Bankruptcy

Meaningful, Lasting Change

Most people think of Bankruptcy as the end of the line. As we have seen over decades at Dublin Packard, Bankruptcy can be a bold new beginning for those who thought they had nowhere else to turn. We’ve compiled some of our previously published resources explaining more about Bankruptcy in New Jersey below. To discuss your options and turn your life around, give Dublin Packard a call today.

How to Stop a Sheriff’s Sale

A Home Owner Is Entitled To Two 2-Week Adjournments of A Sheriff Sale Simply By Requesting One and Paying A Small Fee to The Sheriff’s Office. Here’s How to Stop or Adjourn A Sheriff Sale.

It takes a long time in New Jersey to foreclosure on a home in New Jersey but ultimately, if the loan can’t be worked-out and brought current through a loan modification or a bankruptcy, most foreclosure cases end at a Sheriff sale. You may find you need to stop or adjourn a sheriff sale to get more time to work-out a foreclosure.

You are entitled to two adjournments for any or no reason.

An adjournment is lawyer-speak for temporarily stopping and postponing a court action or hearing. In a New Jersey foreclosure case, the plaintiff (your mortgage lender) is entitled to adjourn a Sheriff sale as may times as it wants for any or no reason but the defendant (the homeowner) is only entitled to two adjournments for any or no reason and only for two weeks, now 30 days, each. This law was updated on April 29, 2019 and goes into effect on July 30 2019 changing the two week adjournments to 30-day adjournments.

How Do I Get My Two Adjournments?

I have found over the years that all of the 21 County Sheriff offices across the State are staffed by extremely helpful individuals who make getting an adjournment easy. Each County has its own procedures and sets its own costs to request an adjournment but generally speaking, there is a small fee – usually $28 – to request an adjournment and it must be done in person (so you can pay the fee) using either a simple letter listing the docket number and Sheriff sale number and property address and the date of the sale and simply asking for the adjournment. Some Sheriff offices have a simple form which you can fill-out and give to the Sheriff’s representative to request the adjournment. 

What Happens After I Have Used My Two Adjournments?

Once you have taken your two adjournments, there are no more adjournments without petitioning the Court formally showing “good cause.” If it becomes necessary to request an adjournment beyond the two 2-week adjournments, a formal request to the Court, known as a “motion” can be made but it must be for good cause. This is something better done by a lawyer and typically can be a little costly. This additional adjournment is at the discretion of the judge and is only going to be granted for a very valid reason.

Use Your Adjournments Wisely.

If you were paying attention you noticed the plaintiff has an unlimited amount of “free” adjournments while you, the defendant, only have two “free” adjournments and they are limited to two weeks each. Therefore, if it is at all possible, ask the plaintiff to request the adjournment thereby saving yours for a later date. This is possible when you are working with your lender to obtain a loan modification or other mode of resolving the foreclosure.

Have You Been Served Foreclosure Papers in Middlesex County?

Don’t panic! The foreclosure process takes time, usually as much as a couple of years. New Jersey is a so-called “judicial state” in foreclosure proceedings – the foreclosure must proceed through the court system.

These are the available methods for dealing with the threat of foreclosure :

-Try to obtain a loan modification

-Initiate a judicial Foreclosure Defense

-Restructure finances, protect assets and discharge debt through Chapter 13 Bankruptcy

-Discharge debt through Chapter 7 Bankruptcy

Middlesex County in New Jersey offers the following useful facilities:

Middlesex County Courthouse

56 Paterson St.

New Brunswick, NJ 08903-0964

(732) 519-3200

Middlesex County Library

1300 Mountain Ave.

Middlesex, NJ 08846

Phone – 732-356-6602 | Fax – 732-356-8420

Middlesex County Planning Board

40 Livingston Ave.

New Brunswick, NJ 08901

(732)  745 – 3062

Middlesex County Sheriff’s Office

701 Livingston Ave

New Brunswick, NJ

(732) 745-3366

Have You Been Served Foreclosure Papers in Basking Ridge, New Jersey?
Don’t panic! The foreclosure process takes time, usually as much as a couple of years. New Jersey is a so-called “judicial state” in foreclosure proceedings – the foreclosure must proceed through the court system.

