| Bankruptcy
Related Practice Areas of Lee M. Perlman
 New
Jersey Bankruptcy,
(our firm's main focus) including:
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Chapter 7 Bankruptcy - A liquidation bankruptcy for consumers and
businesses
*
Chapter 13 Bankruptcy - A reorganization or repayment bankruptcy for
consumers
*
Chapter 11 Bankruptcy - A reorganization bankruptcy for businesses
We
handle all your bankruptcy-related concerns and problems:
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Debt Resolution
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Evictions
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Garnishments
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Repossessions
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Foreclosures and Sheriff's Sales
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Utility Shutoffs
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Mortgage Disputes and Problems
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Collector and Creditor Harassment
*
Landlord/Tenant Problems
CLICK
HERE FOR OUR FREE BANKRUPTCY ASSESSMENT
WE
ARE YOUR LAWYERS EVEN AFTER YOUR BANKRUPTCY IS COMPLETE!
Credit
Reporting Issues
*
Rebuilding your Credit
*
Credit Report Inaccuracies
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Fair Debt Collection Practices Act (FDCPA)
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Fair Credit Reporting Act (FCRA
Personal
Injury and Medical Malpractice
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Slip and Fall
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Car Accidents
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Wrongful Death
*
Workplace Injuries
Traffic
Offenses and Driving While Intoxicated (DWI)
*
Driving without Insurance
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Driving on the Revoked/Suspended List
*
Other Traffic Offenses
CALL
OR EMAIL OUR OFFICE TODAY.....856.429.2449
New Jersey Bankruptcy Law - our
firm's main practice area
Lee M.
Perlman, Attorney at Law at 856.429.2449, will
gladly assist you in understanding how and when the automatic stay
may help you. The automatic stay may apply to the following
circumstances. These are exceptions of course to its applications.
- Attachments
- Garnishments
- Executions
- Repossessions
- Utility Shutoff
- Evictions
- Foreclosures
- Debt collection harassment
A Chapter 7 bankruptcy is considered a straight
liquidation. This type of bankruptcy may not be helpful if you have
loans that provide for lenders (mortgage or automobile finance
company, for example) to foreclose on your house or take repossess
your vehicle when and if you do not pay in a timely fashion. You
declare a bankruptcy by filing a petition with the clerk's office of
the Court. Lee M. Perlman, Attorney at Law, will usually
require an approximate one-hour personal interview to examine
paperwork from your creditors, review loan documents and consider
other necessary evidence of debt. Our firm is the starting point for
a chapter 7 filing.
A chapter 7 is usually faster and easier than chapter 13. You
will have to account for your assets. Under bankruptcy law you can
prevent your assets from being sold by the chapter 7 trustee if the
asset is legally exempt. The Code allows you exempt, or take out and
keep, certain property interests. The Trustee, an officer of the
Bankruptcy Court, will look to identify nonexempt assets for
possible distribution among your creditors. You should contact my
office at 856.429.2449 or email
me immediately to help you determine
your exemptions.
The assets you do not repay are discharged (legal forgiveness).
This is the successful completion of a chapter 7 proceeding. Some
debts, for example, taxes, alimony, child support, are
nondischargeable. This means that even if you file a chapter 7
bankruptcy there will be some debts you must pay even after your
bankruptcy case is over. You can only file a bankruptcy once every
six (6) years.
A Chapter 13 is commonly called a wage earner's plan. This
type of bankruptcy is only available to those with regular income.
This can be salary, commission, rents, pension, alimony and child
support, social security, unemployment or other benefits. You may
not owe more than $250,000 in unsecured debt or $750,000 to secured
creditors.
In this type of bankruptcy (Chapter 13) you submit a three or
five year plan and budget your income. You generally pay back your
secured debt and pay your unsecured creditors what they would have
received in a chapter 7. In order to get your repayment plan
approved your schedule's property and budget must reflect income to
meet your proposed payments. Once all payments have been made, most
of your debts, (with the exception of some of the ones outlined
previously), will likely be discharged.
Developing a chapter 13 plan is a complex and cumbersome process.
My firm has helped hundreds of debtors with repayment plans. You
should contact Lee M. Perlman, Attorney at Law at (856)
661-1010 to assist you in the preparation of a chapter 13 and
chapter 13 plan.
How to organize for a bankruptcy meeting with Attorney Lee M.
Perlman:
You should get a list together of all of your creditors. Your old
invoices and bills are typically OK. Our firm will need proper
amounts, addresses and account numbers of your creditors as a
starting point. If you feel you need a credit report you can obtain
one by calling (856)- 798-8000.
You should make a list of everything you own and collect as
much of the following as possible:
- Bank account amounts
- Recent employment pay stub
- Interest in real estate (deed, mortgage payoff stmt., tax
assessment)
- Automobiles (title and loan documents)
- Household goods and furnishings
- Collectibles and antiques
- Wardrobe, jewelry, fur, firearms
- Stocks, bonds, 401Ks, insurance policies, lawsuits
- Copyrights, patents, licenses, franchises
- Amounts due you from: employers, customers, inheritances, and
tax refunds
- A complete list of all your monthly expenses
Lee M. Perlman
has focused his practice on New Jersey bankruptcy for 9 years and will gladly assist you in
your bankruptcy proceeding.
CLICK
HERE FOR OUR FREE BANKRUPTCY ASSESSMENT
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CALL NOW TO SPEAK TO AN
ATTORNEY - 856.429.2449
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