Mortgage fraud can be committed intentionally or by accident. It can be committed by individual borrowers as well as by lenders. According to the Federal Bureau of Investigation (FBI), mortgage fraud is defined as any type of “material misstatement, misrepresentation, or omission relating to the property or potential mortgage relied on by an underwriter or…… Read More
You might be hesitant to file for bankruptcy because you’re afraid you might lose your job. Maybe you’re concerned that a potential employer will deny your employment if you filed for Chapter 7 or Chapter 13 bankruptcy. If you can’t meet your financial demands with a job, how would you meet them without one? Will…… Read More
People often find themselves contemplating bankruptcy because they’re in over their heads with monthly car payments. If you’ve been affected by COVID-19 and are unable to meet your financial responsibilities, you need a plan for debt relief and resolution. When Car Payments Become Too Much A car you once loved can become a major problem…… Read More
In a Chapter 13 bankruptcy, your debt will be broken down into: Secured debts Priority unsecured debts, and Non-priority unsecured debts For secured debts guaranteed by collateral, you will have to pay or surrender them if the collateral secures your obligation. This is usually property like a car or house. Priority unsecured debts don’t go…… Read More
If a creditor sues you and successfully gets a judgment, wage garnishment is one way they can collect. Wage garnishment allows your creditor to take part of your employment income. This is accomplished through a wage garnishment order that the judgment creditor serves on your employer. Then, your employer has to withhold money from each…… 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.