Basking Ridge, NJ offers the following useful facilities:

Somerset County Courthouse

20 North Bridge Street

Somerville, NJ 08876-1262

(908)231-7191

Somerset County Sheriff serving Basking Ridge NJ

20 Grove St, Somerville, NJ 08876

Phone: (908) 231-7140

Administration Building

1 Collyer Lane

Basking Ridge, NJ 07920

Phone: (908) 766-2510

Bernards Township Library

32 S. Maple Avenue

Basking Ridge, NJ 07920

Phone: (908) 204-3031 

Bernards Township Offices

1 Collyer Lane, Basking Ridge, NJ 07920

Hours: 8:30AM – 4:30PM

5 Tips for Choosing the Best Bankruptcy Lawyer in New Jersey

New Jersey Has Many Good Bankruptcy Lawyers. How do you choose the Best Bankruptcy Lawyer? Here are 5 tips.

  1. Be sure your bankruptcy lawyer practices bankruptcy law primarily if not exclusively. Bankruptcy law can be complex with many nuances. A good bankruptcy lawyer might handle 10 or 20 cases each month. Over five years, that can be about 1000 cases. A lawyer who dedicates most or all of his or her practice to bankruptcy cases will naturally know how to get your case prepared and filed correctly and get you the result you want.
  2. Make sure your lawyer spends time with you interviewing you and asking specific and detailed questions about your financial situation and explains the law and process in detail before he or she recommends bankruptcy and specifically the type of bankruptcy that is right for your situation.
  3. Beware of low-priced bankruptcy lawyers. Bankruptcy, when done correctly, requires a very careful analysis of a vast amount of detailed financial information. Therefore, it is very time consuming. A low-priced lawyer may be a sign your lawyer is going to cut corners on your case.
  4. Ask for a written fee agreement and be sure there are no hidden charges. Also, be sure your lawyer is handling your entire case for the quoted fee, not just preparing the petition then charging you extra for parts of the case that other lawyers include in their fee.
  5. Your lawyer’s experience can make all of the difference. Be sure your lawyer has at least 5 years of experience primarily practicing bankruptcy law.

The Cost to File Bankruptcy in New Jersey

How much does it cost to file bankruptcy in New Jersey is a question most people want to know the answer to right away.

Chapter 7 Bankruptcy in New Jersey

For most people, Chapter 7 Bankruptcy is the quickest, easiest, and most cost-effective choice. If you don’t own a home and don’t have too much income, Chapter 7 may be right for you. There is a range of fees, and payment plans are available as well.

Chapter 13 Bankruptcy in New Jersey

Chapter 13 Bankruptcy is a repayment plan or reorganization of your debts. If you have  above-average income or equity in a home, Chapter 13 may be right for you. Chapter 13 Bankruptcy cases are more complex than typical Chapter 7 Bankruptcy cases therefore the fees are a little more costly. BUT, a portion of the fees can be paid over 60 months making a Chapter 13 Bankruptcy case very affordable. 

Payment Plans Make Chapter 13 Bankruptcies Easier

Most people who need to file for bankruptcy don’t have the money it takes to pay the fees and costs associated with filing. Payment plans are usually the answer. We do convenient monthly and bi-weekly payment plans that fit your budget, to make paying for bankruptcy a little easier. 

Court Costs

In addition to attorney’s fees for filing your case, there are Court costs typically around $325 which are due on filing. In some cases, if you apply and the Court agrees, you may be able to pay the Court cost in four payments or even get the fee waived.

No Hidden Fees.

Be sure to ask when comparing payment plans between lawyers: do they charge extra for services that should be included in an average bankruptcy case such as appearing on your behalf at the 341 hearing,

Credit Rebuilding Advice.

