2023-12-06 19:15
10 Common Bankruptcy Myths Debunked: What You Need to Know Consumer Bankruptcy is a legal process that can provide individuals with a fresh start when overwhelmed by debt. However, there are… Read More
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The Law Office of Joel R. Spivack in Cherry Hill, New Jersey, provides comprehensive bankruptcy law services to clients throughout the Delaware Valley, including South Jersey and the Philadelphia area, including the communities of Cherry Hill, Trenton, Camden, Burlington, Bordentown, Pennsauken, Collingswood, Marlton, Mt. Laurel, Mt. Holly, Woodbury, Philadelphia and other communities in Burlington County, Mercer County, Camden County, Gloucester County, Somerset County, Salem County, Atlantic County, Cumberland County and Cape May County.
2023-11-15 14:44
Top 10 Benefits of Filing Consumer Bankruptcy Bankruptcy, often viewed as a last resort for consumers, can actually be a powerful tool for individuals overwhelmed by financial challenges. As… Read More
2023-11-09 14:36
How Bankruptcy Can Help You With Your Tax Debt Many people who are financially struggling also struggle with tax debt. As a result, many turn to bankruptcy as a solution to their tax problem… Read More
2023-10-25 13:57
Understanding the intricacies of mortgage contracts is pivotal for both homeowners and potential buyers. One such integral aspect is the “due-on-sale clause”. With over 30 years… Read More
2023-08-16 14:15
When purchasing a new home, it is important to tread cautiously and understand the myriad of legal complexities involved. Who better to guide us through this process than a real estate attor… Read More
2023-08-10 13:24
When confronted with the overwhelming burden of debt, it’s natural for people to seek relief from any source possible. Debt settlement, a strategy in which a third party negotiates wit… Read More
2023-08-02 14:32
Financial distress can feel overwhelming, and finding the right path toward resolution can be challenging. Two common strategies that individuals consider when addressing this crisis are deb… Read More
2023-06-20 15:18
Purchasing a new home is an exciting milestone in one’s life, but it can also be a complex and daunting process. As a real estate attorney, I have witnessed firsthand the challenges th… Read More
2023-06-07 11:40
You applied to a loan or a line of credit and, based on your credit score and past payment history, the lender took a chance on you. Since then, your financial world has collapsed. Perhaps y… Read More
2023-06-01 12:28
In the world of debt collection, wage garnishment is the equivalent of bringing in the “big guns.” It’s a regular payment to a creditor, taken from a paycheck by… Read More
2023-02-20 20:20
Foreclosure is a legal process where a lender or creditor seeks to recover the outstanding balance of a mortgage loan from a borrower who has stopped making payments. In New Jersey, foreclos… Read More
2023-02-15 14:22
Filing for bankruptcy can be a daunting and overwhelming process, especially when it comes to dealing with taxes. If you are considering filing for bankruptcy or are already in the pr… Read More
2023-02-01 11:00
Since filing for bankruptcy protection may shave more than 200 points off your credit score (more if your house was foreclosed on!), it stands to reason that you may not be the picture of a… Read More
2022-10-06 11:29
The need for a good credit score is an increasingly important fact of life. Not only do credit scores influence your ability to get a loan, but they are also now often used to determine whet… Read More
2022-09-28 13:00
It can be difficult to come to terms with the harsh reality of having to file for bankruptcy. However, you are not alone if you find yourself faced with such a challenging decision. Accordin… Read More
2022-08-24 13:24
Short Sale: A Way Out From Under a Crippling Mortgage in NJ or PA Since the pandemic, families have been struggling to pay bills, find work and are losing homes to foreclosure. While governm… Read More
2022-08-17 11:20
People all across the country are struggling in this economy. Unemployment and foreclosure rates remain high, and an aging population is ending up with mounting medical bills that they canno… Read More
2022-07-06 12:03
Should I Be Worried About Going to My Meeting of Creditors? There’s no doubt that declaring bankruptcy is a tough choice to make. For many, it’s the only viable way to start over… Read More
