Atlantic City Bankruptcy & Debt Lawyer, New Jersey

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Kenneth  Psota Lawyer

Kenneth Psota

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Divorce & Family Law, Traffic, Bankruptcy & Debt, Accident & Injury, Lawsuit & Dispute

Kenneth Psota graduated cum laude from Widener University School of Law in Harrisburg, PA, and is licensed to practice law in both New Jersey and Penn... (more)

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Molly Todd Merenich

Administrative Law, Agriculture, Bankruptcy, Corporate
Status:  In Good Standing           

Randal Cowles

Corporate, Bankruptcy
Status:  In Good Standing           

Ali Homayouni

Real Estate, Landlord-Tenant, Collection
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Ed Thompson

Real Estate, Traffic, Bankruptcy & Debt, Accident & Injury, Motor Vehicle
Status:  In Good Standing           

Phillip F. Drinkwater III

Transportation & Shipping, Traffic, Bankruptcy, Corporate
Status:  In Good Standing           Licensed:  30 Years

Gregory Mutchko

Workers' Compensation, Employment, Family Law, Bankruptcy
Status:  In Good Standing           

Andrew Miller

Accident & Injury, Bankruptcy & Debt, Real Estate, Estate, Trusts
Status:  In Good Standing           Licensed:  40 Years

Robert P. Merenich

Agriculture, Corporate, Administrative Law, Bankruptcy
Status:  In Good Standing           Licensed:  28 Years

Charles T. Gemmel

Agriculture, Corporate, Administrative Law, Bankruptcy
Status:  In Good Standing           Licensed:  47 Years

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LEGAL TERMS

COLLATERAL

Property that guarantees payment of a secured debt.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)
In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

CCCS

See Consumer Credit Counseling Service.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)
A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)
A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)
A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

FDCPA

See Fair Debt Collections & Practices Act.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)
The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)
A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.