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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...
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...