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February 27, 2018 Christopher J. Balala Bankruptcy, Debt Management, Credit

Understanding your FICO and CreditWise Credit Scores

All consumers should be aware of their credit score by checking their credit report. Amongst other benefits, periodically checking your score ensures that fraudulent activity is timely recognized and...

February 12, 2018 Christopher J. Balala Bankruptcy, Foreclosure

Saving Your Home After a Sheriff Sale

The foreclosure process can be complicated and seeking legal representation is always recommended. Sometimes borrowers ignore the foreclosure timeline until their property is sold at a sheriff sale....

December 27, 2017 Christopher J. Balala Bankruptcy, Chapter 7

Business New Jersey Chapter 7 Bankruptcies

Sometimes businesses just fail. The debt can become overwhelming and creditors can begin exercising their rights for repossession of equipment (leased or financed), levies on bank accounts, and...

December 20, 2017 Christopher J. Balala Attorney

Validity of Arbitration Clauses in New Jersey

Many larger contracts contain an arbitration clause or arbitration agreement, wherein the parties to the contract agree to settle their dispute outside of court, through the arbitration process. The...

December 7, 2017 Christopher J. Balala Attorney

New Jersey Superior Court Service of Process

In New Jersey, after you file a lawsuit or other legal document naming another party in the action, you must provide the defendant with a copy of the filed document. This is called service of process.

November 3, 2017 Christopher J. Balala Bankruptcy

Retaining Counsel or Other Professionals in New Jersey Bankruptcy

It is not uncommon for an individual to need the help of multiple attorneys at the same time.  Many individuals who are involved in a bankruptcy case are also involved in other litigation, which may...

October 12, 2017 Christopher J. Balala Attorney

Small Claims Court in New Jersey

Small Claims is a division of the Special Civil Part Court in New Jersey. The Small Claims Section is a forum where a person can sue another person or business to attempt to collect a small amount of...

September 28, 2017 Christopher J. Balala Bankruptcy

What to Expect at Your 341(a) Meeting of Creditors

The meeting of creditors, also called the 341 hearing, is a required appearance by all debtors in a bankruptcy case. The debtor’s appearance is required pursuant to section 341 of the Bankruptcy...

September 26, 2017 Christopher J. Balala Bankruptcy, Chapter 7

What Chapter 7 Bankruptcy Can’t Do

Chapter 7 bankruptcy is an extremely helpful legal proceeding for those drowning in debt. It is useful to eliminate credit card debt, medical bills, and unsecured personal loans. There are certain...

August 25, 2017 Christopher J. Balala Foreclosure

Potential Title Problems in a New Jersey Foreclosure

Real estate foreclosure in New Jersey has many technical requirements and many different time frames to keep track of whether or not you are the lender or the borrower. Sometimes when title defects...

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