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June 16, 2022 David L. Stevens Bankruptcy, Business Bankruptcy, Business Law, Credit

What Happens When a Company Subject to a Collective Bargaining Agreement Declares Bankruptcy?

Under the bankruptcy code, a debtor my reject certain “executory contracts” as they can be considered liabilities to the estate. What this means is that a debtor may choose to assume, or reject,...

June 16, 2022 David L. Stevens Bankruptcy, Credit

What Happens If a Bankruptcy Debtor Dies?






While it does not happen often, debtors do sometimes pass away while their Chapter 7 or Chapter 13 bankruptcy case is still pending. Those in their old age, or those attempting to discharge...

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...

August 11, 2020 Scura Law Firm Credit

Unsecured vs. Secured Credit Cards: What is the Difference?

You got your credit report in, and it is not looking too great for your score. Due to a myriad of unfulfilled financial commitments, your credit score is too low to take out new loans. For now, you...

July 21, 2020 Scura Law Firm Bankruptcy, Credit

10 Ways to Improve Credit After Bankruptcy in NJ

It is not an understatement to say that filing for bankruptcy can impact your credit score. Many fear the intense impact such a filing can have on their score, fearing apocalyptic repercussions of...

July 14, 2020 Scura Law Firm Bankruptcy, Chapter 13, Chapter 7, Credit

How Will NJ Bankruptcy Affect My Credit Score?

A lot of uncertainty comes when filing for bankruptcy. You set out in life with dreams of financial prosperity, only to need bankruptcy relief when life gets in the way. There are several anxieties...

February 27, 2018 Christopher J. Balala Bankruptcy, Debt Management, Credit

Understanding your FICO and CreditWise Credit Scores

All consumers should be aware of their credit score by checking their credit report.  Amongst other benefits, periodically checking your score ensures that fraudulent activity is timely recognized...

November 18, 2016 Scura Law Firm Bankruptcy, Credit

Can You Get Credit After Filing Bankruptcy?

A bankruptcy can last on your credit for up to ten years after the filing, but it does not mean that you cannot get credit in those ten years. It may be harder to get credit initially after the...

July 13, 2016 Scura Law Firm Foreclosure, Credit

Can a Homeowner Own a Home Again After Foreclosure in New Jersey?

Losing a home in any situation is a tragic event for a homeowner in New Jersey. If financial troubles have led to the foreclosure of a home, many homeowners exhaust their efforts to keep their home. ...

April 22, 2016 Guillermo J. Gonzalez Bankruptcy, Credit

How to Rebuild Your Credit Score After Filing for Bankruptcy

Two of the most common questions I receive from individuals contemplating filing for bankruptcy are:

How long will the bankruptcy filing remain on my credit report; and

What can I do to rebuild my...

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