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Educational savings accounts are a great way to save money for college but if you are considering filing for bankruptcy, you should speak to an experienced bankruptcy attorney about the timing of...

Stipulations Regarding Tax Refunds

If you are in a Chapter 7 or Chapter 13 bankruptcy, there may be stipulations regarding your tax refund if you are receiving one. As tax time nears, it is good to...

Creative debtors have been trying to beat the system for as long as there has been a system to beat. And when those debtors are young, educated, and over indebted, the schemes can get pretty clever....

One of the most common concerns my clients have prior to filing bankruptcy is the effect it will have on their credit. This is true despite the fact that in almost every case, the client's credit is...

Income taxes which have met certain criteria are personably dischargeable in bankruptcy. If the IRS has filed a lien on property, however, then the lien remains unless some action is taken to void it...

Co-Debtor Stay When Only One Spouse Files Bankruptcy

Very often the impetus to commencing a New Jersey bankruptcy is to stop collection efforts by the IRS of the state taxing authority. Upon filing a...

The point of a chapter 13 bankruptcy is to require people that have extra money at the end of the month to repay at least a portion of their debt. The Bankruptcy Code uses an analytical approach (the...

Modifying a Car Loan with Chapter 13 Bankruptcy

A Debtor filing a chapter 13 bankruptcy has a lot of tools available to give the him or her some breathing room. One area in which relief can be...

When clients first meet with an attorney, bankruptcy procedures may seem intimidating or overwhelming. Earlier this week I met with my first client in our recently opened office in Hackensack, New...

Earlier this week I met with my first client in our recently opened Hackensack office. She had a very common question: What can I do about this Default Judgment...is the creditor going to garnish my...