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Scura, Wigfield, Heyer, Stevens & Cammarota Blog

John J. Scura III


Recent Posts

5 Proven Strategies to Improve Bad Credit Scores

credit score graphicHaving a good credit score is important for an individual in our economy.  The higher your credit score the better rates you are going to obtain on loans, which will save you money over the course of repaying the loan.  Thus, a solid credit history can have a significant impact on your quality of life, how much money you pay on loans as well as determine whether you can get loans at all.

Top 10 Tips To Buying Car Insurance In New Jersey

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1) Get Plenty of Uninsured/Underinsured Motorist Coverage

Underinsured/Uninsured Motorist Insurance Coverage is the most important insurance on your car that you can carry. In NJ, besides basic auto policies, all auto policies are required by law to have underinsured/uninsured motorist coverage in the minimum amount of $15,000 per person/$30,000 per accident. This minimal coverage is not enough. If you want to protect yourself and your family, you should increase your limits of uninsured/underinsured motorist coverage.

Do I have to Pay a Condominium Association Lien in Chapter 13 Bankruptcy?

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Changes in Chapter 13 Bankruptcy Law Treatment of Condominium Association Liens

Over the past year, New Jersey bankruptcy law concerning condominium association liens and their treatment under a Chapter 13 plans of reorganization has dramatically changed.

Does a Mortgage Modification Trial Period Establish a Valid Contract?

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U.S. District Judge Freda Wolfson recently ruled in favor of a homeowner’s claim for breach of contract after the mortgage company failed to honor a permanent modification after the homeowner completed all of the requirements of the trial modification.

Safety Tips to Avoid Pedestrian Accidents

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All of us are pedestrian at some time or another. When we’re at a crosswalk or traffic light, its often second nature to follow the flow of other pedestrian traffic or simply walk when the light tells us to do so. But did you know that nearly 3 out of 4 pedestrian deaths occur in urban environments (73%), at non-intersections (70%)? Education is the best way to protect yourself from a pedestrian accident. Check out the safety tips for drivers, pedestrians, parents, and youth groups below.

What the Law Says About Pedestrian Accident and Injury in New Jersey

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The statistics on pedestrian accidents and resulting injuries provide insight into the times and environments they’re more likely to occur.

According to the National Highway Traffic Safety Association, the majority of weekday pedestrian deaths occur between 4 p.m. and midnight, but most weekend pedestrian fatalities occur between 8 p.m. and 4 a.m.

5 Things to Do Immediately After Your Car Accident

An average of close to six million car accidents occur each year in the United States. The seriousness of accidents ranges from those only involving property damage to those involving serious injury and death.  You should always take minimum steps if you are involved in any type of accident. The below list is not complete, but serves as a recommendation from a car accident lawyer of some of the minimum things to do to best protect your rights after a car accident.

Ten Critical Steps To Take With Any Accident To Protect Your Rights

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Close to six million car accidents happen each year in the United States.  The seriousness of accidents range from those only involving property damage to those involving serious personal injury and death.  You should always take minimum steps if you are involved in any type of accident.  The below list is not complete, but at least highlights some of the minimum things to do to best protect your rights.

10 Things to Consider Before Filing Bankruptcy

While the following is not a complete list of all issues when deciding whether to file bankruptcy, these are frequent considerations and questions that arise with clients contemplating bankruptcy. 

Dealing with A Hoboken Bankruptcy? Your Exemptions May Have Increased

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One thing many Hoboken bankruptcy clients have been surprised to find out is that their exemptions increased. On April 1, 2013, the Federal Bankruptcy asset exemptions were increased by Congress. The exemptions increase every three years and just recently adjusted upwards. Some of the most commonly used exemptions under the Bankruptcy Code are now: