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If you went through the financial wreckage of the 2008 housing crash or its aftermath, chances are you reorganized your life, saved your home through a modification or a Chapter 13 plan, and thought...

Artificial intelligence has fundamentally changed the practice of law across research, drafting, client intake, case analysis, marketing, billing, and client expectations. However, the question...

The phone rings a day or two after a collision on Route 4, Route 3, the Parkway, or a busy intersection in downtown Paterson or Newark. The voice on the other end is polite, professional, and sounds...

Dealing with the loss of a loved one is an emotionally devastating experience. Families naturally expect that the administration of an estate will be handled with integrity, transparency, and...

In a New Jersey workers’ compensation case, “permanency” refers to the final phase of a claim where an injured worker is evaluated for a financial monetary award due to a lasting, permanent loss of...

When litigating personal injury and employment-related torts in New Jersey, defendants frequently move for summary judgment on direct negligence claims, such as negligent hiring or negligent...

Voluntarily dismissing your Chapter 13 bankruptcy does not necessarily end the bankruptcy court's authority. Here's what debtors and creditors need to know.

When a Chapter 13 repayment plan is confirmed, many debtors understandably believe their case is settled. Likewise, creditors often assume the confirmation order is the final word. In most...

When a Chapter 11 bankruptcy estate has enough assets to pay every creditor in full—and still has money left over, how is the Chapter 11 trustee compensated? The answer is more nuanced than many...

The shift toward remote and hybrid arrangements has fundamentally rewritten the rules between New Jersey employers and their staff. For HR professionals and in-house counsel, this reality brings a...

E-bikes have become increasingly common throughout New Jersey. They are used for commuting, deliveries, recreation, transportation around shore towns, and getting around congested cities where...

Imagine you are seriously injured in a car accident through no fault of your own. You do everything right: you maintain insurance, seek medical treatment, and pursue a claim against the at-fault...

Worried about losing your home? Learn how Chapter 13 bankruptcy can help stop foreclosure, catch up on mortgage arrears, protect your home, and even position you to buy a house in the future.

If you have filed for Chapter 13 bankruptcy—or are considering filing—you may be wondering how long the bankruptcy will remain on your credit report and what impact it may have on your financial...

Summer internships are excellent talent pipelines, but misclassifying a worker as an "unpaid intern" can trigger expensive lawsuits and state audits. To protect your business, you must navigate a...

When someone is seriously injured in a New Jersey car accident, the medical bills often do not stop when the lawsuit begins. Surgery may be recommended months or years after the crash. Treatment may...

For New Jersey businesses, the line between an independent contractor and an employee has never been more critical. On May 5, 2026, the New Jersey Department of Labor and Workforce Development...

The landscape of American trucking litigation shifted seismically on May 14, 2026. In a unanimous 9-0 decision that has sent shockwaves through the logistics and insurance industries, the United...

Setting up a joint venture in New Jersey involves more than drafting a contract. You are structuring a commercial marriage of necessity. While the high-level benefits of pooling resources are clear,...

 In employment law, discrimination isn't always as obvious as a manager saying, "You’re too old for this role." While that kind of blatant bias—known as disparate treatment—still occurs, modern...

For millions of people across New Jersey, New York, and Pennsylvania, New Jersey Transit is simply part of everyday life. It is the train into Manhattan each morning, the bus home after work, or the...

In high-stakes commercial trucking cases in New Jersey, the most common mistake is focusing solely on the individual behind the wheel. When an 80,000-pound tractor-trailer causes a catastrophic...

A Business Lifeline That Often Becomes a Liability

A Simple Document That Can Save Your Family Months Or Even Years of Stress

Rethinking the “Avoid Probate” Mindset

In the world of New Jersey personal injury law, there is a myth that has cost victims millions of dollars. That myth is the "Two-Year Rule."

In the New Jersey commercial real estate world, everyone treats a signed lease like the finish line. In reality, that signature is just the start of a high-stakes partnership.

In today’s economy, side hustle income is more common than ever. Whether you are driving for a rideshare company, freelancing, selling products online, or taking on occasional cash work, many...

One of the most common and often misunderstood questions in bankruptcy law is whether immigration status affects a person’s ability to seek financial relief. Many individuals delay or avoid exploring...

Foreclosure is one of the most stressful experiences a homeowner can face. For many individuals in Chapter 13 bankruptcy, the goal is simple: catch up on missed payments and keep the home. But when...

