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Many people lost their jobs during the pandemic and got mortgage forbearances to help them. Some were fortunate and got the mortgage forbearance arrears to be put at the balance of their mortgage which can be a loan modification or partial claims mortgage. However,...
Many people who live in New Jersey are concerned since there is so much confusion over the Eviction Moratorium. Some renters are protected until the end of the year by Governor Murphy’s legislation. However, not all tenants get that protection until the end of the...
Since the beginning of the pandemic, the government has spent substantial sums of money which has created inflation which seriously devalues any money you have saved. Also, as the country is moving towards energy dependence gasoline prices have skyrocketed. When...
Prior to the United States’ Supreme Court’s decision in City of Chicago v. Fulton 592 U.S. (2021), if your vehicle was repossessed, you would file a chapter 13 bankruptcy petition and provide the creditor with proof of insurance and get your vehicle back within a...
Over the past 36 years the biggest fear that my clients have is losing their home if they file a chapter 7 bankruptcy. First, we have to look at the entire picture. If you are behind on your mortgage and you want to keep your home, then you should file a chapter 13...
For people struggling financially due to the Covid 19 Pandemic, is a $1,400 stimulus check or tax refund truly going to resolve their financial issues and make them debt free? If a stimulus check or tax refund can get you totally debt free where you have no balance on...
Since the Covid-19 Pandemic hit, most people have been DELAYING dealing with their debt since there are moratoriums on evictions and foreclosures. Even though the courts are open in New Jersey and creditors are pursuing collection cases, the key word is DELAY since...
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...