Saddle Brook Bankruptcy & Debt Lawyer, New Jersey

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Gary Schafkopf
About | Practice Areas
Schafkopf Law LLC
11 Bala Ave Bala Cynwyd, PA 19004» view map
Bankruptcy & Debt
We Are Here To Help You

Gary Schafkopf is a practicing lawyer in the states of Pennsylvania and New Jersey who focuses on cases in Bankruptcy & Debt, Employment, and Real Estate.

800-970-4781
1. Gary Schafkopf Bala Cynwyd, PA
  Attorney at Law- PA, 1999
  Schafkopf Law LLC
2. AboutSchafkopf Law LLC
  We Are Here To Help You
3. Practice AreasExpertise
  Bankruptcy & Debt
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Jose Raul Torres

✓ VERIFIED

Real Estate, Divorce & Family Law, Criminal, Bankruptcy & Debt

José R. Torres is experienced in real estate, bankruptcy and criminal defense. He also counsels clients in customs

CONTACT

800-761-6810

129 Prospect St, Passaic, NJ 07055

Carl G. Zoecklein

✓ VERIFIED

Criminal, DUI-DWI, Motor Vehicle, Bankruptcy & Debt, Real Estate

Carl G. Zoecklein, graduated from Seton Hall Law School in 1989, passed the New Jersey Bar in 1990 and became a licensed Attorney in the State of New ... (more)

FREE CONSULTATION

CONTACT

800-910-1531

737 Broad St, Clifton, NJ 07013

Virginia E. Fortunato

Reorganization, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

One Kinderkamack Road, Hackensack, NJ 07601

Alecia C. Daniel

Litigation, Corporate, Contract, Collection

Status: In Good Standing

CONTACT

25 E. Salem Street, Hackensack, NJ 07601

Myron D. Milch

Contract, Credit & Debt, Collection, Bankruptcy & Debt

Status: In Good Standing

CONTACT

433 Hackensack Avenue, Hackensack, NJ 07601

Jeremias Batista

Accident & Injury, Consumer Bankruptcy

Status: In Good Standing Licensed: 19 Years

CONTACT

417 Clifton Avenue, Clifton, NJ 07011

Franklin G. Soto

DUI-DWI, Criminal, Bankruptcy, Accident & Injury

Status: In Good Standing Licensed: 35 Years

CONTACT

434 21st Avenue, Paterson, NJ 07513

Matthew Michael Gorman

Divorce & Family Law, Bankruptcy & Debt, Motor Vehicle, Real Estate

Status: In Good Standing

FREE CONSULTATION

CONTACT

411 Hackensack Avenue, Hackensack, NJ 07601

Toni A Russo

Employment Discrimination, Divorce & Family Law, Criminal, Bankruptcy

Status: In Good Standing

CONTACT

79 Main St, Hackensack, NJ 07601

Nicholas Brindisi

Real Estate, Family Law, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 45 Years

CONTACT

1200 Rt 46 West, Clifton, NJ 07013

800-923-0641

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LEGAL TERMS

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

FCRA

See Fair Credit Reporting Act.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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Saddle Brook Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Schafkopf Law LLC

SPONSORED LAWYERS

Jose Raul Torres

Carl G. Zoecklein

Virginia E. Fortunato

Alecia C. Daniel

Myron D. Milch

Jeremias Batista

Franklin G. Soto

Matthew Michael Gorman

Toni A Russo

Nicholas Brindisi

TIPS

LEGAL TERMS

IRS EXPENSES

CREDIT INSURANCE

FAIR LABOR STANDARDS ACT (FLSA)

FCRA

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

DEBIT CARD

MEANS TEST

FAIR CREDIT REPORTING ACT (FCRA)

SOLE PROPRIETORSHIP

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