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For many homeowners in Chapter 13 bankruptcy, few things are more frustrating than receiving a motion from a homeowners association (HOA) claiming nonpayment—especially when payments have, in fact,...

For individuals considering Chapter 13 bankruptcy, one of the most important requirements of the process is committing disposable income toward repayment of creditors. While Chapter 13 offers...

For many homeowners, foreclosure is one of the most frightening financial experiences they can face. Falling behind on mortgage payments can quickly lead to legal action by a lender, placing a...

If you are considering debt consolidation or bankruptcy in New Jersey, understanding the legal differences between these options is critical. Many individuals struggling with credit card debt,...

A Chapter 13 bankruptcy, often referred to as a wage earner’s plan, allows individuals with regular income to reorganize and repay their debts over three to five years. For many people, Chapter 13...

Understanding the Concern

Chapter 13 bankruptcy is designed to provide stability and a structured path toward financial rehabilitation. Yet some debtors encounter commentary suggesting that mortgage...

What Is the Co-Debtor Stay and Why It Exists

When a person files for Chapter 13 bankruptcy, the law provides protection not only to the debtor, but also to certain individuals who share legal...

Anyone living in New Jersey knows the reality: real estate is expensive and only getting more so. While that can make buying a home difficult, it also means many homeowners experience significant...

When a debtor is filing for bankruptcy, often their first question is “what happens to my home?” Under a Chapter 13 bankruptcy, a debtor is granted safe harbor for their assets. The purpose of...