Does your lawyer show you how to rebuild your credit after filing bankruptcy? It’s a service that all lawyers should offer, and, of course, we do.  Ask us about it.

How Do I Come Up With The Money To Pay For The Cost To File Bankruptcy In New Jersey?
Stop Paying Your Credit Cards.

The Cost To FIle Bankruptcy In New Jersey can be daunting. Many people can stop paying their credit cards once they have made the decision to file bankruptcy. This often frees-up enough money to make payments for the attorney fee and Court costs. Other people have to rely on friends or family to give them the money. Still others wait until they receive their tax refund as a way to fund the cost.

Use Your Tax Refund.

Use your tax refund to fund the cost to file bankruptcy in New Jersey. The research submitted to the National Bureau of Economic Research, conducted by a group of professors from Columbia University, the University of Chicago and Washington University in St. Louis, examined how bankruptcy filings spiked after people received their tax rebates in previous years. They estimate that another 200,000 consumers, who would otherwise not have enough money to file, will use their tax refunds to pay for bankruptcy this year.

Payment Plans 

Bankruptcy hits at the least opportune times – usually when you don’t have the money to pay the legal fee and maybe when a wage garnishment, car repo, or sheriff sale is imminent.  Payment plans are the answer.

Our office is conveniently located to serve all of Somerset County, Warren County, Passaic County, Hunterdon County, Union County, Morris County, and Middlesex County.

Cost to File Bankruptcy in Essex County New Jersey: Belleville, Bloomfield, Caldwell, Cedar Grove, Orange, East Orange, Fairfield, Glen Ridge, Irvington, Livingston, Maplewood, Millburn, Short Hills, Montclair, Nutley, Roseland, South Orange, Verona, West Caldwell, West Orange.

Cost To File Bankruptcy in Hudson County New Jersey: Bayonne, Jersey City, Hoboken, Union City, West New York, Guttenberg, Secaucus, Kearny, Harrison, North Bergen, Weehawken

Cost To File Bankruptcy in Passaic County New Jersey: Clifton, Haledon, Hawthorne, Little Falls, Singac, North Haledon, Passaic, Paterson, Pompton Lakes, Prospect Park, Ringwood, Totowa, Wanaque, Wayne, West Milford, Hewitt, Newfoundland, Oak Ridge, Woodland Park

Cost To File Bankruptcy in Bergen County New Jersey: Allendale, Alpine, Bergenfield, Bogota, Carlstadt, Cliffside Park, Closter, Cresskill, Demarest, Dumont, East Rutherford, Edgewater, Elmwood Park, Emerson, Englewood, Englewood Cliffs, Fair Lawn, Fairview, Fort Lee, Franklin Lakes, Garfield, Glen Rock, Hackensack, Harrington Park, Hasbrouck Heights, Haworth, Hillsdale, Ho-Ho-Kus, Leonia, Little Ferry, Lodi, Lyndhurst, Mahwah, Maywood, Midland Park, Montvale, Moonachie, New Milford, North Arlington, Northvale, Norwood, Oakland, Old Tappan, Oradell, Palisades Park, Paramus, Park Ridge, Ramsey, Ridgefield, Ridgefield Park, Ridgewood, River Edge, River Vale, Rochelle Park, Rockleigh, Rutherford, Saddle Brook, Saddle River, South Hackensack, Teaneck, Tenafly, Teterboro, Upper Saddle River, Waldwick, Wallington, Washington Township, Westwood, Wood-Ridge, Woodcliff Lake, Wyckoff

Cost To File Bankruptcy in Union County New Jersey:  Fanwood, Garwood, Kenilworth, Mountainside, New Providence, Roselle Park, Roselle, Elizabeth, Linden, Plainfield, Rahway, Summit, Westfield, Berkeley Heights, Clark, Cranford, Hillside, Scotch Plains, Springfield Township, Union Township, Winfield Township