2022-05-24 13:52
Wage garnishment is one way that creditors can try to secure repayment by collecting money directly from your paycheck. At the Law Office of Joel R. Spivack, we help consumers get back on th… Read More
2022-05-11 13:58
Can You File Bankruptcy to Clear Court Fines? Bankruptcy gives a fresh start to individuals underwater with their debts, but not all debts can be discharged through filing a bankruptcy. &hell…Read More
2022-05-04 12:55
Bankruptcy can help you recover from your debt, but you’ll still have to make your mortgage payments. An attorney at The Law Office of Joel R. Spivack can explain how the bankruptcy la… Read More
2022-03-23 11:03
Filing for bankruptcy will stop the foreclosure proceeding, at least temporarily. The Automatic Stay, an order issued by the court, requires your creditors to stop actions against you immedi… Read More
2022-03-03 17:36
Can Alimony Be Discharged in Bankruptcy in New Jersey? Bankruptcy provides relief from immediate debt collection and allows you to discharge many outstanding debts. Ordinarily, bankruptcy al… Read More
2022-02-23 14:40
What Happens with My Tax Refund If I File for Personal Bankruptcy? When debt becomes unmanageable, many people wonder where they can turn for help. Filing for bankruptcy can help you dischar… Read More
2021-12-08 11:10
Let’s say you bought something on credit but the vendor’s bill never showed up in your mailbox. You thought you hit the jackpot! But then, one day, the company woke up and now yo… Read More
2021-10-18 13:00
Credit card debt is one of the major reasons people get in over their heads financially. In addition to medical debt – which actually ranks as the number one reason people are forced t… Read More
2021-10-07 14:33
The Ins and Outs of Wage Garnishment and How to STOP It In the world of debt collection, wage garnishment is the equivalent of bringing in the “big guns.” It’s a regular pa… Read More
2021-09-13 10:00
Getting into a difficult financial situation is hard for anyone, but it’s harder for someone who’s already filed for bankruptcy. There are no clear restrictions about the number… Read More
2021-09-07 14:31
If you’ve never purchased or sold a property before, you might not even be aware that real estate attorneys exist. A real estate attorney can be used for many different aspects of a re… Read More
2021-09-02 14:41
“I’ll get around to it.” You’ve probably said that sentence a time or two in your life. Maybe you’ve even said it about paying your bills. Unfortunately, pushin… Read More
2021-06-08 17:50
Despite what you might have been told by your creditors, you may not have to sign a reaffirmation agreement on your car loan in order to avoid repossession or to rebuild your credit score af… Read More
2021-04-26 11:00
One of the largest differences between Chapter 7 and Chapter 13 protections is that, with Chapter 7, most of your debts are discharged. Under Chapter 13, you get to live in the same way you… Read More
2021-04-20 07:08
This is the second article in a blog series on emergency savings and financial security. Check out the first blog article, “Study Finds That Most Americans Can’t Cover Unexpected… Read More
2021-02-02 19:35
Your debt is overbearing and you can’t keep up with your mortgage payments. There are a few possible paths you could face next, including foreclosure or a short sale. Both will help pa… Read More
2021-01-12 15:31
We are very proud and excited to announce that Attorney Joel R. Spivack has been named in the South Jersey Magazine 2020 Awesome Attorneys List in the category of Bankruptcy and Creditor-Deb… Read More
2020-06-04 15:15
If you’re on the verge, or even just considering the concept of filing for bankruptcy, understanding your options is an important step. People commonly hear about Chapter 7 or Chapter… Read More
2020-04-14 18:02
Your Stimulus Check May Be Subject to Seizure By Your Creditors Many Americans will be receiving their Stimulus checks this week. While that is good news that may provide some financial reli… Read More
2020-04-03 15:45
Last Friday, March 27, 2020, President Trump signed the Coronavirus Aid, Relief and Economic Security Act, also known as “CARES”. You have probably heard about the stimulus check… Read More
2020-02-05 14:00
For years, people have been consolidating to personal loans to boost their credit and get away from credit card debt. Now, they might see negative consequences for it. FICO will be updating… Read More
