankruptcy filing will have an impact on their non-filing spouse. Therefore, if you are in this situation, then you...

If you have a judgment or multiple judgments that have been entered against you, then you may be wondering if you can discharge or get rid of your liability on those judgments in a bankruptcy case....

The evening news reports that this year's flu strain will be particularly bad. They predict, however, that the current flu vaccination will be very effective in fighting this strain of flu. The...

On July 1, 2018, New Jersey's Equal Pay Act (hereinafter "NJ EPA") will become effective. Unlike its federal counterpart, the NJ EPA mandates equal pay for all members of "protected classes" under...

You have been the victim of sexual harassment or discrimination in the workplace. You notify your employer’s human resource manager, who initiates an appropriate investigation into your claim.  Your...

All auto insurance policies in New Jersey require the consumer to choose from one of two options with respect to their right to bring a lawsuit. The two options are: (1) the lawsuit or verbal or tort...

Suffering from a personalinjury accident can be devastating not only to the individual injured, but also to the individual’s family members and friends. Our firm often receives inquiries from...

Many people file for bankruptcy to protect their real property from being foreclosed on. There is a specific section within the Bankruptcy Code that mandates that creditor collection actions against...

Irrespective of the size of your business, companies should have an employee handbook or manual.  Employee handbooks can provide certainty and structure to your operations as well as place your...

Many people who are contemplating filing for bankruptcy in New Jersey are concerned about the effect that it will have on their residential lease if their landlord learns about the proceeding. This...

You may be worrying about whether you will be able to retain your New Jersey residence after filing for chapter 7 bankruptcy. If you are in this situation, you will need to be aware of what your...

We have created one of the quickest and easiest tools that will help you pay off your debt and obtain the financial freedom you deserve.  The worst thing about being in debt is finding a resource you...

When you file for bankruptcy in New Jersey, there are myriad different aspects of your life that will be affected. While most should be positive, there may be some things that come along with...

In many circumstances, you take on debt because something unexpected happens. You or a loved one may lose a job or face long-term health problems. In other situations, however, the need to file...

Has falling behind on your NJ lease obligation caused your landlord to initiate eviction proceedings against you? If so, has the New Jersey landlord also obtained a judgment of possession for the...

Has your property recently been foreclosed upon at a sheriff sale leaving you scrambling to try to retain it? There is an avenue of the law that may provide you with a potential solution through a...

New Jersey is one of the wealthiest states in the U.S. However, all of that income comes at a price—New Jersey also has high property taxes and even higher rent prices. It is in the top five most...

Do you own real property that has equity in it, but are in default on your mortgage obligations? If so, then bankruptcy could be an option for you to be able to sell the property to protect the...

Medical bills are one of the biggest financial burdens that Americans worry about each year. Different from your monthly credit card bills or mortgage payments, medical bills can often be so large...

[David Stevens, Esq. walks you through the bankruptcy filing process to help put you at ease]

Are you contemplatingfiling for bankruptcy, but are concerned about the impact it will have on your vehicle? Here are answers to some common questions that people have about their vehicles when they...

Are you wondering what effect a bankruptcy proceeding will have on your pending or potential lawsuit? This blog will explore how a bankruptcy proceeding will affect your claim against another...

If you are married and considering filing for an individual bankruptcy, you may be wondering what effect the bankruptcy will have on your wife. This blog will explore those issues.

[John J. Scura III, Esq. explains what to do if you are feeling tricked by your insurance company after an accident in New Jersey]

I wrote a blog on the worst tricks insurance companies use in...

All consumers should be aware of their credit score by checking their credit report.  Amongst other benefits, periodically checking your score ensures that fraudulent activity is timely recognized...

The Federal Reserve Bank of New York reports that as of the second quarter of 2017, the American household debt load has reached nearly $13 trillion. Approximately 80% of Americans are in debt today.

With New Jersey in the middle of its winter season, injuries due to ice and snow conditions can occur because of the irresponsible actions of property owners and landlords. Commercial and...

