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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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Corinne Gurski

Collection, Construction, Environmental Law, Mental Health

Status: In Good Standing

CONTACT

127 Main Street, Chatham, NJ 07928

Nancy J. Bateman

Military & Veterans Appeals, Tax, Employment, Collection

Status: In Good Standing Licensed: 47 Years

CONTACT

1108 Springfield Ave, Mountainside, NJ 07092

Thomas G Russomano

Lawsuit & Dispute, Collection

Status: In Good Standing Licensed: 32 Years

CONTACT

1771 Front St, Scotch Plains, NJ 07076

Alan J. Helfand

Litigation, Workout, Collection, Bankruptcy Litigation

Status: In Good Standing

CONTACT

150 Jfk Parkway, Short Hills, NJ 07078

David Christopher Ricci

Criminal, Consumer Protection, Collection, Bankruptcy & Debt

Status: In Good Standing

CONTACT

51 Jfk Parkway, Short Hills, NJ 07078

Arthur A. Povelones

Collection, Estate Planning, Family Law, Litigation

Status: In Good Standing Licensed: 29 Years

CONTACT

673 Morris Ave, Springfield, NJ 07081

Scott E Tanne

Bankruptcy & Debt, Bankruptcy, Credit & Debt, Collection

Status: In Good Standing Licensed: 50 Years

CONTACT

25 Chatham Rd, Summit, NJ 07901

Jason Ryan Hawrylak

Deportation, Child Custody, Criminal, Collection

Status: In Good Standing

CONTACT

422 Morris Ave, Summit, NJ 07901

Shalom Stone

Motor Vehicle, Federal Trial Practice, Collection

Status: In Good Standing

CONTACT

86 Morris Ave, Summit, NJ 07901

John F. Jennings

Computer Law, Aviation, Federal Trial Practice, Collection

Status: In Good Standing Licensed: 42 Years

CONTACT

Summit, NJ 07902

800-923-0641

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LEGAL TERMS

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.

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.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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Berkeley Heights Collection Lawyer, New Jersey

Sponsored Law Firm

Schafkopf Law LLC

SPONSORED LAWYERS

Corinne Gurski

Nancy J. Bateman

Thomas G Russomano

Alan J. Helfand

David Christopher Ricci

Arthur A. Povelones

Scott E Tanne

Jason Ryan Hawrylak

Shalom Stone

John F. Jennings

TIPS

LEGAL TERMS

SOLE PROPRIETORSHIP

TRUTH IN LENDING ACT (TILA)

GRACE PERIOD

PRIORITY DEBT

GUARANTOR

FAIR CREDIT BILLING ACT (FCBA)

LIABILITY

MEETING OF CREDITORS

FRATERNAL BENEFIT SOCIETY BENEFITS

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