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A recent case was decided in favor of a New Jersey Debtor by the Third Circuit Court of Appeals where a "Debt Collector" violated the Fair Debt Collection Practices Act ("FDCPA") and New Jersey New Jersey Consumer Fraud Act ("CFA")...

The U.S. Trustee Program has announced new Means Testing Data for Bankruptcy Cases. The median income for each family size for a Debtor (or married Debtors) to qualify for a Chapter 7 New Jersey Bankruptcy Case for cases filed on...

Two Interesting examples of how the internet is destroying  business both big and small are the Chapter 11 Petitions filed by Toys R Us and Kabbalah Taxi Inc. The provisions of the Automatic Stay of the  Bankruptcy Code, 11 U.S....

Why Have Foreclosure Prevention Scam Artists Been Able to Convince Many Home Owners That They Would Save their Homes The foreclosure prevention scam described in the recent decision of the United States Court of Appeal for the Third Circuit, United...

Being served with a foreclosure complaint is an anxious experience for anyone, but in most cases it is not unexpected. The person served with the complaint knows that they have been served because the mortgage payments on their property are...

  Bankruptcy Code Chapter 13 Debt Limits Section 109(e) of the Bankruptcy Code establishes debt limits for a debtor, or married couple, to qualify for relief under Chapter 13 of the Code.   As with many monetary amounts in the...

  Most Pro Se Answers Filed by Defendants in New Jersey Foreclosure Proceedings Are a Waste of Money and Precious Time Defendants in New Jersey foreclosure proceedings sometimes file a a pro se answer to the foreclosure complaint without consulting...

Bankruptcy filings have dropped from 1,536,799 in 2010 to 770,846 in 2016. How Much of the Decline Was the Result of the Affordable Care Care Act.? In an article “How the Affordable Care Act Drove Down Personal Bankruptcy” dated May...

Supreme Court Holds that Debt Collector Who Filed a Claim in the Bankruptcy Court Barred by the Statue of Limitations Did Not Violate the Fair Debt Collection Practices Act, 15 U. S. C. §1692 et seq. In Midland Funding, v....

  Bankruptcy Court Holds Consumer Debtor’s Wages, Garnished Within 90 Day Period Prior to Filing Chapter 7 Bankruptcy, Are a Preference A recent decision, Tower Credit, Inc. v. Schott (In re Jackson), 2017 U.S. App. LEXIS 4369, is highlights one...