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…… Read More
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…… Read More
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…… Read More
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…… Read More
The housing crisis in 2008 had many ripple effects throughout the entire nationwide economy but it also had significant repercussions in New Jersey. One of the ways that the New Jersey courts tried to abate many of the most problematic elements of the mortgage foreclosure crisis were through reforms and litigation designed to hold the…… Read More
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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.