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March 1, 2022 David L. Stevens Bankruptcy, Credit, student loans

What Does It Mean to Discharge in Bankruptcy?

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...

January 20, 2022 David L. Stevens

Foreclosures and Evictions Have Already Started in New Jersey

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...

April 27, 2020 David L. Stevens

Filing for Bankruptcy is Exciting!

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...

December 3, 2019 David L. Stevens

Operating Guidelines for NJ Small Businesses in Chapter 11 Bankruptcy Cases

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...

September 13, 2019 David L. Stevens

Money is Fungible:  Safeguard the Character of Exempt Assets

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...

April 8, 2019 David L. Stevens Business Bankruptcy

Shutting the Doors of a Failing NJ Business and Walking Away

 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...

February 27, 2019 David L. Stevens

Alternative Solutions to Bankruptcy

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....

July 25, 2018 David L. Stevens Bankruptcy, Chapter 7

Do I 'Qualify' for a Chapter 7 Bankruptcy in New Jersey?

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"...

March 13, 2018 David L. Stevens Bankruptcy, Video | Bankruptcy

Overview of the Bankruptcy Process [Video]

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

Hi. So we've probably already spoken once. Perhaps you called my office and set up an appointment, or...

October 5, 2017 David L. Stevens Bankruptcy

The Applicable Rate Of Interest For Secured Claims In New Jersey Bankruptcy

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...

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