May is Motorcycle Safety Awareness Month. As a New Jersey motorcycle accident lawyer who rides, this month carries significant weight in both my personal and professional life.

When individuals or business owners face mounting financial distress, bankruptcy is often the first option that comes to mind. However, it is not the only path. In New Jersey, an often-overlooked...

For many married couples facing financial distress, Chapter 13 bankruptcy offers a structured path to reorganize debt and protect assets. However, one of the most common—and strategic—questions we...

For many individuals, completing a Chapter 13 bankruptcy plan is a major milestone. After years of making structured monthly payments, reaching the end of the plan can feel like the finish line....

For many homeowners in Chapter 13 bankruptcy, few things are more frustrating than receiving a motion from a homeowners association (HOA) claiming nonpayment—especially when payments have, in fact,...

If you believe something improper is happening at work—discrimination, harassment, retaliation, wage violations—your instinct to “get proof” before you leave is completely understandable. Many...

In New Jersey, the general rule is that unpaid volunteers are not considered "employees" and therefore do not qualify for Workers’ Compensation benefits. However, the New Jersey Legislature has...

For individuals considering Chapter 13 bankruptcy, one of the most important requirements of the process is committing disposable income toward repayment of creditors. While Chapter 13 offers...

Student loan debt has become one of the most significant financial burdens facing many individuals today. For borrowers experiencing financial distress, bankruptcy may appear to offer a path toward...

Financial hardship can affect anyone including professionals who have spent years building their careers. Doctors, nurses, attorneys, real estate agents, contractors, and financial advisors often...

For many homeowners, foreclosure is one of the most frightening financial experiences they can face. Falling behind on mortgage payments can quickly lead to legal action by a lender, placing a...

When employment ends whether through a layoff, restructuring, or negotiated departure employers often present departing employees with a severance agreement. These agreements typically offer...

If you are considering debt consolidation or bankruptcy in New Jersey, understanding the legal differences between these options is critical. Many individuals struggling with credit card debt,...

If your business is experiencing financial distress, restructuring under Chapter 11 bankruptcy may offer a path forward. At the same time, a new question is emerging in the restructuring world: can...

Every year during tax season, our office receives a similar, anxious question from clients across New Jersey, New York, and Florida: “My accountant says I need a Form 1099-C for debts discharged in...

Following the lead of neighboring New York and Philadelphia, New Jersey has enacted its own Pay Transparency Law, which is designed to close wage gaps and provide job seekers with essential financial...

In one of his final legislative moves, Governor Phil Murphy signed New Jersey Assembly Bill 3451, which drastically expanded the provisions of the New Jersey Family Leave Act (NJFLA). Businesses in...

A Chapter 13 bankruptcy, often referred to as a wage earner’s plan, allows individuals with regular income to reorganize and repay their debts over three to five years. For many people, Chapter 13...

For individuals and families across New Jersey facing mounting financial pressure, Chapter 7 bankruptcy can provide meaningful relief through the discharge of unsecured debts such as credit cards,...

Understanding the Concern

Chapter 13 bankruptcy is designed to provide stability and a structured path toward financial rehabilitation. Yet some debtors encounter commentary suggesting that mortgage...

What Is the Co-Debtor Stay and Why It Exists

When a person files for Chapter 13 bankruptcy, the law provides protection not only to the debtor, but also to certain individuals who share legal...

Many individuals filing for bankruptcy are surprised when they suddenly lose access to their creditor’s online payment portal. This can create confusion, especially for those who want to remain...

Most people think of bankruptcy as forms, deadlines, court hearings, and technical rules.

As of January 1, 2026, New Jersey has officially implemented the second and final phase of a landmark legislative expansion to auto insurance requirements. For the first time in decades, the "floor"...

In New Jersey Chapter 7 bankruptcy cases, a common point of confusion involves the treatment of judgment liens when the debtor owns no real property at the time of filing. Many debtors assume that a...

If you have been injured in an accident in New Jersey and are now facing a settlement offer from an insurance company that feels far lower than how your life has been affected. Nearly every injured...

If you have been in a car crash in New Jersey, you probably learned very quickly that the insurance system here operates differently from many other states because New Jersey is a no-fault state....

The numbers are clear, foreclosure activity continues to rise all across the country and New Jersey is no exception. According to ATTOM’s Mid-Year 2025 U.S Foreclosure Market Report, the percentage...