When an individual files a bankruptcy petition, the automatic stay prevents creditors from trying to collect debt. Generally, this means that a creditor cannot contact the individual, repossess...

If you are struggling financially and cannot find an easy way to pay off the debts you owe, filing for Chapter 13 bankruptcy in New Jersey may be the best option for regaining control of your...

The foreclosure process can be complicated and seeking legal representation is always recommended. Sometimes borrowers ignore the foreclosure timeline until their property is sold at a sheriff sale....

People often feel embarrassed or ashamed when filing for bankruptcy. However, it's more common than you would think. High profile athletes, musicians, actors and entrepreneurs regularly file for...

[John J. Scura III., Esq. explains the type of auto insurance coverage you should have in New Jersey]

The least explained but most important insurance in New Jersey is Uninsured and Underinsured...

[John J. Scura III, Esq. explains how Chapter 13 bankruptcy can help you save your house in four minutes]

When an individual files for bankruptcy protection, they are entitled to exempt certain property from their bankruptcy estate. The exemptions ensure that property that the debtor seeks to retain...

It’s common that many clients surrender their real property in Chapter 7 cases, and assume that surrendering the property will alleviate any issues or obligations owed by them. Unfortunately, the...

[John J. Scura III, Esq. explains four of the common myths and misperceptions in bankruptcy in three minutes]

I wanted to go over some common myths and misperceptions in bankruptcy. I get a lot of...

For new credit card users or those looking to build their credit, the idea of taking out a “free” line of credit can be exciting. But if you aren’t careful, credit cards can be potentially hazardous...

One of the several benefits of filing for Chapter 11 or Chapter 13 bankruptcy reorganization are the “cramdown” provisions. A cramdown occurs when a debtor proposes to pay the secured value of...

During the course of a Chapter 7 bankruptcy proceeding, a debtor may seek to avoid a lien filed by a condominium or homeowner association against the debtor’s real property for failure to pay...

Insurance companies spend billions of dollars each year in marketing to convince the public that they have your best interest at heart. Let’s take a look at some of the slogans: State Farm - Like a...

In general, a proof of claim is a legal document that notifies the debtor, the trustee, and other parties-in-interest that a creditor wishes to assert its right to receive distributions from the...

If you or a loved one has been involved in a car accident, enlisting the help of an experienced New Jersey personal injury attorney is in your best interest. A knowledgeable and skilled car accident...

Have you recently litigated a civil lawsuit that reached an unsuccessful result leaving you wondering how best to proceed? You may be thinking that bankruptcy is an option that you wish to explore...

Many people who own real property through a single member limited liability company or sole shareholder corporation tend to think of the real property being owned by them individually. However, the...

Filing bankruptcy is an extremely personal decision. Whether you should file at all will depend on your current personal and financial situation and your goals for the future. However, filing...

Sometimes businesses just fail. The debt can become overwhelming and creditors can begin exercising their rights for repossession of equipment (leased or financed), levies on bank accounts, and...

Making the decision to file for bankruptcy is always a difficult one and it should be something that you’ve put a great deal of time and thought into. Filing for bankruptcy in New Jersey will have an...

Many larger contracts contain an arbitration clause or arbitration agreement, wherein the parties to the contract agree to settle their dispute outside of court, through the arbitration process.  ...

If you own a home and you are in financial turmoil, you may be wondering what will happen to your home if you file for bankruptcy. For many, the primary concern that they have when entering the...

The death of a loved one will always cause emotional and financial grief to family members. Wrongful death cases are frequently challenging for clients, because they often have to relive tragic...

There are many different types of accidents that can qualify for personal injury compensation. If you have been injured in an accident, one of the first things you should do is take the time to...

In New Jersey, after you file a lawsuit or other legal document naming another party in the action, you must provide the defendant with a copy of the filed document. This is called service of process.

Filing for bankruptcy is not a process that should be taken lightly. And to make sure you fully understand what you’ll be getting into, it is important that you take the time to go over some of the...

