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Bill's Blog

WHAT TO DO WHEN YOU CAN’T PAY YOUR MORTGAGE?

Posted by William Wolfson | Nov 09, 2023 | 0 Comments

Are you behind in your mortgage? The first thing to do is to call the mortgage lender or servicer and explain your circumstances. See if you can negotiate a way to get caught up. Be completely candid and explain your difficulties (if they are temporary such as illness or a short-term interruptio...

The Impact of Bankruptcy on Personal Injury Cases

Posted by William Wolfson | Sep 13, 2023 | 0 Comments

Have you had this scenario? You meet with a potential client about a recent auto accident personal injury claim. The client has suffered serious injuries and may be entitled to a significant jury verdict or settlement. However, the potential client does not tell you that he or she is involved in...

WHAT DOES BANKRUPTCY ACTUALLY DO TO HELP ME?

Posted by William Wolfson | Oct 03, 2022 | 0 Comments

THE AUTOMATIC STAY When a bankruptcy is filed, all debt collection efforts must stop. The Bankruptcy Court Clerk issues a court order called the automatic stay. It is an injunction or a restraining order. This order is issues as soon as your case is filed. It stops a foreclosure on your home, ...

The Sheriff Wants to Sell My House, What Can I Do?

Posted by William Wolfson | Oct 02, 2022 | 0 Comments

You get a letter handed or mailed to you by the County Sheriff's Officer. The letter contains a writ of execution and a Notice of Foreclosure sale for your home or condo. The sheriff's notice of Sheriff's Sale sets a date, time and place for the sheriff to auction off your home. Depending on the ...

Can The Bankruptcy Court Help Me Save My House?

Posted by William Wolfson | Oct 01, 2022 | 0 Comments

Bankruptcy can stop foreclosure at least temporarily and, perhaps permanently, if you can successfully complete a Chapter 13 repayment plan while making regular mortgage payments. The Chapter 13 sections of the Bankruptcy Code say that you can try to save your home by filing a Chapter 13 case BE...

WHAT IS FORECLOSURE?

Posted by William Wolfson | Apr 21, 2020 | 0 Comments

A mortgage foreclosure is a law suit filed in the New Jersey Superior Court asking the Court for the legal right to have real property (whether a home, commercial property or vacant land) auctioned off to the highest bidder by the county sheriff. Borrowers/home owners who face a mortgage foreclos...

COPING WITH FORECLOSURE

Posted by William Wolfson | Apr 21, 2020 | 0 Comments

If you have received a foreclosure notice such as a letter from your mortgage lender or court papers such as a Summons and Complaint in Foreclosure you should not ignore these important documents even though you might not be able to resume making your mortgage payments or catch up on missed payme...

YOUR RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICES ACT

Posted by William Wolfson | Apr 21, 2020 | 0 Comments

The Fair Debt Collection Practices Act (FDCPA) was passed by Congress in part “to eliminate abusive debt collection practices by debt collectors…and to promote consistent State action to protect consumers against debt collection abuses.” (§ 802. Congressional findings and declarations of purpose ...

CHAPTER 13 DEBT LIMITS TO CHANGE

Posted by William Wolfson | Apr 21, 2020 | 0 Comments

Chapter 13 debt limits are set by the federal Bankruptcy Code. Congress requires these limits for Chapter 13 Bankruptcy cases to be adjusted (usually upward) every three years based on the Consumer Price Index. The current figures were established in 2013, and the next Chapter 13 debt limit adjus...

NEW JERSEY AUTOMOBILE INSURANCE SURCHARGES

Posted by William Wolfson | Apr 21, 2020 | 0 Comments

There are times in life where nothing seems to go right. One problem after another lurks in the near future. Each one has something to do with just not having enough money to handle everything you need to cope with. You feel like “the goalie on the dart team.” Then you get pulled over by the pol...

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