New Jersey is the most densely populated state in the United States and is a massive trucking route on the East Coast. Unfortunately, trucking accidents occur frequently in New Jersey. Trucking...

Gambling debts are more common in bankruptcy than many people realize. With the rise of online casinos, sports betting apps such as FanDuel and DraftKings, and fast paced digital gambling platforms,...

Anyone living in New Jersey knows the reality: real estate is expensive and only getting more so. While that can make buying a home difficult, it also means many homeowners experience significant...

Whether you’re a debtor hoping to discharge overwhelming debts or a creditor looking to get paid, a proof of claim is an important part of the bankruptcy process. Filing – or failing to file – a...

Many of our personal injury clients only speak Spanish or another language, and our lawyers must rely on a translator for their testimony. When a client testifies through a court interpreter, many...

When you board a New Jersey Transit bus or train, you entrust yourself to the safety of the bus or train and operators of them. Unfortunately, NJ Transit accidents are more common than many realize...

At Scura, Wigfield, Heyer, Cammarota & Gonzalez, LLP, we understand the challenges immigrants face—especially those navigating both the U.S. immigration system and overwhelming debt. As a New Jersey...

Protecting Workers and Subcontractors in an Industry Full of Complex Payment Chains

Getting paid for a job is a pressing concern in the construction industry. With owners, general contractors, and...

At the Law Offices of Scura, Wigfield, Heyer, Cammarota & Gonzalez, LLP, we advise our clients that to collect workers’ compensation benefits, their injury must be job related, though it’s not always...

Even a "minor" car accident can turn your life upside down. Sometimes, you walk away from a crash feeling lucky — only to realize days or weeks later that you are dealing with a serious injury. At ...

As I’ve continued to grow and gain experience as a personal injury trial attorney, I’ve come to realize that no case is perfect. However, I’ve also come to realize that meaningful value can be...

In a unanimous decision, the New Jersey Supreme Court has struck down an advisory ruling that would have prohibited Certified New Jersey attorneys from paying referral fees to out-of-state lawyers....

Facing a lawsuit can be an overwhelming and stressful situation. Whether it’s a contract disagreement, property boundary issue, business dispute, personal injury claim, or another civil matter, most...

In today’s digital world, social media platforms like Facebook, Instagram, and TikTok are central to how we connect with others and share our lives. While these platforms do offer many benefits, they...

Common law fraud is one of the most commonly claimed intentional torts in civil litigation cases. States throughout the country have enacted various fraud laws. Common law fraud, however, is a...

After an accident, determining who is responsible for your injuries can be challenging, especially when a government or state entity may be involved. If you believe a public entity is liable, it’s...

Imagine that you have been involved in an accident that has caused you serious injuries due to the negligence of another party. However, the pain you are now suffering from is not something entirely...

One of the most common questions we hear as bankruptcy attorneys is whether a married couple should file together. The unfortunate answer, as always is “it depends.” Very often, married couples will...

One of the most common mistakes debtors will make prior to filing for bankruptcy is attempting to pay off certain debts. Even worse, we will often see debtors attempting to offload property so as to...

Being served with a lawsuit in New Jersey can be overwhelming and stressful. Whether the lawsuit is unexpected or something you saw coming, knowing how to respond is crucial. This guide will help you...

When filing for bankruptcy, a debtor must disclose all information regarding their personal assets, liabilities, accounts, and just about any information that may be pertinent to determining what...

What happens when a plaintiff has some fault for the happening of an accident.  Many times, both sides share some of the blame. New Jersey is a partial comparative negligence state. Understanding it...

At our law firm, we take a unique approach to case preparation that sets us apart from the competition. Rather than relying on traditional methods alone, we bring a collaborative and immersive...

Facing financial hardship can lead to considering bankruptcy as a solution, and timing is crucial. In New Jersey, a typical Chapter 7 bankruptcy wraps up within 90 days. This blog will guide you...

Filing for bankruptcy often raises the fear of losing your prized possessions, including your car. In New Jersey, you have a right to exempt up to $4,000 in one motor vehicle under federal bankruptcy...

Facing financial troubles can be stressful, especially when you're worried about losing your assets to creditors. New Jersey has specific rules that protect certain property from being taken by those...

Filing for bankruptcy can feel overwhelming, especially when you're unsure of what you'll be allowed to keep. In New Jersey, certain assets are protected under bankruptcy exemptions, safeguarding...

