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The Difference Between Foreclosures & Short Sales

Your debt is overbearing and you can’t keep up with your mortgage payments. There are a few possible paths you could face next, including foreclosure or a short sale. Both will help pay back creditors and lenders, but they’re different routes and don’t come without their own problems. Foreclosure If you miss a certain number……
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When Dealing With Debt Collectors, It Pays To Know Your Rights

So you bought something on credit, but then never saw a bill for it. Perhaps you think: no bill = winner/free stuff! At some point, the company is likely to balance their books and find your debt. But just how long can a creditor wait before attempting to collect on that debt? Am I off……
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What Are Home Foreclosure Adjournments and How Many Can Be Used?

Are you facing foreclosure? If so, you’re not alone, it’s more common in New Jersey than many realize. In fact, we have more active foreclosure cases than any other state in the U.S. It’s a sad reality, and a big part of it is the legal procedures in place. If your house has gone into……
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Joel R. Spivack Receives 2020 “Awesome Attorney” Award

We are very proud and excited to announce that Attorney Joel R. Spivack has been named in the South Jersey Magazine 2020 Awesome Attorneys List in the category of Bankruptcy and Creditor-Debtor Rights Law. This is the sixth consecutive year Mr. Spivack has been acknowledged as an Awesome Attorney by South Jersey Magazine readers. With……
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Is Information From A Bankruptcy Public?

Privacy has been, and most likely always will be, desirable in many aspects of your life. It becomes especially desirable in times of struggle and can play a big part in the decisions you make to help yourself. When it comes to bankruptcy, many worry about how public the information is going to be. Is……
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