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Can foreclosure be avoided?

Many in the state of New Jersey are falling into financial hardship and facing the threat of foreclosure. This could be due to a multitude of factors that are relative to each individual situation, but no person ever wants to lose the home that they worked so hard to...

What is a “Zombie Foreclosure?”

Even though the nationwide numbers of zombie foreclosures have dropped 43 percent this past year, the number of such foreclosures in New Jersey have increased more than 28 percent at the same time. Unfortunately, Hurricane Sandy can be attributed to the loss of many...

What is the bankruptcy “means test?”

It used to be that using Chapter 7 bankruptcy was easy to do, because bankruptcy law allowed bankruptcy courts in large measure of discretion when determining whether a petitioner was eligible for liquidation bankruptcy. Beginning in 2005, however, changes to the US...

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