LucasAlex.Net | NJ Bankruptcy Lawyer (201) 646-3333

Friday, July 10, 2020

201-646-3333 | BANKRUPCY ATTORNEY IN BERGEN, HUDSON, ESSEX, PASSAIC COUNTIES - HACKENSACK |NJ - NY|

201-646-3333 | BANKRUPCY ATTORNEY IN BERGEN, HUDSON, ESSEX, PASSAIC CO

UNTIES - HACKENSACK
|NJ - NY|

PASSAIC COUNTY & BERGEN COUNTY & HUDSON COUNTY & Some ESSEX

Bloomingdale (07403) Clifton (07011) Green Pond (07435)Greenwood Lake (07421)

Haledon (07538) Haskell (07420) Hawthorne (07506) Hawthorne (07507) Hewitt (07421)

Hillcrest (07502) Jefferson Township (07438) Jefferson Twp (07438) Little Falls (07424)

Midvale (07465) Mountain View (07470) North Haledon (07508) North Haledon (07538)

Oak Ridge (07438) Pompton Lakes (07442) Preakness (07470) Prospect Park (07508)

Prospect Pk (07508) Ringwood (07456) Shady Lake (07480) Totowa (07502) Totowa (07511) Totowa Boro (07512) Upper Greenwood Lake (07421) W Paterson (07424) Wanaque (07465)

Wayne (07470) Wayne (07474) West Milford (07480) West Milford Lakes (07480) West Paterson (07424) Woodland Park (07424) Allendale (07401) Alpine (07620) Bergenfield (07621) Bogota (07603)

Carlstadt (07072) Cliff Park (07010) Cliffside Park (07010) Cliffside Pk (07010)

Closter (07624) Cresskill (07626) Darlington (07446) Demarest (07627) Dumont (07628)

E Rutherford (07073) East Rutherford (07073) Edgewater (07020) Elmwood Park (07407)

Emerson (07630) Englewd Clfs (07632) Englewood (07631) Englewood (07632) Englewood Cliffs (07632) Fair Lawn (07410) Fairlawn (07410) Fairview (07022) Fort Lee (07024) Franklin Lakes (07417)

Franklin Lks (07417) Garfield (07026) Glen Rock (07452) Hack (07601) Hackensack (07601) Harrington Pk (07640) Hasbrouck Heights (07604) Hasbrouck Hts (07604) Haworth (07641)

Hillsdale (07642) Hillsdale (07676) Ho Ho Kus (07423) Leonia (07605) Little Ferry (07643)

Lodi (07644) Lyndhurst (07071) Mahwah (07430) Mahwah (07495) Maywood (07607) Midland Park (07432) Midland Pk (07432) Montvale (07645) Moonachie (07074) Morsemere (07657) N Arlington (07031) N Milford (07646)

New Milford (07646) (07699) North Arlington (07031) Palisades Park (07650) Palisades Pk (07650) Paramus (07652) Paramus (07653) Park Ridge (07656) Radburn (07410) Ramsey (07446) Ridgefield (07657)

Ridgefield Park (07660) Ridgefield Pk (07660) Ridgewood River Edge (07661)Rochelle Park (07662) Rockleigh (07647) Rutherford (07070) S Hackensack (07606) Saddle Brook (07663) Saddle River (07458)

South Hackensack (07606) Teaneck (07666) Tenafly (07670) Teterboro (07608) Teterboro (07699) (07463) Wallington (07057) Westwood (07677) Wood Ridge (07075) Wood-Ridge (07075) Wyckoff (07481)

Arlington (07032) Bayonne (07002)Bergenline (07087) East Newark (07029) Guttenberg (07093) Harrison (07029) Hoboken (07030) Jersey City (07097) Kearny (07032) North Bergen (07047)

Union City (07087) Washington Street (07030) Weehawken (07087) West Arlington (07032)

West New York (07093) Woodcliff (07047) Montclair (07043) N Caldwell (07006) Newark (07106) Newark (07107) Newark (07108) Newark (07114) Newark (07175) Bloomfield Belleville Irvington (07111)

