Category Archives: Bankruptcy

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A Guide to the Different Chapters of Bankruptcy

If you’re on the verge, or even just considering the concept of filing for bankruptcy, understanding your options is an important step. People commonly hear about Chapter 7 or Chapter 13, but may not know the difference. The truth is the Bankruptcy Code allows for multiple different types of bankruptcy and understanding the difference between……
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Should I Be Worried About Going to My Meeting of Creditors?

Should I Be Worried About Going to My Meeting of Creditors? There’s no doubt that declaring bankruptcy is a tough choice to make. For many, it’s the only viable way to start over with a clean slate. In 2021 alone, more than 413,000 people filed for bankruptcy in the United States. Though most people who……
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The 3 Types of Creditor Claims in Bankruptcy in New Jersey

Filing for bankruptcy is an option many people take when they need to free themselves from financial hardship and get a fresh start. It’s not for everyone, but it’s more than helpful for those who qualify. When filing for bankruptcy, it’s important to know how the courts will treat your debts. When it comes down……
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Can You File Bankruptcy to Clear Court Fines?

Can You File Bankruptcy to Clear Court Fines? Bankruptcy gives a fresh start to individuals underwater with their debts, but not all debts can be discharged through filing a bankruptcy.  Attorney Joel R. Spivack has extensive bankruptcy law experience and can help you understand whether your court fines are dischargeable under the Bankruptcy Code. Can……
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What Happens to Your Mortgage if You File Bankruptcy

Bankruptcy can help you recover from your debt, but you’ll still have to make your mortgage payments. An attorney at The Law Office of Joel R. Spivack can explain how the bankruptcy laws affect your home mortgage. If you’re unable to keep up with your mortgage payments, filing for bankruptcy can offer relief from debt……
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