Several factors can prevent you from filing for bankruptcy or receiving a discharge of your debts in New Jersey. These i...

Several factors can prevent you from filing for bankruptcy or receiving a discharge of your debts in New Jersey. These include failing the means test, committing fraud during the filing process, having a recently dismissed case, and receiving a prior discharge within restricted time periods. However, being disqualified from one chapter does not always mean you have no options. Many people who cannot file under Chapter 7 may still qualify for Chapter 13, and vice versa.
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Filing for bankruptcy in New Jersey does not automatically mean you will lose your car. Both Chapter 7 and Chapter 13 of...

Filing for bankruptcy in New Jersey does not automatically mean you will lose your car. Both Chapter 7 and Chapter 13 offer paths to keep your vehicle, depending on your equity, your loan balance, and the exemptions you choose. The key is understanding how state and federal exemption rules apply to your situation and picking the set that protects the most value.
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Yes, most retirement accounts are protected when you file for bankruptcy in New Jersey. Federal law shields employer-spo...

Yes, most retirement accounts are protected when you file for bankruptcy in New Jersey. Federal law shields employer-sponsored plans like 401(k)s and pensions with no dollar limit. Traditional and Roth Individual Retirement Accounts (IRAs) are protected up to $1,711,975 in the aggregate under current federal bankruptcy rules for cases filed on or after April 1, 2025, while SEP IRAs, SIMPLE IRAs, and qualifying rollover amounts are treated differently under the Code. However, the type of account you have, the exemptions you choose, and the timing of your filing can all affect how much protection you receive.
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New Jersey Foreclosure Lawyer - Daniel Straffi, Jr. - BSPE Legal Marketing Podcast

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