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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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“As Is” House Sales: Implications for Sellers and Buyers
- posted: May 30, 2023
Selling a house “as is” is sometimes a good option for owners who want to move the property quickly and smoothly. The house is sold in its existing condition and Read More
Options for Homeowners Facing Foreclosure
- posted: May 15, 2023
New Jersey had the second-highest rate of foreclosure activity in the country in 2022, with approximately 17,000 households receiving a foreclosure notice. Foreclosures are likely to continue increasing as a Read More
How Often Can You File for Bankruptcy in New Jersey?
- posted: May 01, 2023
Bankruptcy provides a fresh financial start, but it doesn’t mean that you won’t fall on hard times in the future. You could suffer a career setback, have a major health Read More
How a Sole Proprietor Can Use Chapter 13 to Reorganize Business Debt
- posted: Mar. 30, 2023
A Chapter 13 bankruptcy is a realistic option for sole proprietors to reorganize business debt. Individual owners who have not created a separate business identity are personally liable on the Read More
Avoiding Home Foreclosure Through Bankruptcy or a Short Sale
- posted: Feb. 28, 2023
The family home is the greatest single asset for many people, but it’s common for houses to be heavily mortgaged, putting overwhelming strain on the owners’ ability to keep up Read More
What Happens to Assets Inherited During a Chapter 13 Proceeding?
- posted: Jan. 30, 2023
Chapter 13 is a form of bankruptcy that allows a wage earner to restructure debts in accordance with a three- to five-year repayment plan. Generally, all assets received by the Read More
How Long Does a Bankruptcy Stay on Your Credit Report?
- posted: Dec. 30, 2022
One of the consequences of filing for bankruptcy is that the bankruptcy will go on your credit report and remain there for an extended length of time. This will have Read More
How to Rebut the Presumption of Abuse in a Chapter 7 Case
- posted: Nov. 30, 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: Oct. 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: Sep. 30, 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: Aug. 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. 30, 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