Cost To File Bankruptcy in Middlesex County New Jersey: Carteret, Cranbury, Dunellen, East Brunswick, Edison, Helmetta, Highland Park, Jamesburg, Metuchen, Middlesex, Milltown, Monroe, Clearbrook Park, Concordia, Rossmoor, Whittingham, New Brunswick, North Brunswick, Old Bridge, Brownville, Laurence Harbor, Madison Park, Old Bridge, Perth Amboy, Piscataway, Society Hill, Plainsboro Township, Plainsboro Center, Princeton Meadows, Sayreville, Parlin, South Amboy, South Brunswick, Dayton, Deans, Heathcote, Kendall Park, Kingston, Monmouth Junction, South Plainfield, South River, Spotswood, Avenel, Colonia, Fords, Hopelawn, Iselin, Keasbey, Menlo Park Terrace, Port Reading, Sewaren, Woodbridge

The Fair Foreclosure Act

You can read a copy of the Fair Foreclosure Act here.

List of Chapter 7 Bankruptcy Trustees in New Jersey

List of Chapter 7 Bankruptcy Trustees in New Jersey
Note: The individuals listed are private parties, not government employees.
Bruce D. Atkinson
P.O. Box 8415
Red Bank, NJ 07701
E-mail: bunceatkinson@aol.com
Phone: (732)530-5300
Fax: (732)530-9877
Karen E. Bezner
567 Park Avenue, Suite 103
Scotch Plains, NJ 07076
Phone: (908)322-8484
Fax: (908)322-0560
Donald V. Biase
225 Millburn Ave., Suite 207
Millburn, NJ 07041
Phone: (973)618-1008
Fax: (973)379-7489
Nicholas J. Delzotti
11 Franklin Street, 3rd Floor
Newark, NJ 07102
P.O. Box 20117
Newark, NJ 07102
E-mail: nick9151@aol.com
Phone: (973)622-3464
Fax: (973)622-6422
Andrea Dobin
427 Riverview Plaza
Trenton, NJ 08611
Phone: (609) 695-6070
Fax: (609) 695-6071
Barbara A. Edwards
The Vanguard Building
10-04 River Road
Fair Lawn, NJ 07410
Phone: (201)796-3100
Fax: (201)791-0350
Charles M. Forman
80 Rt. 4 East
Suite 290
Paramus, NJ 07652
Phone: (201)845-1000
Fax: (201)845-9112
Barry W. Frost
691 Route #33
Trenton, NJ 08619
Phone: (609)890-1500
Fax: (609)890-6961
John W. Hargrave
117 Clements Bridge Road
Barrington, NJ 08007
E-mail: jhargrave@hargravelaw.com
Phone: (856)547-6500
Fax: (856)547-6640
Nancy Isaacson
75 Livingston Avenue
Roseland, NJ 07068
Phone: (973)535-1600
Fax: (973)535-1698
Gary S. Jacobson
25 Independence Blvd.
Warren, NJ 07059
E-mail: gjacobson@heroldhaines.com
Phone: (908)647-1022
Fax: (908)647-7721
Steven P. Kartzman
101 Gibraltar Drive, Suite 2F
Morris Plains, NJ 07950
Phone: (967)267-0220
Fax: (973)267-2402
Jonathan Kohn
50 Park Place
Newark, NJ 07102
Phone: (973)622-7713
Fax: (973)733-9817
Jeffrey A. Lester
374 Main Street
Hackensack, NJ 07601
Phone: (201)487-5544
Fax: (201)487-4026
Theodore Liscinski, Jr.
265 Davidson Avenue, Suite 200
Somerset, NJ 08873
Phone: (732)469-9008
Fax: (732)469-9037
Jay L. Lubetkin
293 Eisenhower Parkway, Suite 100
Livingston, NJ 07039
