The bankruptcy means test is a tool used to determine if a debtor is eligible to file for Chapter 7 bankruptcy, which is sometimes referred to as “liquidation” bankruptcy. The means test was introduced as part of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) in an effort to prevent abuse of …
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Filing for bankruptcy can be a complex and emotional process, but it can also be the first step towards financial stability. If you live in North Bergen, NJ and are considering filing for bankruptcy, it’s important to understand the process and the options available to you. Chapter 7 vs Chapter 13 Bankruptcy There are two …
Debt collection can be a stressful and overwhelming experience, especially if you are being harassed by a debt collector. However, it’s important to remember that you have legal rights under the Fair Debt Collection Practices Act (FDCPA) that can protect you from abusive or harassing debt collection practices. Here are some steps you can take …
If you are being sued by a debt collector, it’s important to understand that you have legal rights and options. One of the most effective ways to protect yourself in this situation is to hire an experienced debt collection defense attorney. Here are some of the ways a lawyer can help you if you are …
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Filing for bankruptcy can be a difficult decision, but it’s important to understand that there are many benefits to filing bankruptcy. Here are some of the most significant benefits of filing for bankruptcy: Discharge of Debts One of the most significant benefits of filing for bankruptcy is the ability to discharge most, if not all, …
If you’re considering filing for bankruptcy, you may be wondering if you’ll lose your tax refund. The answer is, it depends on several factors, including the type of bankruptcy you file and the amount of your refund. Here’s what you need to know about how bankruptcy can impact your tax refund: Chapter 7 Bankruptcy If …
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Filing for bankruptcy can be a stressful and intimidating process, but understanding what to expect at the bankruptcy hearing can help alleviate some of your anxiety. The bankruptcy hearing is a crucial part of the bankruptcy process, as it’s where you will have the opportunity to meet with the trustee assigned to your case and …
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Filing for bankruptcy in New Jersey is a major decision that can have significant impacts on your financial future. It’s important to carefully consider your options and determine if bankruptcy is the right choice for you. Here are some factors to consider when deciding if bankruptcy is the right choice for you: Your Debt Load …
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If you’re struggling with debt, you may be wondering if you can file for bankruptcy before a creditor sues you. The answer is yes, you can file for bankruptcy before being sued by a creditor. In fact, filing for bankruptcy early can help you avoid the stress and expense of a lawsuit. Here are some …
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Bankruptcy can be a useful tool for those struggling with debt. If you’re considering bankruptcy, you may be wondering what debts can be included in the process. In this post, we’ll discuss the types of debts that can be included in a bankruptcy. Secured Debts Secured debts are those that are backed by collateral, such …