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I highly recommend Mr. Zimmermann as an attorny. I recently purchased an investment property and boy was he helpful. He was easily available, very clear in explaining various concepts, laws and regulations, and provided very helpful tips o...
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How to Rebut the Presumption of Abuse in a Chapter 7 Case
- posted: Sep. 15, 2022
Given the choice, most people struggling with insurmountable debt would choose to file Chapter 7 (liquidation) bankruptcy over Chapter 13 (reorganization). Chapter 7 is faster, cheaper and usually results in Read More
What Not to Do Before Filing for Bankruptcy
- posted: Aug. 30, 2022
The decision to file for bankruptcy should not be entered into lightly or without a full understanding of all the potential issues involved. The promise of a fresh start on Read More
Discharging Credit Card Debt in Bankruptcy: What You Need to Know
- posted: Aug. 15, 2022
Unmanageable credit card debt is one of the leading reasons people file for bankruptcy. Generally, a Chapter 7 bankruptcy erases credit card debt entirely. In a Chapter 13, you pay Read More
What Happens at the Creditors’ Meeting During Your Bankruptcy?
- posted: Jul. 30, 2022
Everyone who files a Chapter 7 or 13 bankruptcy must attend a creditors’ meeting. The prospect of facing creditors is intimidating to many people, but in most cases it is Read More
Bankruptcy Exemptions Can Protect Nearly All of Your Property
- posted: Jul. 15, 2022
Many people have the impression that real-life bankruptcy is like Monopoly: once you run out of cash, all your property is lost. Thankfully, the rules of bankruptcy are more forgiving. Read More
Keys to a Successful Chapter 13 Bankruptcy
- posted: Jun. 30, 2022
A Chapter 13 bankruptcy is intended to allow individuals with regular income to adopt a plan for repaying a portion of their debts over an extended period of time, with Read More
The Bankruptcy Automatic Stay Stops Paycheck Garnishments, Bank Account Levies and Sheriff Sales
- posted: Jun. 15, 2022
The purpose of bankruptcy is to give a debtor a “fresh start” by providing temporary protection from creditors. Part of that protection is the automatic stay, which is a legal Read More
How the Bankruptcy Court Can Assist Debtors in Modifying Their Mortgages
- posted: May 30, 2022
Many people file for Chapter 13 bankruptcy to stop foreclosure on their homes due to mortgage delinquencies. Chapter 13 initiates an automatic stay that halts foreclosure proceedings while the case Read More
Even Some One-time Billionaires Ended up Filing for Bankruptcy Protection
- posted: May 15, 2022
Many New Jersey residents wait to learn about bankruptcy or other debt relief options because they are embarrassed or believe that serious financial problems are limited to a certain segment Read More
What Happens in Mandatory Bankruptcy Counseling?
- posted: Apr. 30, 2022
One aspect of bankruptcy that people sometimes overlook is the mandatory counseling that must be completed at each end of the process. First, you have to receive counseling in the Read More
Do You Need Relief from the Financial Pressure Caused by Inflation and Higher Interest Rates?
- posted: Apr. 15, 2022
Americans have faced unprecedented challenges over the last couple of years. In the wake of the COVID-19 pandemic, some industries have not fully recovered while many individuals are still trying Read More
Pros and Cons of Short Selling Your Home to Avoid Foreclosure
- posted: Mar. 30, 2022
Homeowners who fall behind on their mortgage payments face the possibility of foreclosure — a forced sale of the property that allows the lender to recover part of the debt Read More
Why Bankruptcy Is Often a Better Path Than Debt Consolidation
- posted: Mar. 15, 2022
Debt consolidation companies purport to offer you a way out of financial straits by rolling all of your debts into a single loan or line of credit, thereby simplifying the Read More
Obtaining a Hardship Discharge of Student Loans in Bankruptcy
- posted: Feb. 28, 2022
Student loans saddle many college and professional graduates with heavy debt that can persist for years. Since well-paying employment is not a guarantee for the well-educated, student loan debt can Read More
Using Chapter 13 Bankruptcy to Cure Mortgage Arrears
- posted: Dec. 22, 2021
If you are a homeowner who falls behind on your mortgage payments, it might seem impossible to make your account current again. If the bank isn’t patient, it may accelerate Read More
Debtor Beware: The Bankruptcy Automatic Stay Doesn’t Stop Everything
- posted: Dec. 22, 2021
One of the benefits of filing for bankruptcy protection is the automatic stay, which stops most creditors in their tracks. It prevents filing or proceeding with lawsuits to collect judgments, Read More
