General Bankruptcy Information

Immediately upon the filing of any bankruptcy case, no creditor may contact the person filing bankruptcy (debtor) by any means. Immediately upon the bankruptcy filing, the Automatic Stay Provision of the bankruptcy code, is in effect. The Automatic Stay prohibits any and all communication between … [Read more...] about Filing Bankruptcy In NJ Can Offer Relief From Creditor Harassment

There are a number of reasons for opening a closed bankruptcy case. After a discharge, a creditor is not permitted to attempt to collect a debt from the debtor. Any attempt of a creditor to collect a debt after discharge is a violation of the injunction provision of the bankruptcy code. A debtor … [Read more...] about NJ Bankruptcy Lawyer Explains Reasons For Opening a Closed Bankruptcy Case After A Discharge

Some people believe that a bankruptcy filing is published in a newspaper. However, this is not true. A bankruptcy filing is not published anywhere. Many people derive this belief because of the weekly sheriff sale notices that are published in newspapers. Also, people cannot obtain information about … [Read more...] about In New Jersey, Who Will Know A Bankruptcy Case Was Filed?

The 2005 amendments to the bankruptcy code require individuals to obtain a credit counseling briefing from a state approved non profit budget and credit counseling agency. The counseling is about 1 and ½ hour and can be completed by telephone or internet. The counseling must be completed during the … [Read more...] about Benefits For Disabled People Filing Bankruptcy In New Jersey

The bankruptcy code specifically prohibits the government from discriminating against an individual due to the filing of a bankruptcy case or based on a debt that was discharged or included in a bankruptcy case. Also, the government cannot discriminate against someone who is associated with another … [Read more...] about Prohibition of Discrimination of Bankruptcy Debtors

Prior to Filing Prior to filing a bankruptcy petition, debtors must obtain a “Pre-Bankruptcy Screening” or “Pre-Bankruptcy Counseling” from a credit counseling agency approved by the U.S. Trustee’s office. The agency issues a certificate which is provided to the debtor’s attorney to file with the … [Read more...] about New Jersey Bankruptcy Lawyer Tells What to Consider Prior To The Bankruptcy Filing