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Can I Get Credit After Filing for Bankruptcy?

Keep in mind that one of the major goals of bankruptcy is to give people a fresh financial start and give them the ability to approach the future with a more positive outlook on their lives. There is an old saying that the past is history, the future is a mystery, and right now is a gift. That's why they call it the present.

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Do a Husband and Wife Have to File Bankruptcy Together ?

Many of our clients are married, and they often wonder, "Do we both have to file for bankruptcy together, or can just one of us file for bankruptcy and protect the credit rating of the person that is not filing for bankruptcy?"

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Defending Yourself when Being Sued

Getting sued can be pretty scary. But if you learn how to defend yourself, you might be able to fight the case without paying for an attorney, and you might even win. In this blog, I'm going to assume that you are getting sued because you didn't pay your credit card bill.

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Can the Trustee Sell Your House if You File Chapter 7?

When we file a chapter 7 bankruptcy petition for our clients, our usual goal is for the client to obtain a discharge. This means that if the case is successfully completed our client will have all or virtually all of their debts wiped out, and they will keep whatever property they own. That's the goal.

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What Is Cash for Keys?

How would you like to get some cash from your mortgage company? That's right, instead of you paying your mortgage company, you might be able to get your mortgage company to pay you. We have had mortgage companies pay our clients a nice sum of money by using a program that is sometimes referred to as Cash for Keys, or sometimes they call it Reimbursement for Relocation Expenses.

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My Home Was Sold at Sheriff's Sale - when Do I Have to Leave?

Unfortunately, your home was just sold at a New Jersey sheriff's sale, and you are still living in the property. Do you have to get out right away, or can you stay a little while longer until they force you to leave?

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Surcharges - Can I Get My Driver's License Back in New Jersey?

Motor vehicle surcharges aren't any fun. They are imposed by the MVC (Motor Vehicle Commission - many people still call the MVC the DMV. The DMV stands for the Division of Motor Vehicles - but they officially changed their name to the MVC quite a while ago). Surcharges are in addition to court fines and penalties. For example, if someone has been convicted for DUI, the penalties imposed by the court will be quite serious.

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Are You Judgment Proof?

Have you ever heard the term "judgment proof"? If you owe a lot of money to the bill collectors, but your income is very limited and you really don't own anything of any significant value, you just might be judgment proof.

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Can I File Bankruptcy More than Once?

Some people think they can only file for bankruptcy one time. Many of my blogs get pretty lengthy, and they are sometimes a little complicated.

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How Do I Stop a Sheriff's Sale?

When a sheriff's sale is listed on the records of the county sheriff's office in New Jersey, that sheriff's sale information is a public record. Many lawyers can get access to those public records, which means that the lawyers can find out which homeowners are scheduled for a future sheriff's sale. Lawyers then use this information to send "attorney advertising" letters to people that are facing sheriff's sale in the near future, and by doing this the lawyers are hopeful that they will get some of these homeowners to sign up as clients.

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