Submitted by New Jersey Bankruptcy Lawyer, Lee M. Perlman You’ve filed for bankruptcy. Now it’s time to start rebuilding your credit. It will be hard to get credit at the start, but it won’t be impossible. The bankruptcy on your record means you will have to pay more to borrow money, since you’ll probably be […]
What to Do if You Have Medical Debt
Submitted by New Jersey Bankruptcy Lawyer, Lee M. Perlman The share of people with medical debt has fallen in recent years, but past-due medical bills remain a stubborn burden, especially among younger adults, according to reports published this month by the Urban Institute. “It’s more common than you think,” said Signe-Mary McKernan, a senior fellow […]
Better bankruptcy laws could save your life
Submitted by New Jersey Bankruptcy Lawyer, Lee M. Perlman In recent years, political and economic circles have engaged in much debate—and handwringing—over rising income inequality and the future of entitlement programs like Social Security, Medicare, and Medicaid. And these two issues are inextricably linked, as programs like Social Security can help lessen income inequality by […]
Why I Do Pro Bono Work by Lee M. Perlman, Esquire
I really enjoy doing pro bono work. For me it is the best kind of volunteer work because it is what I do best every day and enjoy while helping others. Having handled pro bono cases for over 20 years, I have found that the more you volunteer the more energizing it can feel. Handling […]
In New Jersey Student Loan Program, Even Death May Not Bring a Reprieve
Submitted by New Jersey Bankruptcy Lawyer, Lee M. Perlman. Amid a haze of grief after her son’s murder last year, Marcia DeOliveira-Longinetti faced an endless list of tasks — helping the police gain access to Kevin’s phone and email; canceling his subscriptions, credit cards and bank accounts; and arranging his burial in New Jersey. And […]
5 Reasons People (Wrongly) Avoid seeing a Bankruptcy Attorney Like Me!
Submitted by New Jersey Bankruptcy Lawyer, Lee M. Perlman My credit is going to be destroyed False. Most of the time a client’s credit report has been impacted before they see me. There are late credit card payments, collection accounts or a foreclosure. While the bankruptcy will remain on your credit report for 7-10 years […]
Six Rotten Excuses Not To File Bankruptcy
The below article was written by a mortgage law attorney… I am not a bankruptcy attorney. I never have been. I am a mortgage law attorney. But in the current financial climate, I see clients in my office daily who desperately need to file bankruptcy…And they won’t. The reasons they give, and the parade of […]
Life after bankruptcy Overcoming the emotional toll and taking back your life
Submitted by New Jersey Bankruptcy Lawyer, Lee M. Perlman. An unexpected job loss, a medical emergency, a divorce, out-of-control spending or an unscrupulous business partner – there are a great deal of things that can lead to bankruptcy. However, whether your financial crisis was avoidable or not, most people dealing with bankruptcy struggle with feelings […]
The Bible on Debt and The Morality of Bankruptcy
Submitted by New Jersey Bankruptcy Lawyer, Lee M. Perlman Let’s talk about the morality of being in – and being unable to get out of – debt. There’s no clause in a credit card contract that speaks to morality or ethics. There are bad people who have credit cards and pay them on time. There are […]
Think Students Can’t Declare Bankruptcy? Think Again
Bankruptcy is supposed to give debtors a fresh start—unless they’re struggling with student loans. But a little-known provision is helping these borrowers take their creditors to court. Submitted by New Jersey Bankruptcy Lawyer, Lee M. Perlman. In 2005, Chuck Stewart’s life had come to a screeching halt. His partner was in the hospital with a […]