Colts Neck Collection Lawyer, New Jersey, page 2

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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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2. Email
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Kenneth Lackey

Real Estate, Trusts, Criminal, Collection

Status: In Good Standing

CONTACT

The Galleria, Red Bank, NJ 07701

Lawrence L Mc Iver

Defect and Lemon Law, Litigation, Collection, Personal Injury

Status: In Good Standing Licensed: 61 Years

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215 Morris Ave, Spring Lake, NJ 07762

Millie Porfido

Traffic, Criminal, Collection

Status: In Good Standing

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Holmdel, NJ 07733

Richard B Tucker

Real Estate, Divorce & Family Law, Collection, Animal Bite

Status: In Good Standing

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3 Paragon Way, Freehold, NJ 07728

Richard Pepsny

Bankruptcy & Debt, Real Estate, Collection

Status: In Good Standing

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157 Broad St, Red Bank, NJ 07701

Robert A Olkowitz

Employment, Divorce, Criminal, Collection

Status: In Good Standing

CONTACT

1715 Hwy 35, Middletown, NJ 07748

Robyn Nolan Howlett

Family Law, Collection, Medical Malpractice, Car Accident

Status: In Good Standing Licensed: 24 Years

CONTACT

4400 Us Highway 9, Freehold, NJ 07728

Scott J. Basen

Criminal, Civil & Human Rights, Collection, Bankruptcy

Status: In Good Standing Licensed: 40 Years

CONTACT

10 E Main St, Freehold, NJ 07728

Stuart Cox

Real Estate, Trusts, Collection, Car Accident

Status: In Good Standing

CONTACT

The Galleria, Red Bank, NJ 07701

W Peter Ragan

Collection

Status: In Good Standing Licensed: 50 Years

CONTACT

3100 Route 138 West, Belmar, NJ 07719

800-923-0641

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800-943-8690

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LEGAL TERMS

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

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.

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.

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.

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.

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.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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.

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Colts Neck Collection Lawyer, New Jersey, page 2

Sponsored Law Firm

Schafkopf Law LLC

SPONSORED LAWYERS

Kenneth Lackey

Lawrence L Mc Iver

Millie Porfido

Richard B Tucker

Richard Pepsny

Robert A Olkowitz

Robyn Nolan Howlett

Scott J. Basen

Stuart Cox

W Peter Ragan

TIPS

LEGAL TERMS

UNDUE HARDSHIP

MEANS TEST

GUARANTOR

INTEREST

GRACE PERIOD

ACCORD AND SATISFACTION

LIEN

BANKRUPTCY

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

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