2020-01-29 15:14
Veterans, service members, and their families often go through times of hardship. Some of the challenges are unique to the military experience, but many troubles are the same as those found… Read More
2020-01-08 14:35
Are you facing foreclosure? If so, you’re not alone, it’s more common in New Jersey than many realize. In fact, we have more active foreclosure cases than any other state in the… Read More
2019-12-18 13:56
Each year, readers of South Jersey Magazine vote for the most outstanding lawyers in New Jersey. We are so proud to announce that Attorney Joel R. Spivack, of the Law Office of Joel R. Spiva… Read More
2019-12-10 15:48
For more than 25 years, our law firm has focused on consumer bankruptcy and residential real estate law throughout South Jersey. Now, we’ve made it easier and more convenient for our c… Read More
2019-08-20 11:00
If you’re planning on buying a home, you want to make sure you’re doing it for the right reasons. Depending on your lifestyle, determining whether or not you should buy a house c… Read More
2019-08-13 11:00
It is not always easy to keep up with bills. One thing to keep in mind is that an ability to stay current with your bills is something that many people have to deal with. Moreover, it is not… Read More
2019-08-07 14:02
We live in a scary time. Modern technology makes it very easy for people to remain anonymous, which gives fraudsters more chances to try and steal your identity and credit cards. Forbes rece… Read More
2019-07-02 18:41
Every year, the Legal Services of New Jersey (LSNJ) recognizes, honors and celebrates extraordinary pro bono contributors and attorney Joel R. Spivack has received the Legal Services of New… Read More
2019-05-29 13:08
After 15 years at the same address (19 years in the same office complex, Commerce Center in Cherry Hill), we are pleased to announce that we have moved! The Law Office of Joel R. Spivack is… Read More
2019-05-21 15:26
Buying a home for the first time is exciting, but it can also feel overwhelming to traverse these uncharted waters. Your first home should be a blessing, not a burden. Instead of racking eve… Read More
2019-05-07 12:46
When preparing for retirement, socking away as much as possible can fast-track empty nesters to their goals. To calculate a budget, it is typical to consider expenses such as mortgage paymen… Read More
2019-04-29 14:43
When seeking the services of a financial institution, many choose credit unions instead of banks because they generally offer certain advantages over banks. You might get a better interest r… Read More
2019-04-23 20:18
Finding yourself in a position of contemplating bankruptcy can bring up a lot of questions such as: How does a new bankruptcy affect my credit score vs. an old one? Some might be surprised t… Read More
2019-04-17 14:14
Many people who struggle with their finances and debt, also struggle with tax debt and turn to bankruptcy as a solution to their tax problems. Although bankruptcy can help with many types of… Read More
2019-04-09 20:24
Looking to Move When You Retire? 8 Considerations to Keep in Mind If you are thinking about moving when you retire, you are definitely not alone. Age Wave and Merrill Lynch report in their s… Read More
2019-04-04 13:25
Having a low credit score tags you as a high-risk borrower and can impact so many facets of your life. Just how can it affect you? It is the determining factor in whether or not a lender wil… Read More
2019-03-25 14:17
Bankruptcy is a complicated issue that affects many areas of one’s life, but in general, filing for bankruptcy doesn’t interfere with eligibility to receive federal aid. It can… Read More
2019-03-19 13:12
The good news: retail sales, industrial production and employment – all up. The U.S. economy doesn’t seem to be on the verge of a slowdown. Unfortunately, before each economic do… Read More
2019-03-11 20:14
A spring ritual is underway. Tens of thousands of people will soon get their tax refunds, with dreams of finally being able to afford something they’ve thought about for months. Countl… Read More
2019-02-26 20:23
Undoubtably the decision to declare bankruptcy is very difficult. The goal of filing bankruptcy is to give a troubled debtor a fresh start, yet it affects your future credit, your reputation… Read More
2019-02-25 21:07