Thursday, July 9, 2020

WARNING SINGS OF BANKRUPTCY - ATTORNEY IN HACKENSACK NEW JERSEY

WARNING SINGS OF BANKRUPTCY

If several of the following apply in your situation, you might consider discussing bankruptcy with New Jersey Bankruptcy lawyer Rafael Gomez:

your wages or your bank account have been garnished
most of your debts are Unsecured Debt like credit card bills, hospital or doctor's bills, etc.
your total debt, not including your car or house loan, is more than you could pay, even over five or more years
collection agencies are calling you at home and/or at work
your payments are more than 30 days behind on more than one bill
there are lawsuits pending against you
you have high medical bills not covered by insurance
you owe income taxes that you are currently unable to pay
you have few assets
you have little or no savings
you have had property repossessed (such as a vehicle)
your mortgage lender has threatened or started foreclosure proceedings against your home

People who have had their wages garnished can especially benefit from a bankruptcy because the bankruptcy will stop the garnishment and could potentially help you get some of the garnished money back.

Tuesday, July 7, 2020

FILING JOINTLY - HACKENSACK BANKRUPTCY LAWYER

FILING JOINTLY

Married couples have special issues that they should take into account when filing for bankruptcy. Although not a requirement in New Jersey bankruptcy cases, spouses have the option to file a chapter 7 or chapter 13 bankruptcy petition jointly. This is a special type of bankruptcy filing that allows spouses to file together. Essentially, a joint filing involves two separate bankruptcy cases that are administered as a single case in the interest of judicial economy. Only one filing fee is paid for a joint filing.

Is an Individual or Joint Filing Right For Me?

Determining whether you should file individually or jointly with your spouse is an important issue to consider when determining whether to file for bankruptcy in New Jersey. If you and your spouse share much of your debt, it may be in your best interests to file your petition jointly, as your spouse may be held liable by creditors for the debt that you share. When you consider that many married couples have joint credit cards, mortgage loans and car loans, filing a bankruptcy case jointly in Bergen/Hudson or Passaic County may be the only way to avoid having one spouse held liable for these debts by creditors who may enter a wage garnishment order or bank levy against the assets you want to protect.

Joint and individual bankruptcy in New Jersey will have different impacts on a debtor depending on whether they file a Chapter 7 or Chapter 13 case. For example, filing a Chapter 13 bankruptcy means that the non-filing spouse may be offered more protection from liability for shared debts. Chapter 7, however, may offer no protection to the non-filing spouse.

Discussing the advantages and impacts that a joint bankruptcy filing by husband and wife in New Jersey will have on you and your spouse is important - and a free consultation with Bergen/Hudson County bankruptcy lawyer, Rafael Gomez will help you get started.

Mr. Gomez has helped many married couples who filed jointly and have lived in, for example, Hackensack, Bogota, Maywood, Little Ferry, Paramus, Rochelle Park, Moonachie, Wood Ridge, Hasbrouck Heights, Lodi, Garfield, Oradell, Closter, Englewood, Bergenfield, Teaneck, Ridgefield Park, Cliffside Park, Palisades Park, Leonia, Fort Lee, Tenafly, Fairview and other Bergen County communities. He has also filed joint bankruptcy cases for married couples living in the Hudson County communities of Union City, West New York, North Bergen, Jersey City, Guttenberg, Secaucus, Bayonne, Kearny, Harrison, East Newark and other nearby communities. In Passaic County, Mr. Gomez has filed joint bankruptcy case/petitions for married couples with marital debt who lived in Paterson, Passaic, Clifton, Hawthorne, Haledon, West Milford, West Paterson/Woodland Park, Prospect Park, Ringwood, Totowa and Wayne.

