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Posted by Seymour Wasserstrum | Jun 29, 2020 | 0 Comments

Knowledge can be a very powerful tool. But what good is knowledge by itself unless you take powerful action and use it for your advantage? Are you afraid that you're going to lose your home? I'm going to help you turn your fear of foreclosure into faith that you can fight foreclosure. Let's star...

Dealing with Utilities

Posted by Seymour Wasserstrum | Jan 09, 2018 | 0 Comments

When you are filing for bankruptcy you are normally required to list all of your outstanding bills and debts. There are many debts that can be wiped out in bankruptcy, including utilities such as gas, electric, and telephone. Many people are concerned that if they put their utility bills in bankr...

Home Equity Exemption

Posted by Seymour Wasserstrum | Jan 09, 2018 | 0 Comments

There is a limitation on the amount of equity an individual can have in his/her home and still be able to totally wipe out his/her unsecured bills. Presently the bankruptcy law permits one person to have equity in his/her home in the amount of $25,150. If two people jointly own their home, the la...

It Takes a Long Time to Foreclose

Posted by Seymour Wasserstrum | Jan 08, 2018 | 0 Comments

This is a short memo that I am doing for the benefit of my clients who are behind in their mortgage payments. I want people to be aware that they are not in jeopardy of immediately losing their home just because they fall two or three payments behind on their mortgage. In fact, the way things are...

Cram Downs Car/ Mortgage/ Personal Property

Posted by Seymour Wasserstrum | Jan 08, 2018 | 0 Comments

If you are presently making car payments, we may be able to save you a lot of money by filing a Chapter 13 instead of a Chapter 7. For example, if you owe $10,000 on your car and the retail value is $7,000, you may be able to reduce your car loan debt to $7,000 and substantially reduce your car p...

Documents Needed For Bankruptcy

Posted by Seymour Wasserstrum | Jan 08, 2018 | 0 Comments

Fee Chapter 7 (non business) $1,365 legal fees + $335 court filing fees = $1,700. A business case is more expensive. Fees and cost normally total $2,750. Chapter 13 ­–  $1,000 to get started, balance of fee to be paid in the plan. Financial Information Pay-s...

Can Bankruptcy Be Fun?

Posted by Seymour Wasserstrum | Jan 08, 2018 | 0 Comments

Many clients who come to see us for the first time are scared, worried, and fearful. They don't know what their future holds. Will they lose their home?  Will their car be repossessed? Will bill collectors freeze their bank account or take their paychecks? Will bill collectors take their pension ...

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CONTACT the Law Offices of Seymour Wasserstrum TODAY

Seymour Wasserstrum helps people who are facing financial challenges throughout the state of New Jersey. We have five offices conveniently located to serve our clients.

We help people wipe out their bills, save their homes from foreclosure, stop vehicle repossessions, and get a fresh financial start.