Deciding Whether Bankruptcy is Right for You

In order to determine whether bankruptcy is the correct option for you, careful consideration must be given to your situation. However, among the most critical factors to take into account are: Whether you are able to pay your debts without filing for bankruptcy; Whether creditors are filing lawsuits against you for collection of their debts;…Read More

Top Reasons People Turn to Bankruptcy

It can be difficult to come to terms with the harsh reality of having to file for bankruptcy. However, you are not alone if you find yourself faced with such a challenging decision. According to data from U.S. bankruptcy courts, over 1.5 million people file for bankruptcy annually. And almost 97 percent of bankruptcy filings…Read More

Exempt Property vs. Non-exempt Property       

When you file for a Chapter 7 bankruptcy, the court designates a bankruptcy trustee who is given the power to sell your assets, and use the proceeds to pay your creditors. Fortunately, filing for bankruptcy does not require you to relinquish all of your assets. There are certain exemptions that allow you to retain some…Read More

The Working Poor Includes 37 Percent of New Jersey Residents

It is estimated that 1.2 million households in New Jersey are working very hard to survive financially. This is according to a new study conducted by the United Way, which says there is a category of people who earn too much to be eligible for federal poverty assistance, but are being hurt by the high…Read More

No Recovery for Employees in Bankruptcy Case

The decision in a bankruptcy case has the potential to upset the procedure of ranking lenders, employees and other creditors in order of priority while they attempt to recoup their funds after a company undergoes a bankruptcy filing. The decision could have an impact on the amount of influence that bankruptcy courts possess in allowing…Read More

Client Testimonials

"Joel was very thorough in every aspect of preparation, presentation and representation of our very complex bankruptcy case. Joel and his staff
were extremely reponsive to our questions and concerns and made us feel that we were their most important client. Joel gave us every option
to consider and his objectiveness was a check and balance to our emotional perspective of our situation. In court Joel had a tremendous
rapport with the judges and court administrators which gave us great confidence in expecting a favorable outcome..." [read more]


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