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A foreclosure is the process where your mortgage company takes back the title to your house. Title is a legal term and essentially means who owns what. I have title to my house. If I look it up in the town’s records, you see my name right next to it just like yours. In New … Continued
A Chapter 13 bankruptcy is the bankruptcy where you propose a re-payment plan. Now, the difference between a Chapter 13 and a Chapter 7 is in a Chapter 13 you propose a plan to repay some creditors. For example, you are behind on your mortgage but you want to keep your house, you can force … Continued
One of the most unfortunate things is to be involved in a car accident with a driver that does not have insurance. However, if that occurs, not all hope is lost. If you have an automobile insurance policy or live with someone who does, chances are you have what is known as uninsured motorist coverage … Continued
Sometimes clients come and see us because they’ve either slipped or tripped and fallen on another person’s property, whether it be a neighbor’s house or a business establishment. If that occurs and you have been seriously injured, it is important to begin investigating your claim early. You would be required to show that it is … Continued
Many people who file for bankruptcy are worried that they will lose everything that they own as a result of their filing. However, debts are dischargeable during bankruptcy. Debts that are dischargeable in bankruptcy are, except for a really limited list that Congress went through the trouble to write out, are generally all of them. … Continued
A personal injury case is primarily for the purpose of compensating you for your pain and suffering and loss of enjoyment of life. What that means is that you are to be compensated for any pain that you have, any limitations that you have, anything that you can no longer do at work or at … Continued
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