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The law in the State of New Jersey was changed in 2006 for bankruptcy where before you file your case, you have to do credit counseling. Conveniently enough, you don’t actually have to go anywhere. These classes are all online and they all have 1-800 numbers if you don’t have a computer. It takes about … Continued
A home improvement contractor in New Jersey is actually defined. Somebody sat down over in Trenton and wrote out a definition for what a home improvement contractor actually is. It’s anybody who does any work for money on your home. Your home is a residential dwelling. If you have somebody come over and say, I … Continued
When people hear bankruptcy, they automatically assume they are going to lose everything they own. Luckily, that is not the case. Depending on your circumstances and the type of bankruptcy that you file for, you may be able to keep a lot more than you think. The things that you can hold onto in bankruptcy, … Continued
Filing for bankruptcy is not an easy decision to make but in some situations, it becomes the only thing that you can do. It is very daunting but it is more common than people think. The benefits for filing bankruptcy depend on the person. The most common conversation I have is that you can do … Continued
When you go to have your car repaired, the repair shop has to give you a written estimate that you sign and any changes to that estimate have to be in writing. They also have to give you your old parts back if you ask for them. They are required to give you any warranty … Continued
When you go to buy a car, there are certain documents and other information that you’re supposed to be given. It’s not unusual for a buyer of a car to not be given that information. In New Jersey, you are protected by a few different laws; the Consumer Fraud Act, the Lemon Law, and General … Continued
A debt settlement company is a company that is going to offer for a fee to settle your debts for you. Credit cards, medical bills, things like that, but here’s the deal. They are going to ask for their fee up front. They may try to work with your creditors, they may not, but you … Continued
Over the last several years, there have been an increasing number of claims against companies that manufacture transvaginal mesh. The FDA recognizes that there are a number of risks associated with these mesh products and therefore, has reclassified it as a Class III device, although they have neglected to recall it altogether. If you believe … Continued
A lot of clients come to our firm and ask whether or not they can reaffirm their mortgage. Super technically, you can only reaffirm as to personality, which is a fancy way of saying assets other than land. A mortgage is a lien on land, so it can’t be reaffirmed, right? Well, maybe. When you get a mortgage, … Continued
If your bank account has been frozen, it’s been what lawyers call levied. Meaning the court officer has sent the bank some paperwork saying don’t let any money out of this account until everybody gets a chance to go to court and see how it should be divvied up. It’s usually because of a judgment. … Continued