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

7 Top Reasons People Turn to Bankruptcy in New Jersey

September 28, 2022 Written on Behalf of Joel R. Spivack

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 nationwide. And almost 97 percent of bankruptcy……
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Can Filing for Bankruptcy Stop the Foreclosure Process in NJ?

September 7, 2022 Written on Behalf of Joel R. Spivack

Filing for bankruptcy will stop the foreclosure proceeding, at least temporarily. The Automatic Stay, an order issued by the court, requires your creditors to stop actions against you immediately. This means that even if a foreclosure sale on your house is scheduled, it must be postponed while your bankruptcy is pending. This is usually good……
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What Is Wage Garnishment?

August 29, 2022 Written on Behalf of Joel R. Spivack

In certain instances, a court can order that a person’s wages be garnished in order to pay off a creditor, to cover mandatory child support payments, or to take care of other legal obligations. When you are hit with a wage garnishment, this means that your employer will be required to withhold a portion of……
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Short Sale: A Way Out From Under a Crippling Mortgage in NJ or PA

August 24, 2022 Written on Behalf of Joel R. Spivack

Short Sale: A Way Out From Under a Crippling Mortgage in NJ or PA Since the pandemic, families have been struggling to pay bills, find work and are losing homes to foreclosure. While government officials search for ways to move the country down the road to recovery, many families are left searching for ways to……
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4 Tips for Dealing with Debt Collectors

August 17, 2022 Written on Behalf of Joel R. Spivack

People all across the country are struggling in this economy. Unemployment and foreclosure rates remain high, and an aging population is ending up with mounting medical bills that they cannot cover.

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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