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February 19, 2018 Guillermo J. Gonzalez Bankruptcy

The Effect of Serial Filing on the Automatic Stay

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...

February 5, 2018 Guillermo J. Gonzalez Bankruptcy

Using New Jersey Bankruptcy Exemptions

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...

February 2, 2018 Guillermo J. Gonzalez Bankruptcy, Chapter 7

Surrendering NJ Real Property In Chapter 7

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...

January 29, 2018 Guillermo J. Gonzalez Bankruptcy

Paying NJ Secured Creditors Less Through A Bankruptcy Cramdown

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...

January 27, 2018 Guillermo J. Gonzalez Bankruptcy, Chapter 7

Can a Debtor Avoid a Condo or HOA Lien in Chapter 7 Bankruptcy?

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...

January 10, 2018 Guillermo J. Gonzalez Bankruptcy

Asserting a Proof of Claim in Bankruptcy

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...

December 11, 2017 Guillermo J. Gonzalez wrongful death

New Jersey Wrongful Death Claims

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...

October 11, 2017 Guillermo J. Gonzalez Bankruptcy, Chapter 7

Can a Debtor Keep a Credit Card In a Chapter 7 Bankruptcy?

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...

August 22, 2017 Guillermo J. Gonzalez Bankruptcy

Can an Individual File for Bankruptcy Twice?

Even after an initial bankruptcy filing and discharge, many individuals find themselves in insurmountable debt due to unfortunate life circumstances, for example - substantial medical bills from an...

July 17, 2017 Guillermo J. Gonzalez Personal Injury

How Much Time Do You Have to File a Personal Injury Lawsuit?

Following a personal injury accident, issues related to that accident occur quickly. Whether it’s filing claims with insurance companies, taking time off work while recovering, scheduling...

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