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Gracy Wynter
About | Practice Areas
Hulse & Wynter, LLC
1624 Jacksonville Road Suite 1 Burlington, NJ 08016Â» view map
Bankruptcy & Debt Law
40 Years of Experience

The attorneys at Hulse & Wynter offer reliable legal solutions to individuals and businesses in the areas of real estate, family, probate, bankruptcy and business law.

800-611-9690
1. Gracy Wynter Burlington, NJ
  Attorney at Law - NJ, 1998
  New England SOL, J.D. 1998
2. AboutHulse & Wynter, LLC
  Representing the interests of New Jersey clients
3. Practice AreasExpertise
  Bankruptcy & Debt
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Michelle H. Badolato

Banking & Finance, Bankruptcy Litigation, Corporate, Credit & Debt

Status: In Good Standing

CONTACT

360 Haddon Avenue, Collingswood, NJ 08108

Robert N. Braverman

Foreclosure, Contract, Business Organization, Credit & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

800 N. Kings Highway, Cherry Hill, NJ 08034

Stephen P. DeNittis

Lawsuit & Dispute, Family Law, Divorce, Divorce & Family Law, Credit & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

5 Greentree Centre, Marlton, NJ 08053

Taironda E. Phoenix

Corporate, Business, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

360 Haddon Avenue, Collingswood, NJ 08108

Al Glimis

Real Estate, Criminal, Civil & Human Rights, Credit & Debt

Status: In Good Standing Licensed: 11 Years

CONTACT

100 Horizon Center Blvd, Robbinsville, NJ 08691

Andrew B. Altenburg

Bankruptcy & Debt, Bankruptcy, Unions, Credit & Debt

Status: In Good Standing Licensed: 32 Years

CONTACT

401 Market St, Camden, NJ 08101

Ashely Michelle Chan

Insurance, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 27 Years

CONTACT

20 Brace Rd, Cherry Hill, NJ 08034

Carolyn Marie Singleton

Government, Child Support, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing

CONTACT

Merchantville, NJ 08109

Craig Anthony Ambrose

Traffic, Credit & Debt

Status: In Good Standing Licensed: 31 Years

CONTACT

49 Rancocas Road, Mount Holly, NJ 08060

Darin Scott Portnoy

Health Care Other, Credit & Debt, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 34 Years

CONTACT

3490 Us Highway 1, Princeton, NJ 08540

800-923-0641

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LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

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.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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.

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.

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.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

SAMPLE LEGAL CASES

FORD MOTOR CREDIT COMPANY, LLC v. Calandra

... for reconsideration that Calandra deposed "three Ford credit witnesses." The appellate record only contains Anderson's and Nicosia's depositions. [2] As explained in Ford's statement of material facts in support of summary judgment, not disputed by Calandra, the debt owed by ...

FEDERATED FINANCIAL CORPORATION OF AMERICA v. ECO MEDICAL

... taken up by . . . a futile proceeding"). Even if, for the sake of argument, defendant's failure to file a timely answer was the result of excusable neglect, he presents no meritorious defenses to his personal liability for the credit card debt in this case. ...

FIA CARD SERVICES v. KESSIE

... PER CURIAM. Defendant Prince Kessie appeals from an order of the Law Division granting summary judgment against him for an alleged credit card debt in the amount of $19,214.04 plus costs. We reverse and remand for reinstatement of the pleadings. ...

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Florence Credit & Debt Lawyer, New Jersey

Sponsored Law Firm

Hulse & Wynter, LLC

SPONSORED LAWYERS

Michelle H. Badolato

Robert N. Braverman

Stephen P. DeNittis

Taironda E. Phoenix

Al Glimis

Andrew B. Altenburg

Ashely Michelle Chan

Carolyn Marie Singleton

Craig Anthony Ambrose

Darin Scott Portnoy

TIPS

LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

REAFFIRMATION

CREDIT BUREAU

NUISANCE FEES

GARNISHMENT

REDEMPTION

MEANS TEST

CHAPTER 13 BANKRUPTCY

DOING BUSINESS AS (DBA)

SAMPLE LEGAL CASES

FORD MOTOR CREDIT COMPANY, LLC v. Calandra

FEDERATED FINANCIAL CORPORATION OF AMERICA v. ECO MEDICAL

FIA CARD SERVICES v. KESSIE

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