Feeling like your debt is higher than ever? You’re not alone. The Federal Reserve reports on consumer debt each month, and recent stats show that consumer borrowing has reached a new m… Read More
2019-02-19 14:00
Making the decision to file for bankruptcy is never an easy one. Once you have made that decision, you may expect that the process will go smoothly and that you will quickly be able to move… Read More
2019-02-13 13:30
In 2005, the United States enacted the Bankruptcy Reform Act. Under the new guidelines, the courts are able to make a determination about whether or not you would be able to afford payments… Read More
2019-02-05 14:28
So you bought something on credit, but then never saw a bill for it. Perhaps you think: no bill = winner/free stuff! At some point, the company is likely to balance their books and find your… Read More
2019-01-24 11:00
When you’ve incurred unpayable debts, creditors may be awarded a judgment against you in court. A creditors judgment may include wage garnishment, which means money will be taken out o… Read More
2019-01-22 11:00
When you have unpaid debts, creditors may resort to pursuing a lawsuit against you in an attempt to collect. Not all creditors have the option of pursuing this legal remedy, but in many case… Read More
2019-01-17 11:00
When you’ve gotten buried under piles of unpayable debt, one legal remedy is to file for bankruptcy status. Put plainly, bankruptcy means that you have been deemed legally unable to pa… Read More
2019-01-15 11:00
Expert witness testimony is often used during court proceedings, but witnesses who testify during bankruptcy court follow different rules than those who are testifying in criminal or distric… Read More
2019-01-10 14:36
House sales are considered a giant expenditure for most Americans. Sadly, fraudulent activity still occurs in this industry, and it’s important for homeowners and home buyers to be awa… Read More
2019-01-08 11:00
Everyone who files for bankruptcy does so as a last resort. It’s never an ideal situation but filing for bankruptcy can help individuals with overwhelming debt make a new start. Follow… Read More
2019-01-03 15:17
Credit reporting agencies, creditors and other users of such information are subject to the Fair Credit Reporting Act. If any of these types of entities are found violating this act, then it… Read More
2019-01-01 11:00
House flipping is defined as earning a profit by buying a house and then reselling it. The house must be purchased with the direct intention of reselling it to be considered a flip. Individu… Read More
2018-12-27 11:00
Often times when buying a home, it is more financially feasible to purchase a cheaper house and pay for improvements than to spend a lot more money for a house that is move-in ready. This me… Read More
2018-12-25 11:00
If you have never purchased or sold a property before, you might not even be aware that real estate attorneys exist. A real estate attorney can be utilized for many different aspects of a re… Read More
2018-12-20 11:00
You might not have thought it would ever get this far. One missed credit card payment here, and another missed one there, and soon enough, you do not have the money to pay what you owe. The… Read More
2018-12-18 11:00
When it comes to filing for bankruptcy, there are two common options to choose from: Chapter 7 or Chapter 13. Chapter 7 bankruptcy is considered a liquidation bankruptcy. It makes it so most… Read More
2018-12-14 20:43
The most outstanding lawyers in all of New Jersey are voted on each year by the readers of South Jersey Magazine, and for the fourth consecutive year, Joel R. Spivack has been named one of t… Read More
2018-12-13 11:00
In the event that a creditor sues you and successfully gets a judgment, a wage garnishment is one way they can collect. A wage garnishment allows your creditor to take part of your employmen… Read More
2018-12-11 15:48
You should be proud and confident in the decision you have made to file for bankruptcy. Whether you have chosen Chapter 7 bankruptcy or Chapter 13 bankruptcy, you have given yourself the bes… Read More
2018-12-07 11:00
It goes without saying that if you are filing for bankruptcy then you probably have some financial struggles you are dealing with. At this point, it probably seems counter-intuitive to pay f… Read More
2018-12-06 16:44
One of the many reasons people shy away from filing for bankruptcy is simply because they are not aware of the bankruptcy process and what it entails. It can be quite involved and requires a… Read More
