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[John J. Scura III., Esq. explains the type of auto insurance coverage you should have in New Jersey]

The least explained but most important insurance in New Jersey is Uninsured and Underinsured...

[John J. Scura III, Esq. explains how Chapter 13 bankruptcy can help you save your house in four minutes]

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...

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...

[John J. Scura III, Esq. explains four of the common myths and misperceptions in bankruptcy in three minutes]

I wanted to go over some common myths and misperceptions in bankruptcy. I get a...

For new credit card users or those looking to build their credit, the idea of taking out a “free” line of credit can be exciting. But if you aren’t careful, credit cards can be potentially hazardous...

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...

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...

Insurance companies spend billions of dollars each year in marketing to convince the public that they have your best interest at heart. Let’s take a look at some of the slogans: State Farm - Like a...

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...