Right Here: The Information You've Been Looking For About Your Bankruptcy, Foreclosure, Traffic Violation or DUI / DWI Case in New Jersey

I've put together a great amount of information to help people threatened with foreclosure or bankruptcy, and to enlighten those who fear a recent traffic violation or DUI / DWI charge may have very damaging consequences. Find out how bankruptcy can alleviate your debts, interest charges and even protect your assets. See how to avoid the cascading and costly effects of your traffic violation fine or DUI / DWI charge.

Learn more by clicking on one of the articles below:

Library Categories:

Bankruptcy:

Practical Tips on Handling High Medical Bills
If you have high medical bills you can't pay, there are some ways to deal with it. Check out these tips from Woodbury NJ collections attorney Steve Richardson.
Not Filing Your Tax Returns Before Meeting with the Trustee Can Get Your Chapter 13 Dismissed
Not having NJ and federal tax returns filed can threaten your chapter 13 bankruptcy! Find out why from Woodbury bankruptcy attorney Steve Richardson.
Don't Let Myths Stop You from Filing Bankruptcy
Don't let myths about bankruptcy keep you from getting the fresh start that you need. Find out here why a lot of what you have been hearing is wrong.
How to Lose Your Chapter 7 Bankruptcy Discharge for Want of Two Hours and a Piece of Paper
Not taking a two hour class in debtor education and financial management will result in no chapter 7 bankruptcy discharge! Find out how to avoid that happening!
Three Ways to Screw Up the Bankruptcy Discharge of Your Credit Card Debt
Bankruptcy can discharge (wipe out) credit card debt. Here are three ways you could get stuck with it after you file.
How to Lose Your Sales Commissions in Bankruptcy
Unpaid commissions could be at risk in bankruptcy. Find out why from Woodbury, NJ bankruptcy attorney Steve Richardson.
Top Three Ways to Screw Up Your Bankruptcy Before You File It
Many people do the wrong things in an effort to avoid bankruptcy. New Jersey citizens looking to file should find out what not to do here to avoid problems.
Pensions, 401(k)s, IRAs, and Annuities are Most Often Protected in Bankruptcy
People filing bankruptcy in NJ are often worried about losing their retirement money. In most cases it is safe. Check out this article for the details.
Three Mistakes That Will Land You in Jail in Your New Jersey Bankruptcy
Bankruptcy can help, but here are three ways you can make things worse or even land yourself in jail! Avoid these pitfalls and get the fresh start you need!
Don't Forget Daycare and School Costs in Bankruptcy; They Can Help with Means Testing
Daycare and school expenses are important to consider in a NJ bankruptcy. They can often be what allows you to file a chapter 7. Find out why in this article.
Expense Sheet [PDF]
Expense sheet PDF for listing living expenses.
How to Make Your Bankruptcy Preparation Process Run Smoothly
The faster you get the information to your attorney, the faster he can prepare and file your bankruptcy. Here's some tips on how to make sure it runs smoothly.
How to Decide Whether to Reaffirm a Car Loan in Bankruptcy
Reaffirming a car loan in a bankruptcy is an important decision and not always the best option. Read this article to find out whether you should.
Filing Bankruptcy in NJ Can Make Getting a Job More Difficult
Can a bankruptcy on your credit keep you from getting that great job? Find out in this article by Woodbury, NJ bankruptcy attorney Steve Richardson.
Filing Bankruptcy in NJ Means Disclosing Everything
There are many myths and misconceptions about bankruptcy. Many of them can get you into serious trouble. Read this article to learn how to stay out of trouble.
Small Business Owners in NJ Need to be Careful When Considering Chapter 7 Bankruptcy
If you are the sole owner of a NJ LLC or subchapter S corporation, you need to be careful when filing for chapter 7 bankruptcy. Find out why here!
When you are in a chapter 13 bankruptcy plan, it is always a good idea to keep payment records
People in a chapter 13 bankruptcy in New Jersey need to keep good payment records during their plan, so they can defend themselves against creditors, if necessary.
The abandonment of a home by the trustee in a chapter 7 bankruptcy is a good thing!
People in chapter 7 bankruptcy panic when they get a Notice of Proposed Abandonment of their home by the trustee. That's a shame, because that is actually good news!
