Right Here: The Information You've Been Looking For About Your Bankruptcy 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 the loss of their home. Find out how bankruptcy can alleviate your debts, interest charges and even protect your assets.

Learn more by clicking on one of the articles below:

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Filed Bankruptcy Years Ago But Couldn't Get Rid of Your Student Loans? Things Have Gotten Worse Since Then? Discover How You Can Still Go Back and Discharge Them! Struggling with student loans, but already filed bankruptcy? If things have gotten worse for you, find out how you can reopen your case to try for a discharge.
Filing Bankruptcy Can Often Be the Best Way to Get Your Life Back to Normal and Live It! Don't Fear This Solution; Others Haven't! If bankruptcy is right for you, it can actually make your life better! Find out how from NJ bankruptcy attorney Steve Richardson.
Do Not Be Ashamed of Having to File Bankruptcy! Filing bankruptcy in NJ is nothing to be ashamed of. If it's the right solution, give yourself permission to give up and forgive yourself along with your debts!
Why Price Should Be No Object When It Comes to Your Bankruptcy Attorney Looking for a NJ bankruptcy attorney? Discover why making the choice based on price is a bad idea and can make the process more stressful!
Ignoring Creditors Only Makes Things Worse! Discover Why You Need to Take Action! Stressed over debt? Don't ignore it and stick your head in the sand! Discovery why you need to take action from collection defense lawyer Steve Richardson.
The Statute of Limitations on Federal Tax Debt is 10 Years! Here's How You Can Get Rid of It 7 Years Sooner! Overloaded with debt in NJ? Weighed down with taxes? Discover how bankruptcy can wipe out the tax debt without waiting for the 10 year statute of limitations!
Listing Unreasonable Amounts for Necessary Expenses Can Get You Into Trouble with a Bankruptcy Trustee! Don't Fall Into This Trap! Bankruptcy courts understand that certain monthly expenses are necessary. But the amount you spend on them must be reasonable. Find out why this can be an issue!
Already Gotten a Discharge in a Chapter 7 Bankruptcy, But Now Face Foreclosure on Your Home? You May Still Be Able to Save It! Need to save your NJ home from foreclosure but you already filed a chapter 7 bankruptcy? Find out how you might still do it with a chapter 13 bankruptcy plan!
Family is the Biggest Source of Myths About Bankruptcy! Don't Let Them Hold You Back from Filing! Talk to a Professional! Well-meaning family members can be the worst source of information on NJ bankruptcy. Don't let myths and misconceptions hold you back! Talk to a lawyer!
Your Credit Score Can Actually Go Up After Filing Bankruptcy! Worried about what bankruptcy will do to your credit score? Find out from NJ bankruptcy lawyer Steve Richardson why your score might actually go up afterwards!
The Best Use of Your Tax Refund for Your Financial Future is to File Bankruptcy! Overloaded with debt in NJ? Getting a tax refund? Then find out how that refund can be used to get you rid of the debt and have a better financial future!
How Your Ex-Spouse Could Get Rid of His/Her Support Obligations in a NJ Bankruptcy and What You Need to Do to Stop It! Find out what you need to do to keep your ex-spouse from discharging his or her support obligations in a NJ bankruptcy!

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I hope you find my web site useful and informative, and that it answers your questions. However, you should know that this site's content is no substitute for a consultation with an attorney. Each person's case is different, and the pages on this site are designed specifically to provide general answers on New Jersey law and bankruptcy filings in New Jersey (and not for any matters outside New Jersey). For that reason, this site cannot serve as legal advice on your particular case, nor should you assume the existence of an attorney-client relationship either by reading its pages or contacting me initially by e-mail. I encourage you to contact me and schedule an appointment to come in. Let me give you a legal opinion based on your case that will help you specifically.