Facing financial hardship in New Jersey might have you considering bankruptcy, but how do you know if you qualify based on your income? As of now, a single earner's median income to file for...

The main goal of a bankruptcy case is to discharge the debtor of all debts. This means eliminating all remaining debts. In chapter 7, this happens usually within 90 days of filing. In chapter 13,...

Depositions can often be daunting. Whether a party to the action, or just a witness to certain facts, depositions are an intimidating but integral part of the discovery process. But what actually...

In the dynamic and complicated landscape of legal practice, the inclusion of retired judges within a law firm can significantly enhance the strategic capabilities and client outcomes. At Scura...

In New Jersey, once notice of probate is given by the proponent of a will, interested parties or next of kin typically have 120 days to contest a will. This period allows interested parties to file...

While it does not happen often, the bankruptcy code does update. Congress, as intended, is a slow moving machine when it comes to passing legislation. This often means certain areas of the law,...

While most people have likely heard of the term “discovery” in the legal context, many may not know what it really entails. In a litigation or personal injury case, discovery is arguably the most...

When a debtor is filing for bankruptcy, often their first question is “what happens to my home?” Under a Chapter 13 bankruptcy, a debtor is granted safe harbor for their assets. The purpose of...

Ken Carter from Carter Wealth Management interviews Christopher Heyer, Esq. Employee Handbook and Litigation Attorney from Scura, Wigfield, Heyer, Stevens & Cammarota, on the importance of...

Attorneys generally specialize in specific areas of law, such as bankruptcy. In fact, a lawyer is normally required under the rules of professional responsibility to refer clients out when the...

Did your accident give you an injury that permanently affects your ability to work or enjoy life? You may be suffering from a catastrophic injury – a type of injury for which you may be able to...

Losing your home to a foreclosure can be a very difficult and upsetting process. This process can seem overwhelming and daunting, and it often leaves homeowners worried about their rights and...

In the complex legal realm, the rules governing the Courts of New Jersey play a pivotal role in ensuring the fair and orderly administration of justice. However, these rules are often complex and...

Bankruptcy is a process designed to allow a debtor to obtain a fresh start through discharge of certain debts. When a debtor files for bankruptcy, they’re granted the protection of the automatic...

In New Jersey, a valid contract requires several essential elements including: (1) offer; (2) acceptance; (3) consideration; and (4) sufficiently defined terms as to render performance on the...

A small business Chapter 11 under Subchapter V of the Bankruptcy Code has many more advantages than the traditional Chapter 11. Our firm obtained the first confirmed Chapter 11 plan under Subchapter...

If you are party to a contract, and the other side fails to perform their agreed upon actions, you may have a cause of action against them. This blog will discuss the potential pitfalls in litigating...

While a breach of contract may seem like a remedy for many people feeling injured, contracts in New Jersey have very specific requirements in the formation of them. While we have discussed contract...

Worker’s Compensation is the insurance that provides medical care and/or cash benefits for workers who are injured while they are on the job. However, when it comes to finding health care providers...

Merchant cash advances can provide an easy solution to a small business’s cash flow problem. However, these types of loans are often seen as predatory and, in some states, usury. While it can be a...

All United States citizens can request a Social Security Number, as well as some noncitizens that work or attend school who are authorized by the Dept of Homeland Security. In some cases, even those...

As a bankruptcy attorney, I'm here to shed light on an often-overlooked aspect: Chapter 13 bankruptcy can offer unique benefits in discharging certain non-support obligations stemming from divorce,...

New Jersey has specific laws concerning serving liquor both at home and at restaurants, bars, or nightclubs. If you have been injured because of negligent alcohol service, you may have a legal claim....

Filing for bankruptcy is often seen as a last resort for most people. The purpose of filing is to achieve a “fresh start” for the debtor, allowing them to pay back parts of their debt over the course...

Bankruptcy is often used by both individuals and businesses to “wipe the slate clean” and get out from often crippling amounts of debt. Most bankruptcies filed are done so voluntarily by the debtor....

New Jersey Workers' Compensation: Subsequent Employer Liability Explained

Navigating the intricacies of workers' compensation can become even more complex when a situation involves subsequent...

When you enter a contract to purchase a property in New Jersey it is essential that you allow for sufficient time to conduct and inspection of the property and provide a list of demands for repairs...

Easements are a common area of property law. But many people do not know what an easement is and how it can affect them until they are late in the home-purchasing process. A qualified attorney is...

