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

Debts Discharged in Chapter 7 Bankruptcy in New Jersey

November 2, 2022 Written on Behalf of Joel R. Spivack

Many people elect to file for Chapter 7 bankruptcy since it is a good choice to discharge most or all of your debt. Of course, there are a few debts that can be categorized as non-dischargeable, but under Chapter 7 there are plenty of different types of debt that CAN be discharged. For starters, a……
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Reaffirming Your Car Loan is NOT a Requirement in NJ Bankruptcy

October 26, 2022 Written on Behalf of Joel R. Spivack

Despite what you might have been told by your creditors, you may not have to sign a reaffirmation agreement on your car loan in order to avoid repossession or to rebuild your credit score after filing for bankruptcy. What is a Reaffirmation Agreement? A reaffirmation agreement is a voluntary document that legally obligates a borrower……
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3 Tips To Avoid Identity Theft & Credit Card Fraud

October 19, 2022 Written on Behalf of Joel R. Spivack

We live in a scary time. Modern technology makes it very easy for people to remain anonymous, which gives fraudsters more chances to try and steal your identity and credit cards. It’s possible your information has already been compromised. But you don’t have to sit back and let people steal from you. You have the……
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Disadvantages Of Going Through Foreclosure Without An Attorney

October 11, 2022 Written on Behalf of Joel R. Spivack

It’s always discouraging to fall behind on your mortgage payments, especially when you’re working so hard to meet them each month. But if you fall far enough behind, the lender may begin the foreclosure process, which means your home will be sold at a public auction, with the proceeds meant to cover some of the……
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5 Steps Toward Building a Better Credit Score in New Jersey

October 6, 2022 Written on Behalf of Joel R. Spivack

The need for a good credit score is an increasingly important fact of life. Not only do credit scores influence your ability to get a loan, but they are also now often used to determine whether you will be hired for a job or allowed to rent an apartment.

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.

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Joel R. Spivack

NJ & PA Consumer Bankruptcy & Real Estate Transacations Attorney

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