Phone: (973)597-9100
Fax: (973)597-9119
Joseph D. Marchand
117-119 West Broad St.
Bridgeton, NJ 08302
P.O. Box 298
Bridgeton, NJ 08302
E-mail: JMarchand@comcast.net
Phone: (856)451-7600
Fax: (856)451-6535
John M. McDonnell, III
115 Maple Ave.
Suite 201
Red Bank, NJ 07701
E-mail: jmcdonnell@mcdonnellcrowley.com
Phone: (732) 383.7233
Fax: (732) 383-7531
Stacey L. Meisel
354 Eisenhower Parkway, Suite 1500
Livingston, NJ 07039
Phone: (973)422-1100
Fax: (973)422-9122
Joseph J. Newman
4 Concord Street
Cranford, NJ 07016
Phone: (908)276-9371
Fax: (908)276-2547
Thomas J. Orr
321 High St., 2nd Floor
Burlington, NJ 08016
Phone: (609)386-8700
Fax: (609)386-7765
Eric R. Perkins
40 West Ridgewood Avenue
Ridgewood, NJ 07450
Phone: (201) 445-6722
Fax: (201) 445-5376
Barry R. Sharer
1103 Laurel Oaks Road
Suite 105B
Voorhees, NJ 08043
Phone: (856)435-3200
Fax: (856)435-4868
Andrew S. Sklar
1200 Laurel Oak Road, Ste. 102
Voorhees, NJ 08043
Phone: (856) 258-4050
Fax: (856) 258-6941
Peggy E. Stalford
1516 Hwy. 138, Suite 2B
Wall, NJ 07719
Phone: (732) 894-9090
Fax: (732) 894-9092
Douglas S. Stanger
646 Ocean Heights Ave.
Linwood, NJ 08221
Phone: (609)645-1881
Fax: (609)645-9932
Charles A. Stanziale
Gateway Four
100 Mulberry Street
Newark, NJ 07102
Phone: (973)639-7908
Fax: (973)624-7070
Benjamin A. Stanziale, Jr.
29 Northfield Ave., Suite 201
West Orange, NJ 07052
Phone: (973)731-9393
Fax: (973)731-9401
Daniel E. Straffi
670 Commons Way
Toms River, NJ 08755
Phone: (732)341-3800
Fax: (732)341-3548
Thomas J. Subranni
1624 Pacific Avenue
Atlantic City, NJ 08401
Phone: (609)347-7000
Fax: (609)345-4545
John W. Sywilok
51 Main Street
Hackensack, NJ 07601
Phone: (201)487-9390
Fax: (201)487-9393
Brian S. Thomas
327 Central Avenue, Suite 104
Linwood, NJ 08221
Phone: (609)601-6066
Fax: (609)601-6061
Robert B. Wasserman
225 Millburn Avenue, Suite 207
Millburn, NJ 07041
P.O. Box 1029
Millburn, NJ 07041
E-mail: attys@wjslaw.com
Phone: (973)467-2700
Fax: (973)467-8126
David A. Wolff
396 Route 34
Matawan, NJ 07747
Phone: (732)566-1189
Fax: (732)566-1192
Catherine E. Youngman
80 Rt. 4 East, Suite 290
Paramus, NJ 07652
Phone: (201) 845-1000
Fax: (201) 845-9112
List of Chapter 13 Bankruptcy Trustees in New Jersey
Note: The individuals listed are private parties, not government employees.
Isabel C. Balboa
Cherry Tree Corporate Center
535 Route 38, Suite 580
Cherry Hill, NJ 08002
E-mail: ibalboa@standingtrustee.com
Phone: (856)663-5002
Fax: (856)663-3805
Marie-Ann Greenberg
30 Two Bridges Road, Suite 330
Fairfield, NJ 07004
E-mail: mag@magtrustee.com
Phone: (973)227-2840
Fax: (973)227-3272
Albert Russo
1 AAA Drive, Suite 101
CN 4853
Robbinsville, NJ 08691
Phone: (609)587-6888
Fax: (609)587-9676