What You Need to Know About Filing Bankruptcy in New Jersey
Are you facing foreclosure or bankruptcy in New Jersey? Woodbury-based bankruptcy attorney Steven J. Richardson will steer you from fear and confusion to a realistic plan and a long-term strategy to rebuild your life. If you need information about foreclosure, Chapter 7, Chapter 13, protection from repossessions or wage garnishment, call attorney Steven J. Richardson for clarification and support.
Why Making Money Under the Table is Always a Bad Idea
Is making money under the table ever a good idea? Find out in this article by Woodbury NJ bankruptcy attorney Steve Richardson.
How to Avoid Driving Up the Cost of Your Bankruptcy
How can you keep the cost of your bankruptcy down? Find out in this article by Woodbury NJ bankruptcy attorney Steve Richardson.
Bankruptcy Filing Hazardous to Your Money in a Wells Fargo or Wachovia Account
Will your bank account be affected by filing bankrupt? Find out in the article by Woodbury NJ bankruptcy attorney Steve Richardson.
When You Should Consider Bankruptcy
When should you consider filing bankrupt? Find out in this article by Woodbury NJ bankruptcy attorney Steve Richardson.
Watch Out for That Lien on the Couch or the Computer
How can debt owed to a store credit card affect your bankruptcy claim? Find out in this article by Woodbury NJ bankruptcy attorney Steve Richardson.
Trust Fund Tax Debt Means Big Trouble
Can you get rid of trust fund tax debt when you file bankrupt? Woodbury NJ bankruptcy attorney Steve Richardson answers in this article.
Be Careful When You Co-Sign
Can co-signing put you in jeopardy? Find out in this article by Woodbury NJ bankruptcy attorney Steve Richardson.
Be Aware of Tax Refunds in Bankruptcy Filings
How will your tax refunds be affected in your bankruptcy filing? Find out in the article by Woodbury NJ bankruptcy attorney Steve Richardson.
The Trap of Mortgage Company “Loss Mitigation.”
Should you work with your mortgage company to avoid foreclosure? Woodbury NJ bankruptcy attorney Steve Richardson answers in this article.
Don’t Fear the Creditors at a Bankruptcy Meeting
Will your creditors be at your bankruptcy meeting? Find out in this article by Woodbury NJ bankruptcy attorney Steve Richardson.
Some Assets in Bankruptcy Have Little Value Other Than Common Sense
Do you have to list everything you own in a bankruptcy case or just items that have value? Woodbury NJ bankruptcy attorney explains in this article.
Hazards of Making It an After Christmas Bankruptcy
Is it okay to wait until after the New Year to file bankrupt? Find out in this article by Woodbury NJ bankruptcy attorney Steve Richardson.
Gotcha for Those Surrendering Homes in a Chapter 13 Bankruptcy
Could I be held accountable for continuing costs of my home even after I surrender it in my bankruptcy case? Find out in this article by Woodbury NJ bankruptcy attorney Steve Richardson.
How to Ruin Your Retirement by Raiding Your Pension in Order to Avoid Bankruptcy
Too many people ruin their retirements by raiding their pensions in order to avoid the inevitable filing of bankruptcy. Find out here why this is a bad idea!
What to Do When the Bank Won't Take Back the Car You Surrendered in Your Bankruptcy
What do you do if the bank won't take back your surrendered car in a bankruptcy case? Get the answers here from Woodbury attorney Steve Richardson.
Getting a Waiver for a Credit Counseling Certificate
Want to know how to get a waiver for your credit counseling certificate? Find out in this article by Woodbury NJ bankruptcy lawyer Stever Richardson.
To Get Credit Counseling, You Have to Speak the Language
What happens to credit counseling if you don't speak English? Woodbury NJ bankruptcy attorney Steve Richardson explains.
Student Loans Tougher to Discharge: “Undue Hardship” Examined
Want to know how your student loans will be affected when you file bankruptcy? Find out in the article by Woodbury NJ bankruptcy lawyer Steve Richardson.
Be Careful Resolving Personal Injury Claims in Bankruptcy
How can your personal injury claim affect your bankruptcy case? Find out in this article by Woodbury NJ bankruptcy attorney Steve Richardson.
Don’t Wait Until the Last Minute to File Bankruptcy
Want to know what happens if you wait until the last minute to file bankruptcy? New Jersey bankruptcy attorney Steve Richardson explains the consequences.

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Foreclosure:

Debt Forgiveness Income Exception Has Its Traps Too
Debt forgiveness income on a home is not being taxed by the IRS from 2007 to 2012, unless you fall into one of these traps. Read this article to be wary!
Saving Your Home Through Foreclosure Mediation
Can you save your home through foreclosure mediation? Woodbury NJ foreclosure attorney Steve Richardson answers in this article.

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Collection & Credit:

Hot Tip: Using Timely Rent Payments to Improve Your Credit Score
Here's a way for renters to use their good payment histories to improve their credit scores. Find out the details from Woodbury attorney Steve Richardson.
Hot Tips on Standing Up to the Debt Collector Bullies
Debt collectors are bullies; they will intimidate you to get you to pay. Learn how to stand up to them from Woodbury, attorney Steve Richardson.
How Collection Agencies in NJ Use Fear to Get Your Money
Collection agencies (debt collectors) want your money and will use fear to get it. Read this article to find out how to fight that fear and know your rights.
A Short Sale of Your NJ Home Is Not Always the Best Option
Is a short sale of your home the best option if you can no longer afford it? Find out by reading this article by Gloucester County NJ bankruptcy attorney Steve Richardson.
Protecting Yourself from Creditor Harassment in NJ
In bad economic times, more and more people are dealing with harassment by debt collectors. Read this article by NJ attorney Steven J. Richardson on a federal law that can help protect you.
Know Your Credit Rights Under Federal Law
The Federal Fair Credit Reporting Act provides you with certain rights regarding your credit. Check out this article by attorney Steven J. Richardson to know, and protect, your rights.
How to Correct Errors in Your Credit Report
Maintaining a good credit score is very important. One thing that can harm it unnecessarily are errors on your credit reports. Read this article by Attorney Steven J. Richardson on steps to take to correct them.
Tips on Improving Your Credit (FICO) Score
During hard economic times, banks and other lending institutions tighten their lending requirements to minimize risk. Read this article about how to improve your credit score and maximize your chance of getting credit on good terms.
Debt Settlement Agencies Offer to Help, But with Pitfalls
Do debt settlement agencies hurt more then help? Find out in this article by Woodbury NJ bankruptcy attorney Steve Richardson.
How to Fight Claims on Old Debt
Is there debt that is too old to collect? Can debt buyers lose if they sue you? Find out in this article by Woodbury NJ bankruptcy attorney Steve Richardson.
Avoid the Debt Forgiveness Tax Trap
Can you still owe taxes on debt that has been forgiven? Woodbury NJ bankruptcy attorney Stever Richardson answers in this article.

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Traffic Court:

How to Get a Criminal Record (and Possibly Go to Jail) for Speeding in Virginia
Go speeding over 80mph or more than 20mph over the limit in Va, and you could end up in jail with a permanent criminal record! Find out the details here!
Top Four Ways to Lose Your Commercial Driver’s License (CDL) in New Jersey
Many traffic offenses in NJ have higher penalties when committed in a commercial vehicle. You could lose your CDL for life! Find out more here!
Commercial Driver’s Licenses (CDLs) in NJ and When They Are Required
New Jersey requires a commercial driver's license to operate certain vehicles. Find out when you need one & when you don't from traffic lawyer Steve Richardson.
How to Lose Your Job in NJ Traffic / Municipal Court
People holding public office or employment can face loss of their jobs in municipal court. Find out from Woodbury Gloucester County attorney Steve Richardson.
License Plate Frames Can Get You a Ticket in New Jersey
We see them all the time on the road. Unfortunately, they can also get you a traffic ticket. Find out how license plate frames can be a problem for you in NJ.
NJ Speeding Ticket Could Have Nasty Surprise for Out of State Drivers
If you are a NJ driver ticketed for speeding here, you know what to expect. If you are from out of state, however, you could be in for a nasty surprise.
A Conditional Discharge Can Help Avoid A NJ Drug Conviction
Many otherwise law abiding citizens can end up running afoul of the law through a lapse in judgment such as possession of small amounts of marijuana or hashish. Fortunately there is a way to avoid a potentially devastating drug conviction. Read this article on conditional discharge by Woodbury Gloucester County traffic court attorney Steve Richardson to find out!
Avoiding Points on a NJ Ticket by a PA or DE Driver can Backfire
PA and DE drivers that get traffic tickets in NJ should read this article by Gloucester County Traffic Court Lawyer Steve Richardson to avoid pitfalls that could make the matter worse.
Have You Been Arrested on a DWI/DUI Charge in New Jersey? Read This Before Making Any Decision.
Woodbury-based attorney Steve Richardson believes a DWI/DUI charge is too serious to be accepted without a fight, or to be left to an inexperienced legal representative. You may now think all is lost, but the procedures leading from probable cause for arrest to a conviction of drunken driving are extremely complicated. Each error or misstep gives you an opportunity to challenge the charge and the conviction. Talk to experienced attorney Steven J. Richardson who has had hundreds of DWI/DUI charges successfully reduced or dismissed in courts in Gloucester, Camden and surrounding counties.
A NJ Civil Reservations Motion Can Avoid Nasty Surprises on Your Traffic Ticket
How can pleading guilty to a traffic ticket affect you down the road? Woodbury NJ traffic law attorney Steve Richardson answers in this article.
New Jersey’s No Point Ticket Is Not Always the Best Deal
Is it better to get points removed from your license after a traffic violations if you are able to? Woodbury NJ traffic law attorney Steve Richardson answers in this article.
Stuff Hanging from the Rear View Mirror Can Lead to Big Trouble in NJ
Can you get a traffic violation from having stuff hanging from the rear view mirror? Find out in this article by Woodbury NJ traffic attorney Steve Richardson.
License Suspension for Willful Violation of NJ Motor Vehicle Laws
Can my license be suspended for a willful violation of a NJ motor vehicle law? Find out in this article by Woodbury NJ traffic law attorney Steve Richardson.

