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Scura, Wigfield, Heyer, Stevens & Cammarota Blog

The Automatic Stay and its Effect on Foreclosure Actions

Many people file for bankruptcy to protect their real property from being foreclosed on. There is a specific section within the Bankruptcy Code that mandates that creditor collection actions against property of the debtor must cease immediately upon the filing of the bankruptcy. This blog will explore that section of the bankruptcy code and how parties can avoid a creditor obtaining relief from that section.

The Effect of Bankruptcy on Your NJ Residential Lease

Many people who are contemplating filing for bankruptcy in New Jersey are concerned about the effect that it will have on their residential lease if their landlord learns about the proceeding. This blog will explore what impact, if any, a bankruptcy will have on your residential lease.

Will Your NJ Residence Be Sold in a Chapter 7 Bankruptcy?

You may be worrying about whether you will be able to retain your New Jersey residence after filing for chapter 7 bankruptcy. If you are in this situation, you will need to be aware of what your residence is worth along with what is owed on the mortgage(s).

Do You Want to Become Debt Free? Try This First.

We have created one of the quickest and easiest tools that will help you pay off your debt and obtain the financial freedom you deserve.  The worst thing about being in debt is finding a resource you can trust. Fortunately, after reading this blog, you can find some relief in a solution that can work for you! ScuraSmart--our completely free tool, pinpoints your exact issue and type of debt you currently have and offers you a solution based on your unique situation in under a minute. 

Why You Shouldn't File Bankruptcy Without the Help of a NJ Attorney

Filing for bankruptcy is never an easy decision. Nonetheless, beginning the bankruptcy process is one of the most effective ways to stop harassing phone calls from your creditors so that you can regain control of your finances. If you or a loved one has been seriously thinking about declaring bankruptcy under Chapter 7 or Chapter 13, you may have thought about beginning the process on your own. Bankruptcies are notorious for being expensive and the thought of having to pay NJ attorney fees can seem impossible. That shouldn't mean you have to make a risky decision. 

Exempt vs. Non-Exempt Property in an NJ Bankruptcy Case

When you file for bankruptcy in New Jersey, there are myriad different aspects of your life that will be affected. While most should be positive, there may be some things that come along with bankruptcy that you weren’t expecting. As your trusted local NJ bankruptcy attorneys, we at Scura are here to help you determine which assets will be affected during bankruptcy filing and set your mind at ease.

6 Bad Financial Habits That Are Signs You Should Consider Bankruptcy

In many circumstances, you take on debt because something unexpected happens. You or a loved one may lose a job or face long-term health problems. In other situations, however, the need to file bankruptcy may arise because you have developed some poor financial habits that trap you in a cycle of taking on more and more debt.

The Impact of a Judgement of Possession on Your Lease in Bankruptcy

Has falling behind on your NJ lease obligation caused your landlord to initiate eviction proceedings against you? If so, has the New Jersey landlord also obtained a judgment of possession for the premises? This blog will explore your options if you are currently facing this scenario through a bankruptcy proceeding in New Jersey.

How Bankruptcy Can Stop A Wage Garnishment

Generally, individuals file for bankruptcy after their creditors begin collection actions for repayment of outstanding debts. These actions may include written notices and daily phone calls. However, if the creditor is unable to obtain consensual repayment, they may seek additional legal remedies, including a wage garnishment order.  When an individual experiences a wage garnishment, it is likely they are facing a financial hardship and garnishment will exacerbates the situation.

Retaining Your Property after a Foreclosure Sale?

Has your property recently been foreclosed upon at a sheriff sale leaving you scrambling to try to retain it? There is an avenue of the law that may provide you with a potential solution through a preference action in a bankruptcy proceeding. However, as this blog will explore, it is an unsettled area of the law meaning that different parts of the country have ruled in different ways on this issue. Despite the uncertainty, pursuing this legal avenue may be your last best hope.

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