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March 11, 2022 Carlos Martinez Bankruptcy, Debt Management, Chapter 7

Debt Consolidation is a Scam

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...

March 11, 2022 Carlos Martinez Bankruptcy, Chapter 13, Chapter 7, tax

Can You Discharge Overpayment of Unemployment Benefits In Bankruptcy?

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...

February 8, 2022 Carlos Martinez Bankruptcy, Chapter 13, Chapter 7, tax

Tax Season 2022: Discharging Taxes through Bankruptcy

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...

October 13, 2021 Carlos Martinez Bankruptcy, student loans

Student Loan Debt Reform: What Is The Fresh Start Through Bankruptcy Act of 2021?

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...

January 13, 2021 Carlos Martinez

What You Need to Know About Paycheck Protection Program (PPP) Round 2 in New Jersey

April 3, 2020 Carlos Martinez

What The SBA Is Doing To Help the Self Employed And the Small Business Community

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...

December 27, 2019 Carlos Martinez Medical, Bankruptcy

The Rise in Health Insurance Costs and Medical Bills And How Bankruptcy Can Help

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...

August 27, 2019 Carlos Martinez Bankruptcy, Foreclosure

The Foreclosure Process and Bankruptcy: How to Save Your Home

Update as of 6/14/2021

July 1, 2019 Carlos Martinez Bankruptcy, Bankruptcy Cost

Bankruptcy and Executory Contracts: You Have Options

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...

March 13, 2019 Carlos Martinez Bankruptcy

The Rise of Auto Loan Delinquencies: How Can Bankruptcy in NJ Help?

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...

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