Bankruptcy is a complicated issue that affects many areas of one’s life, but in general, filing for bankruptcy doesn’t interfere with eligibility to receive federal aid. It can, however, affect eligibility for some student loans and loan programs, but it might not be as bad as you think. A green light for financial aid and…… Read More
There was a difficult lesson to be learned in the United States in 2008 during the financial crisis. Many lost their homes, their cars, and their jobs as a result of extremely high household debt. Debt at the time had reached a peak of $12.68 trillion towards the end of 2008. This debt situation is…… Read More
For a long time now, it has generally been understood that, with few exceptions, student loan debts could not be discharged through bankruptcy. This meant that for millions of Americans who went to college and had to take out student loans while working toward their degrees, the debts could hang over their heads for years…… Read More
Student loan debt in the United States is spiraling out of control, with more than 40 million Americans currently owing some amount of debt on student loans. Rajashri Chakrabarti, a senior economist with the Federal Reserve Bank of New York, recently said that the explosion of student loan debt in this country portends serious problems…… Read More
The NJ Legislature recently passed a bill that will ease the financial burden currently placed on grieving parents by student loan providers. The sad reality is that parents who tragically lose a child often have a lot more to deal with than just making funeral arrangements and grieving over their loss. That’s because parents can…… 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.