Legal Blog for Bankruptcy & Real Estate Matters in NJ & PA

Will My Tax Debt Be Discharged Under Chapter 7 Bankruptcy?

February 8, 2023 Written on Behalf of Joel R. Spivack

Discharging old tax debts is a major goal for many Americans who have fallen behind on paying taxes. Much of the public mistakenly believes that filing for bankruptcy will automatically clear all debts including tax debts, but this isn’t always the case. You may be able to discharge certain tax debts when filing for Chapter……
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Getting a Mortgage After Bankruptcy: The Letter that May Make the Difference

February 1, 2023 Written on Behalf of Joel R. Spivack

Since filing for bankruptcy protection may shave more than 200 points off your credit score (more if your house was foreclosed on!), it stands to reason that you may not be the picture of a good risk when applying for a mortgage. However, that doesn’t mean you can’t get a loan approved; a good letter……
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6 Signs it’s Time to Consider Filing Bankruptcy

January 24, 2023 Written on Behalf of Joel R. Spivack

“I’ll get around to it.” You’ve probably said that sentence a time or two in your life. Maybe you’ve even said it about paying your bills. Unfortunately, pushing things aside for later can lead to big problems. Avoiding bills can only last so long before you’re too far behind to catch up on the payments…….
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The Fair Credit Reporting Act: Your Rights and Common Violations

January 18, 2023 Written on Behalf of Joel R. Spivack

Credit reporting agencies, creditors and other users of such information are subject to the Fair Credit Reporting Act. If any of these types of entities are found violating this act, then it may be possible to seek damages from the offender in civil court. Your Rights Under the Fair Credit Reporting Act The Fair……
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4 Criteria For Tax Debt To Be Dischargeable Under Bankruptcy

January 11, 2023 Written on Behalf of Joel R. Spivack

Many people who struggle with their finances and debt also struggle with tax debt. It’s very common for people to turn to bankruptcy as a solution to their tax problems. Although bankruptcy can help with many types of tax issues, it can’t solve all tax debt problems. If you know how bankruptcy works when it……
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Our Client Reviews on Google

Results may vary depending on your particular facts and legal circumstances.

Destiny Waller

2022-03-06

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!

Caius Santos

2022-02-14

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.

Joe Delia

2022-02-02

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

2022-01-25

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.

B Noshn

2022-01-25

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.

Sandra Waite

2022-01-24

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.

Greg Clementi

2022-01-24

Helped me every step of the way, let me know all my options

Brian Speigel

2021-11-24

Dear sir , i had a good experience with you getting it done right and helping me with the process

joseph hoffman

2021-11-13

Mr. Spivak was experienced, knowledgeable, and understanding in representing us in a closing resulting in a successful transaction. I highly recommend him.

Damiana Padilla

2021-10-16

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.

See my ratings and reviews on AVVO and Lawyers.com.

Joel R. Spivack

NJ & PA Consumer Bankruptcy & Real Estate Transacations Attorney

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