The student loan debt crisis is a major financial burden for many Americans and the recent Supreme Court decision has created chaos for student loan borrowers in need of relief. In 2023, the average...

A Chapter 11 Bankruptcy can be dismissed by the bankruptcy court for any of a number of reasons identified in Section 1112(b)(4) of the Bankruptcy Code. However, the Third Circuit, and therefore New...

What is a Leading Question?

We’ve previously discussed the automatic stay, and its effects that become active when a debtor files for bankruptcy. However, what happens when property of the debtor, such as a car, is repossessed...

What is a Will?

It is recommended to start estate planning as soon as you become a legal adult, at 18 years old. It is important to be prepared, even as a young adult because, unfortunately, unexpected situations...

Estate planning can seem daunting at first glance. However, it is important to ensure you and your assets are prepared for the future. In order to ease some of the tension surrounding estate...

An advance medical directive is an important aspect of the estate planning process. Nobody wants to think about unfortunate medical issues that may arise in their future. However, it is important to...

Are you in the process of a Chapter 13 bankruptcy, but eager to start rebuilding your credit? Maybe you have been considering paying off your Chapter 13 plan early. Or maybe you have been thinking...

A bankruptcy petition is not meant to clog up the courts forever. A case can either be discharged or dismissed once it has been filed. With a discharge, a debtor has performed their obligations under...

In personal injury cases, it is common for the defense to conduct physical and mental examinations. These are commonly referred to as DME, defense medical examination, or IME, independent medical...

As social media usage increases, disrespectful posts also increase. But when does a harmful statement go too far? Sometimes harmful statements can result in legal action if the statement constitutes...

With the recent news regarding Bed Bath & Beyond filing for bankruptcy, and more recently Christmas Tree Shops, many may ask what it means for a business to file for bankruptcy liquidation. Further,...

The Pandemic and a slowing economy have left a lot of people with many questions and no answers pertaining to rental issues. If you are a landlord or tenant, the eviction process in New Jersey can be...

Seldom underestimated and overlooked as a necessary bankruptcy procedure, the notice requirement in bankruptcy is a powerful tool for debtors and creditors alike. The bankruptcy process provides...

The Bankruptcy Court in the District of New Jersey has garnered national attention with the

We have previously discussed the procedures for a sheriff’s sale, and the effect that a bankruptcy may have to prevent a sheriff’s sale. However, what happens when a surplus exists after a sheriff’s...

As foreclosure rates across the country continue to increase (and with New Jersey being having one of the highest foreclosure rates in 2022)[1], filing for bankruptcy can be a challenging and...

In New Jersey there are approximately a half-million undocumented immigrants living and working with the State. These individuals have often come to the United States seeking better opportunities for...

Filing for bankruptcy is often a difficult but necessary decision to regain control of your financial life. It provides individuals and businesses with a fresh start by either eliminating or...

Breach of contract occurs when one party fails to fulfill their contractual obligations. A contract is a legally binding agreement between two or more parties, and a breach of contract can result in...

Bankruptcy can be a difficult and overwhelming experience for individuals and businesses alike. While it provides a way to eliminate or restructure debt, it also has a significant impact on credit...

Purchasing properties at a Sheriff Sale in New Jersey can be a great way to get a good deal on real estate but many potential pit falls exist that you must be concerned with. As an investor and...

The most fundamental advice that all drivers receive from the first day they get on the road is to pay attention to the road. We all know that we need to pay attention to what other cars are doing,...

In every state, including New Jersey, obtaining a judgment is just the first step in repaying a plaintiff for an injury they have suffered. Whether it be a default judgment or a drawn out trial,...

Filing for bankruptcy is often a daunting process. The intricacies of the Bankruptcy Code can often leave a debtor struggling to understand what the next best steps are. The first difficult decision...

It’s no secret that bankruptcy often gets a bad reputation, from the perspective of debtors and creditors alike. Whereas a clear understanding of the bankruptcy objectives would show that it is a...

Individuals who are bankrupt have a duty to inform the trustee in bankruptcy of any property they become entitled to after the date of the bankruptcy. You would hope, therefore, that if a beneficiary...

When filing for bankruptcy, one of the most critical issues that a debtor must address is how their property will be classified. Bankruptcy law divides property into two classifications: exempt and...

