Some clients survive periods of devastating illnesses and recover, only to face a mountain of hospital and doctor bills. It is possible to use bankruptcy to reduce or even wipe out that debt, depending upon your circumstances. Filing a bankruptcy petition automatically imposes an automatic stay which stops creditors from suing you, and enforcing judgments […]
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If you are crushed by personal debt that you cannot pay back, then filing Chapter 7 bankruptcy may be a good option for you. The bankruptcy process starts when you call my office and I will give you a detailed free initial consultation over the phone. If it appears that you are qualified for Chapter 7, we
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Here are a few reasons to choose me as your personal bankruptcy attorney: I have been a New Jersey bankruptcy attorney for more than 30 years. Our fee for handling your Chapter 7 case or Chapter 13 case is reasonable and affordable. Free consultation always: Call my office at 732 214 0300 or 908 757 7720 to
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Chapter 13 bankruptcy is a vital tool for individuals that have debt that is unmanageable and who have assets that exceed Federal and/or state bankruptcy exemptions or do not qualify for a Chapter 7 bankruptcy. Chapter 13 bankruptcy also may be used to protect your home from foreclosure. First, it is important to understand the
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The COVID-19 pandemic has resulted in a few temporary changes to substantive bankruptcy rules under the Federal Coronavirus Aid, Relief, and Economic Security (CARES) Act. These modifications will last for only one year and at this writing, will expire on March 27, 2021. For example, a debtor with a prior Chapter 13 repayment plan can
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The term “underwater home” means that your house is worth less than what you owe on the mortgage. In that case, you could decide to surrender the property as part of a Chapter 7 or 13 bankruptcy proceeding. Doing this absolves you of any personal liability on the mortgage note, but the mortgage itself
The economic shutdown ordered by the New Jersey governor has closed thousands of our businesses and put hundreds of thousands of our residents out of work. To date, many have not been able to obtain unemployment compensation due to the inadequacies of the State government. For the self employed and gig workers, there is simply
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You may be able to protect your car in bankruptcy. If you are filing a Chapter 7 petition, it is important that you be current on your car loan or lease. A Chapter 13 filer can pay any loan or lease arrears through the bankruptcy plan, but must resume the loan or lease payments immediately
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If you are anxious, sleepless or ashamed about your situation, give me a call. I will review your situation in detail over the phone initially and help you to determine whether you qualify for bankruptcy, whether you should file and which bankruptcy chapter is right for you. I will also tell you if bankruptcy is
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When a bankruptcy client owns property with a spouse or other co-owner, of course there is a concern about how the co-owner’s interest is affected by the bankruptcy filing. Although your assets will become property of the bankruptcy estate when you file for bankruptcy, the Chapter 7 trustee can only sell your nonexempt property to
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Charles D. Whelan III has been committed to excellence for over 30 years. With offices located centrally in New Jersey, he is able to provide businesses and individuals with excellent legal services.
