A: This is why we have a free consultation for debtors in Hackensack. We discuss your finances, your history, your goals, and I'll go over your legal options with you, whether debt settlement, debt relief, Chapter 7 liquidation plan, or Chapter 13 wage-earner plan. All consultations are confidential. if you are not a bankruptcy, I'll tell you so and why.
Q: Can I keep my car and house in bankruptcy?
A: For the car, usually yes (although if you have a loan, you have to make payments to the auto company). For a house, it depends. There is a special kind of bankruptcy designed to help you keep your house. New Jersey lets you keep a lot of things - it's called exemptions.
Q: What about taxes owed to IRS and taxes on forgiven debt?
A: If you actually filed a return and the taxes are old enough, you can often get rid of them. Debt forgiven in bankruptcy is usually not taxable. If a creditor sends you a Form 1099, you can fill out a form with your bankruptcy case number and discharge papers and the IRS usually accepts this.
Q: How much do you charge?
A: It depends - easier cases cost less, harder cases cost more. The Bankruptcy Court makes us tell them what we charge you and they can review it for fairness. I normally discount my fees from the highest fees I could legally charge, but I don't want to be the cheapest lawyer either. I tend to have more client contact than other lawyers, I'm easier to reach, I do a lot of pre-filing bankruptcy planning - that means I take on less cases, so my fee has to reflect that.
Here's answers to some legal questions you may have:
My main office is located at Rochelle Park Municipal Complex, 151 West Passaic Street, 2nd Floor, Rochelle Park, NJ just a short 9 minute drive or bus ride from the Central Avenue Courthouse in Hackensack. Go to WhIte Manna Hamburgers and turn onto Passaic Street - just drive straight until you get to my office. I have late hours and free parking. I also have other local offices available to meet clients by appointment.