Jersey City Bankruptcy & Debt Lawyer, New Jersey

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Victor Druziako
About | Practice Areas
Law Office of Victor Druziako, P.C.
1882 West Landis Avenue Vineland, NJ 08360» view map
Bankruptcy & Debt
Resolve Your Dispute With A Professional

Whether you need a bankruptcy attorney or assistance with estate planning law in Vineland, New Jersey, attorney Victor Druziako is here to help.

800-873-5260
1. Victor Druziako Vineland, NJ
  Attorney at Law - NJ, 1987
  Western New England University J.D.
2. AboutLaw Office of Victor Druziako, P.C.
  Over 30 Years Of Experience
3. Practice AreasExpertise
  Bankruptcy & Debt
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Gerard Robert DeSapio

Family Law, Collection, Immigration, Child Support

Status: In Good Standing

CONTACT

26 Journal Square, Jersey City, NJ 07306

Brett F George

Bankruptcy

Status: In Good Standing

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416 36th Street, Union City, NJ 07087

Filipe Pedroso

Criminal, Divorce & Family Law, Immigration, Bankruptcy & Debt

Status: In Good Standing Licensed: 26 Years

FREE CONSULTATION

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8 Wilson Avenue, Newark, NJ 07105

Zakaria Aljaludi

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

Status: In Good Standing

FREE CONSULTATION

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4100 Kennedy Blvd, Union City, NJ 07087

Tricia A. Flynn

Collection, Personal Injury, Wills & Probate, Foreclosure

Status: In Good Standing

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20 Oakland Ave, Jersey City, NJ 07306

Peter Lowell Nichols

Corporate, Personal Injury, Wills & Probate, Commercial Bankruptcy

Status: In Good Standing

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241 Kearny Avenue, Kearny, NJ 07032

Micaela Alvarez

Immigration, Family Law, Divorce, Bankruptcy

Status: In Good Standing Licensed: 26 Years

CONTACT

416 36Th Street, Union City, NJ 07087

Alan S. Porwich

Litigation, Estate Planning, Family Law, Consumer Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 43 Years

CONTACT

721 Newark Avenue, Jersey City, NJ 07306

Ciro A. Mederos

Bankruptcy, Divorce, Foreclosure, Traffic

Status: In Good Standing

CONTACT

545 39Th Street, Union City, NJ 07087

Jennifer Norton Weil

Employment, Student Rights, Contract, Bankruptcy

Status: In Good Standing Licensed: 21 Years

CONTACT

701 Grand St, Hoboken, NJ 07030

800-923-0641

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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.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

FCBA

See Fair Credit Billing Act.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

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.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

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.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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Jersey City Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Law Office of Victor Druziako, P.C.

SPONSORED LAWYERS

Gerard Robert DeSapio

Brett F George

Filipe Pedroso

Zakaria Aljaludi

Tricia A. Flynn

Peter Lowell Nichols

Micaela Alvarez

Alan S. Porwich

Ciro A. Mederos

Jennifer Norton Weil

TIPS

LEGAL TERMS

UNDUE HARDSHIP

CHAPTER 13 PLAN

DEFINED CONTRIBUTION PLAN

FCBA

REPOSSESSION

GUARANTOR

CHAPTER 7 BANKRUPTCY

DOING BUSINESS AS (DBA)

LOSS DAMAGE WAIVER (LDW)

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