Bankruptcy can help you recover from your debt, but you’ll still have to make your mortgage payments. An attorney at The Law Office of Joel R. Spivack can explain how the bankruptcy laws affect your home mortgage. If you’re unable to keep up with your mortgage payments, filing for bankruptcy can offer relief from debt…… Read More
When a person files for bankruptcy in New Jersey, it is important for them to understand that there will likely be serious consequences as they embark on a highly complex process. That’s why it is imperative that an individual thinking about seeking bankruptcy protection first speak with a qualified bankruptcy and debt management attorney who…… Read More
What Happens with My Tax Refund If I File for Personal Bankruptcy? When debt becomes unmanageable, many people wonder where they can turn for help. Filing for bankruptcy can help you discharge certain debts; however, the process itself is anything but simple. A common question we receive is, Can I keep my tax refund after…… 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
One of the largest differences between Chapter 7 and Chapter 13 protections is that, with Chapter 7, most of your debts are discharged. Under Chapter 13, you get to live in the same way you’ve become accustomed to (for example, keeping your house and vehicles) and you pay back your debt over a longer period…… 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.