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Important answers to commonly asked legal questions from New Jersey residents

Look at the frequently asked questions (FAQs) about debt relief, foreclosures, bankruptcy filing, asset protection, interest discharge or credit rehabilitation answered by Gloucester county bankruptcy attorney Steve Richardson. See how traffic court lawyer Steve Richardson answers FAQs about arrests for DWI/DUI, speeding, reckless driving, driving while suspended, and other traffic violations.

Click on a question below to see the answer:

Bankruptcy

• Will a bankruptcy filing hold up my NJ divorce?
  
• What is a bankruptcy consumer credit counseling certificate?
  
• What is a Debtor Education Certificate in Bankruptcy?
• What is a First Meeting of Creditors (341a Hearing) in NJ Bankruptcy?
  
• What is an automatic stay in bankruptcy?
• What is a bankruptcy discharge?
• Can I discharge NJ divorce attorney's fees in my bankruptcy?
• As a homeowner filing a NJ bankruptcy, what do I do if a creditor enters a judgment against me?
• What is a bankruptcy trustee and what does he or she do?
• When is it too late to file a chapter 13 bankruptcy?
• Why won't my attorney sign my reaffirmation agreement?
• What is a Reaffirmation Agreement?
• I filed bankruptcy in NJ; why isn't my credit report showing that I am making my mortgage payments on time?
• What do I do with debts I owe to friends or family; Do I have to include it in my NJ bankruptcy?
• Can I incur new debt in NJ while I am in a chapter 13?
• Can I discharge (wipe out) taxes in bankruptcy?
• I have received my bankruptcy discharge; now what?
• Can I wipe out New Jersey motor vehicle surcharges in a bankruptcy?
• Can I discharge NJ criminal and traffic court fines in bankruptcy?
• What is a hardship discharge in a chapter 13 bankruptcy?
• Do I need a lawyer to file my NJ bankruptcy?
• What is Means Testing?
• If I am married, does my spouse have to file bankruptcy too?
• I filed bankruptcy in NJ; why aren't I getting monthly statements on my mortgage, car loan or car lease?
• I’ve filed my chapter 13 bankruptcy; now what happens?
• I've filed my chapter 7 bankruptcy; now what happens?
• If I file bankruptcy in NJ what happens to my car?
• What is a bankruptcy exemption and how does it protect my possessions?
• If I file bankruptcy in NJ, will I lose my house?
• What Do I Bring to the Initial Interview?

Collection & Credit

• Is a short sale better for my credit score than a foreclosure?
  
• What is considered to be "bad" credit?
• What is a wage execution in New Jersey?
• What is a NJ bank levy?
• My car was repossessed; now what do I do?
• If a debt is charged off by a creditor, do I still owe it?
• What does it mean to be judgment proof?
• What is a NJ information subpoena?
• What is a credit (FICO) score and how is it calculated?
• What do I do if a creditor attaches my wages in NJ?
• What do I do if a creditor levies on my NJ bank account?

Traffic Court

• What happens to my Virginia license if I get a speeding ticket in NJ?
  
• What happens to my Maryland (MD) License if I get a speeding ticket in NJ?
  
• What happens to my NY License if I get a speeding ticket in NJ?
  
• What happens to my PA License if I get a speeding ticket in NJ?
  
• What happens to my Delaware License if I get a speeding ticket in NJ?
  
• What are the penalties in NJ for using a cell phone while driving?
• What can happen to my commercial driver's license (CDL) if I drive a commercial vehicle while my CDL is suspended or revoked in NJ?
• What can happen to my NJ commercial driver's license (CDL) if I leave the scene of an accident while driving a commercial vehicle?
• Can a NJ driver with a provisional / probationary license plea to unsafe operation to avoid points?
• What is a NJ probationary license or GDL?
• What restrictions are on a NJ probationary license or GDL?
• How can I avoid forfeiting my public office or job in NJ traffic / municipal court?
• How do I know if I risk forfeiture of my job or office in NJ traffic / municipal court?
• Can I remove (expunge) my NJ minor criminal offenses from my record?
• Can I remove (expunge) my violation of a town ordinance in NJ from my record?
• Can I remove (expunge) my arrest in NJ from my record if I was not convicted?
• What is an "expungement" of NJ charges, arrests or convictions?
• Are there any exceptions to the expungement of my NJ conviction or arrest?
• Can my petition for expungement in NJ be denied?
• What is a NJ "No-Point Ticket" for Unsafe Operation?
• What do I do if I can't pay the fines and penalties from a New Jersey Traffic Court Ticket?
• What happens when a New Jersey driver gets an out of state ticket?
• How do I get rid of points from my New Jersey driving record?
• What do I do if I have been ticketed for driving with a suspended license in New Jersey?
• What do I do if I can't afford an attorney for my NJ traffic court case?
• What happens if I don't pay NJ traffic court fines and penalties?
• If I get a ticket in New Jersey that carries points, should I plea to Unsafe Operation (a "no point ticket")?
• Can I get into trouble in NJ for hanging things from my rear view mirror?
• Can I get a ticket for driving with snow and ice on my car?
• When it comes to seat belts in NJ, who all has to buckle up in my car?

DUI/DWI

• What can happen to my commercial driver's license (CDL) if I refuse the breathalyzer in NJ?
• What can happen to my commercial driver's license (CDL) if I get a DWI / DUI in NJ?
• Do I have the right to refuse to take the breathalyzer test in a New Jersey DUI/DWI?

General

• What are the penalties for drug possession in New Jersey?

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