When addressing the financial strategies of my clients, one recurring issue that presents itself is the practice of only making the minimum payments on credit card balances. It is imperative to understand why this approach can be detrimental to one’s financial health. The interest rates associated with credit cards are typically much higher than other…… Read More
When confronted with the overwhelming burden of debt, it’s natural for people to seek relief from any source possible. Debt settlement, a strategy in which a third party negotiates with your creditors to reduce or eliminate your debt, often presents itself as an attractive option. However, like most financial strategies, it’s not without its pitfalls. …… Read More
Financial distress can feel overwhelming, and finding the right path toward resolution can be challenging. Two common strategies that individuals consider when addressing this crisis are debt consolidation and bankruptcy. Both options present potential advantages and disadvantages and must be approached with a clear understanding of the individual’s unique financial circumstances. In this post, we’ll…… Read More
Are you facing foreclosure? If so, you’re not alone, it’s more common in New Jersey than many realize. In fact, we have more active foreclosure cases than any other state in the U.S. It’s a sad reality, and a big part of it is the legal procedures in place. If your house has gone into…… Read More
Bankruptcy is designed to provide those struggling financially to get a fresh start. It has its advantages and disadvantages, making it something that will work for some but may not work for all. You might be considering bankruptcy, but are worried you will lose every piece of property you own. This is especially true if…… Read More
Results may vary depending on your particular facts and legal circumstances.
Very grateful that we hired Joel for our home purchase! He was extremely professional and made the process smooth sailing. He always responded to our questions same-day and was happy to explain the process to us several times (which we definitely needed.)
We weren’t sure we needed an attorney for purchasing a home, but we saved money and stress during the negotiation process, so certainly worth it. Thank you for your help Joel!
If you’re considering filing bankruptcy I highly recommend you use Joel Spivack. He is knowledgeable, courteous and professional. He guided me through the process and went through smoothly without any surprises.
Joel has had our back on more than one occasion. He's professional and personable. I called him on a Friday after hours and he called right back. Talk about peace of mind. I didn't have to sit on a problem over the weekend. He's helped us sort out some pretty sizable problems for a very reasonable fee. Hiring him was one of the best decisions we ever made.
B Lal khan
I found Mr Spivack to be an extremely intelligent and compassionate attorney who helped us through a very difficult financial time. He handled our bankruptcy efficiently and made us very comfortable with our choice to file. I also felt that his fees were EXTREMELY reasonable compared to most bankruptcy attorneys. He even offered us follow up advice after the bankruptcy, if I were to need any. I would highly recommend Mr Spivack if searching for an attorney.
Highly Recommend, Mr Spivak helped me with a very difficult situation that I was in. From the very first meeting with him, he explained everything to me clearly. He was always available to me and always return my calls or texts promptly. He always sent me any information that he received from the courts with an explanation.
Joel Spivack helped us with our recent bankruptcy and I can't say enough great things about him. He was professional, responsive to our many questions and did not make us feel bad about having to file bankruptcy. He knows everything there is to know about the laws surrounding bankruptcy and guided us through the entire process. If you want someone who knows the law and will help you every step of the way, Mr. Spivack is the person to call.
Helped me every step of the way, let me know all my options
Dear sir , i had a good experience with you getting it done right and helping me with the process
Mr. Spivak was experienced, knowledgeable, and understanding in representing us in a closing resulting in a successful transaction. I highly recommend him.
Joel has been a life saver. He has gone above and beyond our expectations. We made the mistake of not hiring a lawyer during attorney review and once we started having issues we hired Mr. Spivack. After speaking to him we knew he would help us through the rest of the real estate transaction. Joel did not disappoint he went above and beyond and gave us piece of mind. Thank you Joel for your professionalism and proficiency, we look forward to a continuous relationship.