While this year is different than all others, the kids are heading back to school in some way. Perhaps, they did not need to do as much back to school shopping as years past. Regardless, you may have spent significant money this summer on vacation or and other summer activities to keep the family sane while you were working from [...]
When declaring personal bankruptcy, one of the filer’s main considerations is his or her willingness to give up certain properties and assets. Although retaining a property such as a home, car, or certain investments would depend on the type of bankruptcy filed whether it was under a secured or unsecured debt, this post gives you an overview of what to [...]
Karina Lucid, owner of Lucid Law, is featured on NJ.com. Karina discusses how she, as a bankruptcy lawyer, helps people with financial difficulties. Check it out here.
I am always amazed how low some organizations can be when preying on people who have filed for bankruptcy. A client recently passed along a solicitation letter that she received in the mail. It is an obvious post-bankruptcy car loan scam. Basically, this letter says that once you file for bankruptcy, all your creditors will stop reporting activity on lines [...]
It has come to my attention, that clients feel like they are being scammed by an outfit called DocketBird. According to their website, DocketBird is the most advanced, user-friendly application for accessing federal court case information. Basically, it appears the they mine data from PACER (Public Access to Court Electronic Records) for their customers. PACER, an official website of the [...]
The thought of personal bankruptcy creates fear for many people. But the truth is, there are greater fears that bring you to the brink of filing for bankruptcy. So rather than focus on the fear of bankruptcy, here is a different perspective – file bankruptcy and be done being scared. Let me explain further. Are you scared that your bills [...]
One of the major decisions an individual faces especially during difficult times is filing for bankruptcy. Unsecured debts brought about by mounting medical bills, credit card debt, and even unpaid utility bills can be hard to deal with especially if your monthly income is very limited. Some may have enough disposable income to file a Chapter 13 bankruptcy petition in [...]
When I meet with potential clients for the first time, I feel their apprehension about filing for bankruptcy. Often times, they fear the stigma of bankruptcy. They feel like they have failed themselves and their families. They are worried what other family members, friends, neighbors and employers will think about them. I spend a lot of time explaining the process, [...]
Those who wish to declare bankruptcy have to go through necessary steps in order to enjoy the automatic stay and eventually arrive at a bankruptcy discharge. There are many elements involved in the bankruptcy process, and they have the potential to define one’s experience with personal bankruptcy. One of these influential factors is the list of bankruptcy exceptions that the [...]
You’ve probably heard credit card companies claim that people go bankrupt because they can’t control their spending. However, the fact is that you don’t have to misuse your credit cards to go into bankruptcy. People many times in the past have filed for bankruptcy with bankruptcy courts for reasons other than overspending. This blog will discuss New Jersey bankruptcy basics. [...]