2018-11-29 11:00
Bankruptcy is typically advertised as an option you can turn to in a tough financial situation. It provides you with a way to discharge some, if not all, of your debt and get you back on tra… Read More
2018-11-27 11:00
Being in a tight financial bind with bankruptcy on your mind is a tough situation to find yourself in. You might be thinking, “How can this get any worse?” Then you get hit with… Read More
2018-11-20 11:00
More and more elderly Americans are looking to bankruptcy for relief, especially because of the rising costs of healthcare. And despite there being advantages for senior citizens over other… Read More
2018-11-15 11:00
Despite having a negative stigma, bankruptcy is often a great way to get a fresh financial start. In fact, one of the main purposes of bankruptcy is to help those who need it most by wiping… Read More
2018-11-13 11:00
Filing for bankruptcy is typically a process that should not be rushed. The bankruptcy process is complex, and law requires you to completely, accurately, and truthfully disclose all debts… Read More
2018-11-08 11:00
A homestead protection law is designed to protect individual property owners from losing their primary residence should they fall on hard times. The idea behind a homestead protection is tha… Read More
2018-11-06 11:00
Mortgage fraud is something that can be committed intentionally or by accident. It is also something that can be committed by individual borrowers, as well by lenders. According to the Feder… Read More
2018-11-01 11:00
There are a multitude of reasons that you may sit back and wait on filing for bankruptcy. One of the more common reasons for people delaying a filing for bankruptcy is that they believe thei… Read More
2018-10-25 11:00
As it stands, there are plenty of companies out there that people who are struggling financially can reach out to in order to file for bankruptcy or help get their debt settled. But with the… Read More
2018-10-23 11:00
Many people think filing for bankruptcy means you have hit the bottom of the barrel. It has a negative stigma attached to it, making many choose to shy away from filing. But the truth is ban… Read More
2018-10-18 11:00
Privacy has been and most likely always will be desirable in many aspects of your life. It becomes especially desirable in times of struggle and can play a big part in the decisions you make… Read More
2018-10-16 11:00
It is never easy to fall behind on your mortgage payments, especially when you are working so hard to meet them each month. If you fall far enough behind, the lender may begin the foreclosur… Read More
2018-10-11 11:00
Filing for Chapter 13 bankruptcy is one option if you are struggling financially. Under Chapter 13, your debt obligations get reorganized into a supervised monthly payment plan agreed on by… Read More
2018-10-09 11:00
Finding yourself struggling with your finances is a situation no person ever thinks they will be in. It is also one of those situations you might be embarrassed to talk about, making it some… Read More
2018-10-04 11:00
Nowadays, you would be hard pressed to go without hearing about cryptocurrency. If you do not already know, cryptocurrency is a digital or virtual currency that uses cryptography for securit… Read More
2018-10-02 11:00
One of the biggest annoyances of dealing with debt is having to handle creditors and their collection actions or civil lawsuits. Aside from providing you with a fresh financial start, one gr… Read More
2018-09-25 11:00
In order to complete a bankruptcy case and obtain a discharge, you need to meet certain requirements. If all of the appropriate and necessary steps are not taken, the bankruptcy court has th… Read More
2018-09-20 11:00
In a Chapter 13 bankruptcy, your debts will be broken down into secured debts, priority unsecured debts and non-priority unsecured debts. For secured debts, which are guaranteed by col… Read More
2018-09-18 11:00
Chapter 13 bankruptcy is an option where you are required to repay some of your debts in full through a three to five-year repayment plan. Through this, you will pay unsecured, non-priority… Read More
2018-09-13 11:00
You might be facing a ton of credit card debt, unsure of how you will ever pay it off. You might be considering Chapter 7 bankruptcy. You might also be thinking about dipping into your retir… Read More
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