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DUI/DWI:

Refusing the Breathalyzer: How to Screw Up Your DUI / DWI Defense
The worst thing to do when arrested for drunk driving in NJ is refuse to take the breathalyzer. Find out why from Gloucester County DUI lawyer Steve Richardson.
Where You Are Driving is Key in NJ DWI & Refusal Cases
Does where you are driving affect the outcome of your DWI/DUI case? Woodbury NJ DWI/DUI attorney Steve Richardson answers in this article.
Weaving in the Road: Probable Cause for a DWI Stop
Is weaving in the road probably cause for a DWI stop? Find out in this article by Woodbury NJ DUI attorney Steve Richardson.

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Criminal:

Wipe Out Minor Criminal Offenses, Violations, and Arrests in NJ with an Expungement
Is there a conviction in your past that is holding you back? Would you like to wipe it out? If so, read this article by NJ lawyer Steve Richardson for details
U.S. Supreme Court Lightens Police Burden Under Miranda
Pleader’s Remorse: When Can You Take it Back?
Can you change your mind after entering a guilty plea? Woodbury NJ DUI/DWI attorney Steve Richardson explains the consequences.

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General:

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Tips for Cutting Living Expenses: Back to School Shopping
Back to school costs for college freshmen can be expensive. Read this article to get some tips on saving money.
Tips for Cutting Living Expenses: The Insurance Bill
High insurance costs in NJ can make it hard to meet your budget. Check out some of these money-saving ideas from Woodbury lawyer Steve Richardson.
Tips for Cutting Living Expenses: The Gas, Electric and Water Bill
Looking for ways to save money? Check out this article on how to lower your utility bills, by New Jersey attorney Steve Richardson.
Tips for Cutting Living Expenses: The Cable Bill
Your "cable bill" can add up to quite a bit each month after the initial offer is over. Check out this article to find out how to pare it down and save money!
Tips for Cutting Living Expenses: The Cell Phone Bill
Everyone is looking to cut costs and living expenses these days. Trimming back your cell phone bill is one way to do it. Check out this article to learn how.
Tips on Improving and Maintaining a Good Credit Rating
Whether you are picking up the pieces after a bankruptcy or trying to increase your chances of getting a good interest rate on a loan, these tips will help.
How to Avoid Problems When Lending Money to Friends or Family in New Jersey
Lending money to friends or family can lead to trouble if the borrower doesn't pay. Check out this article to find out how to avoid the most common problems.
Living on One Income Can Be Done with the Proper Planning. Here Are Some Tips.
Many couples with children consider living on one income so that one of them can stay home with the kids. Here are some tips on how to help make that happen.
Vehicle “Title Loans” Are A Really Bad Idea
People in financial straits often do not know where to turn to solve their problems and, as a result, act out of desperation and make poor choices. One of them is getting a car "title loan." Read this article by Woodbury Gloucester County bankruptcy attorney Steve Richardson to find out why this is a bad idea.
Payday Loans Are a Bad Idea
With banks tightening up on lending policies, more and more people strapped for cash are finding it hard to get loans. As a result, they are turning to "payday loans." Read this article by Woodbury Gloucester County lawyer Steve Richardson to find out why this is a bad idea.
Do You Need An Attorney? Gloucester County Lawyer Provides FREE Legal Resources and Information for New Jersey Residents
New Jersey Traffic Court and Bankruptcy Attorney Steven J. Richardson has an extensive free collection of practical and useful information for those in need of directions and support in cases of overwhelming debt, house foreclosure or traffic violation. Videos, Blog posts, Library articles, Resources page, FAQ’s are great tools to figure out what solutions are available. Talk to approachable and experienced attorney Steve Richardson for a free discussion of your case.
Refund Anticipation Loans Always a Bad Idea
Is it a good idea to get a loan based on your anticipated tax refund? Woodbury NJ bankruptcy attorney Stever Richardson answers in this article.
Indiscretions in Social Networking Can Ruin a Career
How can social networking affect your career? Woodbury NJ attorney Steve Richardson explains the consequences.

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The Law Office of Steven J. Richardson serves New Jersey, including: Gloucester, Camden, Burlington, Salem, Cumberland and Atlantic Counties and surrounding New Jersey communities, including Woodbury, Colonial Manor, North Woodbury, Woodbury Heights, Deptford, Thorofare, Gloucester City, Washington Township, Blackwood, Brooklawn, Westville and Pitman.

Richardson Law Offices
40 Newton Avenue
Woodbury, NJ 08096
Phone: (856) 686-9910
Fax: (856) 686-9911