Monday, July 6, 2020

FOLLOW US ON INSTAGRAM - BANKRUPTCY ATTORNEY IN HACKENSACK NEW JERSEY

FOLLOW US ON INSTAGRAM

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SEARCH FOR:

LUCASALEX_BANKRUPTCYLAWYER

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201-646-3333

259 UNION STREET

HACKENSACK - NEW JERSEY

Friday, July 3, 2020

CLIENTE REVIEW - BERGEN COUNTY LAWYER

201-646-3333

CAR ACCIDENT PROBLEM SOLVED

BANKRUPTCY ATTORNEY IN HACKENSACK NEW JERSEY AND REGION

WHAT IS THE PROCESS? - BANKRUPTCY ATTORNEY IN NEW JERSEY

HACKENSACK BANKRUPTCY
LAWYER

201-646-3333

Understanding the bankruptcy process is an important part in determining whether to file for bankruptcy and getting a clear picture of what you are up against over the next several months. The timeline and process associated with filing for bankruptcy in New Jersey will vary depending upon whether you file a Chapter 7 or Chapter 13 case, but the basic process has been laid out below:

The bankruptcy process will begin with determining whether you qualify. You must have completed a certified credit counseling briefing within the past 180 days. If you have previously filed or attempted to file for bankruptcy in the past, you must wait a certain amount of time before filing another petition.

Your bankruptcy case will formally begin when you file your petition with the bankruptcy court. At this time, the court will place an automatic stay on all collection efforts, including foreclosure. A bankruptcy trustee will also be assigned to oversee your case.

Within 15 days of filing, you must file particular information with the court, declaring assets, liabilities, income, expenses, and the like. If you filed a Chapter 13 case, you will need to provide a payment schedule as well.

You will need to file a statement of intention regarding your debts, including which debts you would like to reaffirm in order to keep particular property and continue making payments on it.

Within 45 days of filing for bankruptcy, the bankruptcy trustee will schedule a meeting of creditors. Your presence will be required at this meeting, and you will need to testify under oath about the accuracy of all the statements and information in your bankruptcy petition.

The bankruptcy process will conclude with the discharge of all eligible debt. For a Chapter 7 case, this may occur within 6 months of filing. For a Chapter 13 case, this discharge will occur within 3 to 5 years of filing (after the completion of the payment plan.)

You can help ensure that the bankruptcy process goes as smoothly as possible and that your debt is successfully discharged by working with an experienced New Jersey Bankruptcy attorney.

Thursday, July 2, 2020

CALL 201-646-3333 RIGHT NOW

CALL 201-646-3333 right now for an appointment.

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Wednesday, July 1, 2020

COME VISIT US - HACKENSACK BANKRUPTCY LAWYER

COME VISIT US

HACKENSACK BANKRUPTCY LAWYER

WE ARE LOCATED AT THE ADDRESS:

259 UNION STREET - HACKENSACK NJ

Tuesday, June 30, 2020

FORECLOSURE - BERGEN COUNTY BANKRUPTCY LAWYER

FORECLOSURE

201-646-3333 BERGEN COUNTY BANKRUPTCY LAWYER

Today many New Jersey homeowners living in Bergen, Hudson or Passaic County are faced with the crisis of losing their homes. More people are asking how foreclosure will affect their credit. The answer to that question is: it will affect your credit very negatively along with a host of other financial ramifications. If the foreclosure process begins on your home you will not be able to apply for any type of loan for two full years. This includes any kind of financing no matter how small.

Many people in northern New Jersey mistakenly believe that all mortgage debt is extinguished once a lender forecloses on the property. In fact, given the depressed real estate market, most lenders must often sell the foreclosed property for less than the mortgage amount or less than market value. This leaves the lender with one remedy: file suit against the debtor for the "deficiency". The deficiency is the amount the debtor still owes the bank because the sale of the house did not cover the mortgage on the house. This debt remains and does not go away as many people mistakenly believe. Fortunately, those New Jersey debtors who have walked away from a property on purpose or who have been foreclosed because they were unable to modify their mortgage may file bankruptcy to discharge the debt the bank will continue to pursue. In most of these cases the best option is to file a Chapter 7 Bankruptcy since there is no longer any equity about which to be concerned.