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Since Covid-19 has hit there is so much uncertainty and many people do not understand the Executive Orders signed by Governor Murphy. The process with real estate taxes is as follows: New Jersey law requires that all 566 municipalies hold at least one tax sale per...
Since Covid-19 has hit there is so much uncertainty and many people are getting deeper in credit card debt and personal loans. They are making payments each month which is killing them and not putting a dent in principal. Besides everybody worrying about Covid-19,...
I started practicing law in 1985 and like all of you, nobodyincluding the greatest fiction writers in the world, would have predicted how COVID-19 would throw our lives upside down and have a devastating impact on so many people financially. We have been extremely...
There is so much misinformation about bankruptcy on the internet. The first thing that people must realize is that there are several bankruptcies available to help people who are in debt. When most consumers think of bankruptcy, they are talking about a chapter 7...
11 USC 523(a)(8) makes student loans non-dischargeable in bankruptcy unless excepting such debt from discharge would impose and undue hardship on the debtor or dependent. There has been a trend in the last few years to relax the strict standard to establish what is...
On August 27,2020 the Federal Housing Finance Agency announced that Fannie Mae and Freddie Mac will extend the moratoriums on single family foreclosures and real estate owned evictions until at least December 31,2020. This moratorium only applies to Enterprise backed...
Many of our clients, who are currently in chapter 13 do not realize that the CARES Act allows them to extend their plans up to 84 months(instead of 60 months) if they can establish that COVID-19 has materially impacted their financial situation. At TAIEBLAW, we have...
As Mr. Taieb has advised in the past, you should never waste your tax refund on credit cards unless it satisfies them totally and makes you debt free. Even though you are attempting to pay back your debt, the creditors will still go after you if you have not satisfied...
Steven N. Taieb, Esquire has been helping people for 34 years who got into debt due to circumstances outside of their control. If you fall behind on your mortgage or auto payment because of unforeseen circumstances, a bankruptcy petition is there to help your...
A senior came to TAIEBLAW who has a very good income on paper but is getting killed by the credit card payments each month since they are over 30% interest. The senior is able to file a Chapter 13 plan to substantially eliminate a large chunk of her debt. She would...