Whether it is for necessities, a gift or a personal splurge, New Jersey residents often find themselves shopping at stores. While this is a relatively normal and routine task that appears to hold...

If you have gone through a divorce, are going through one or are even contemplating divorce, then you know it can often be a confusing and challenging process. Many questions can arise with respect...

Finances are a complex business. From the time that youngsters attempt to figure out how to open their first lemonade stands to the point at which older persons are compelled to create estate plans,...

There are many different situations where you may become injured and have a valid personal injury claim on your hands. However, before you can receive compensation, you and your personal injury...

Deciding to file bankruptcy is a big decision in itself, but the decision-making does not stop there. Timing and how you should submit your petition require a great deal of attention and...

It is very common for residents in New Jersey and elsewhere in the nation to use a credit card. Moreover, it is also common for consumers to have multiple credit cards with a balance on them. While...

While every personal injury situation is different, there is no specific guideline to follow when it comes to hiring a personal injury attorney. But trying to understand the legal process without an...

It is not uncommon for an individual to need the help of multiple attorneys at the same time.  Many individuals who are involved in a bankruptcy case are also involved in other litigation, which may...

In many instances, the decision to file for bankruptcy is one of the most difficult decisions that you will ponder in your life. Once you have made the decision to file for bankruptcy, you will need...

According to ValuePenguin.com, the outstanding consumer debt in the United States is $3.9 trillion. Roughly 38% of all households have some credit card debt. For those families that carry a balance...

If you were injured in an accident due to the careless or negligent acts of a third party, you may be able to file a claim for compensation. While everyone has seen the commercials and read the...

Car accidents are stressful, and they can result in expensive damages and painful physical injuries. Thankfully, the vast majority of car accidents do not result in life-threatening injuries. ...

Small Claims is a division of the Special Civil Part Court in New Jersey. The Small Claims Section is a forum where a person can sue another person or business to attempt to collect a small amount of...

Credit Cards and Chapter 7 Bankruptcy

Personal Credit Cards

A common question that many individuals contemplating bankruptcy ask during our firm’s free consultation is whether they can retain a...

If you are in a financial state where you have considered filing for Chapter 7 or Chapter 13 bankruptcy, you may also be worried about how you will afford a reputable New Jersey bankruptcy lawyer....

The Supreme Court’s landmark decision of Till v. SCS Credit Corp., 541 U.S. 465 (2004), took up the issue of the proper method of selecting an interest rate sufficient to pay present value under...

Chapter 13 bankruptcy is often the best choice of debt relief for individuals and families who don't qualify under another bankruptcy chapter or would be unable to completely eliminate their...

What could you and your family do with a fresh start from your credit card debt and other loans? Chapter 7 bankruptcy may be the best option for helping you get out from under your burden of debt,...

The meeting of creditors, also called the 341 hearing, is a required appearance by all debtors in a bankruptcy case.  The debtor’s appearance is required pursuant to section 341 of the Bankruptcy...

If you have recently had a judgment entered against you or if you believe that a judgment may be entered against you soon, then you may be panicking trying to figure out how to protect your assets...

Chapter 7 bankruptcy is an extremely helpful legal proceeding for those drowning in debt.  It is useful to eliminate credit card debt, medical bills, and unsecured personal loans.  There are certain...

Many people are hesitant to file for

Financial struggles are no surprise for most modern Americans. However, while many smaller financial issues can be remedied by setting a budget or taking out a loan, others like extensive credit card...

The filing of a petition with the Bankruptcy Court instantaneously shields the debtor from most further acts by creditors to collect on debt owed as of that date. Filing automatically invokes the...

Including a Recent Appellate Division Case Litigated by Scura, Wigfield, Heyer, Stevens & Cammarota, LLP

Individuals who are considering filing for bankruptcy may be concerned about the effect that the bankruptcy filing will have on their current job or future job offers. They may be asking: will my...

Most people assume that if you file for bankruptcy, you must liquidate virtually everything you own to pay your creditors. While this is true under some circumstances, you actually have more than one...