After a person files a bankruptcy petition, they will be assigned a date for their “Meeting of Creditors,” also known as the 341 Meeting. Although bankruptcy debtors will not actually meet with their...

A creditor who wishes to recover money from a debtor in bankruptcy is required to file a “proof of claim” which is a written statement describing the reason for and amount of the debt allegedly owed...

To gain any judgment against an individual, a plaintiff must first file a complaint. Normally, the defendant will file an answer, the parties will file applicable motions, attend settlements, and...

In 2022, there are over 127,000 temporary employees working around the United States. Temporary employees make up a large majority of the economy and can be beneficial to any workplace. But what...

As a bankruptcy attorney specializing in both personal and business bankruptcies, I have seen many small business owners struggle with financial difficulties. The economic impact of the COVID-19...

On January 30, 2023, the Biden Administration announced that the two national emergency orders for addressing the COVID-19 pandemic will end on May 11, 2023. The first emergency order was a public...

What is a Statute of Repose in New Jersey?

In New Jersey, a "statute of repose" is a legal concept that imposes a time limit within which a lawsuit must be filed against a defendant. Statute of...

When it comes to filing for bankruptcy, one of the key considerations for individuals and businesses is the distinction between unsecured and secured debts. As a bankruptcy attorney, it is important...

In any bankruptcy petition you must list assets, liabilities and income honestly or you could be subject to an objection to your bankruptcy case or worse be charged criminally. Teresa and Giuseppe...

Filing a bankruptcy petition under any chapter of the Bankruptcy Code creates what is called an “automatic stay.” The automatic stay prevents creditors from taking action against a bankrupt...

The New Jersey Consumer Fraud Act (the Act) provides some of the broadest protections to consumers in the nation. The Act protects consumers from fraud in almost all aspects of sales and purchases,...

In New Jersey, Personal injury protection (PIP) benefits are a critical part of car insurance with respect to medical treatment. PIP coverage, also known as no-fault coverage, helps to pay for...

One of the best things about renting a car is getting behind the wheel of something new. Whether you are renting for business or pleasure, driving a rental car can be like getting an extended test...

As a bankruptcy attorney, I often see clients who are struggling with low credit scores and are looking for ways to improve their financial situation. While bankruptcy can be a helpful solution for...

As we have previously discussed, certain debts are excepted from discharge, meaning a debtor will still be responsible for them after their bankruptcy is concluded. This includes debts incurred by...

Introduction and Facts of Case

In a recent decision by the New Jersey Supreme Court, it determined “the standard of care that should apply to a coach’s decision to allow a high school field hockey...

Very often, bankruptcy is the next logical step in a person’s financial journey. However, misconceptions often surround bankruptcy with many people misunderstanding and, often, avoiding filing even...

According to the Consumer Financial Protection Bureau, the average price consumers paid for new vehicles reached a record high of $48,182 and monthly payments are up 19% from 20211. More importantly,...

The New Jersey Consumer Fraud Act (“NJCFA”) is generally regarded as one of the strongest consumer protection laws in the United States.

In 2021, the Federal Trade Commission (“FTC”) received 5.7 million total fraud and identity theft reports in 2021. 1.4 million of those were consumer identity theft cases. Together, $2.8 billion of...

In New Jersey, pursuing a personal injury claim when an individual is a minor is substantially different then seeking compensation for injuries when the victim is an adult. As minors, children do not...

Many individuals have encountered instances when they cannot keep up with payments on their financed vehicles due to circumstances that impact their income or expenses. When individuals cannot make...

Personal Injury Protection (“PIP”) is a type of insurance coverage that is provided along with all car insurance policies sold in New Jersey. PIP covers any medical treatment costs related to...

Although it may seem that the financial hardship caused Covid-19 is slowly clearing and businesses are beginning to see their first positive financial gains since March 2020, a major financial...

Perhaps the biggest misconception of filing for bankruptcy is how long it takes to rebuild your credit. The amount of time a bankruptcy stays on your credit report varies depending on the type of...

The term “preference payment” in a bankruptcy context can come as a surprise to many unsuspecting creditors. Picture this, you’re a small business, and one of your customers (also a small business)...

While filing bankruptcy normally allows a debtor a “fresh start” in regard to debts owed, not all debts are dischargeable. Dischargeable debts usually include those common debts, such as medical...

In New Jersey a lender can foreclose on property that acted as the collateral for the loan after the loan goes into default. After the lender obtains a final judgment in court, the lender can then...