Bergen County, NJ Bankruptcy & Debt Lawyers, page 3

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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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John H Anlian

Construction, Adoption, Corporate, Bankruptcy

Status: In Good Standing Licensed: 48 Years

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Linda Torosian

Accident & Injury, Bankruptcy & Debt, Divorce & Family Law, Employment

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411 Hackensack Avenue, Hackensack, NJ 07601

Lloyd Bradley Sarakin

Bankruptcy

Status: In Good Standing Licensed: 43 Years

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Harry Michael Gutfleish

Bankruptcy, Trusts, Credit & Debt, Litigation

Status: In Good Standing Licensed: 36 Years

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Three University Plaza, Hackensack, NJ 07601

David Murray Edelblum

Consumer Protection, Antitrust, Bankruptcy, Personal Injury

Status: In Good Standing

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Two University Plaza, Hackensack, NJ 07601

John Murano

Bankruptcy

Status: In Good Standing

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800 Kinderkamack Rd, Oradell, NJ 07649

Cassandra Crimond Heuckroth

Education, Bankruptcy

Status: In Good Standing Licensed: 11 Years

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184 Grand Ave, Englewood, NJ 07631

Andres Olav Wirkmaa

Industry Specialties, Government, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

637 Wyckoff Ave, Wyckoff, NJ 07481

Noah M. Burstein

Real Estate, Estate, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 45 Years

CONTACT

722 Washburn Street, Teaneck, NJ 07666

James Fitzpatrick

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

Status: In Good Standing

CONTACT

105 South Farview Avenue, Paramus, NJ 07652

800-923-0641

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

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.

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Bergen County, NJ Bankruptcy & Debt Lawyers, page 3

Sponsored Law Firm

Schafkopf Law LLC

SPONSORED LAWYERS

John H Anlian

Linda Torosian

Lloyd Bradley Sarakin

Harry Michael Gutfleish

David Murray Edelblum

John Murano

Cassandra Crimond Heuckroth

Andres Olav Wirkmaa

Noah M. Burstein

James Fitzpatrick

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

WINDING UP

ADMINISTRATIVE EXPENSES

TOXIC TORT

CREDIT BUREAU

INTEREST

REDEMPTION

ACCORD AND SATISFACTION

UNSECURED DEBT

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PRACTICE AREAS 70