Paterson Bankruptcy & Debt Lawyer, New Jersey

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Leonard R. Boyer Lawyer

Leonard R. Boyer

VERIFIED
Bankruptcy & Debt, Foreclosure, Lawsuit & Dispute, Business

From a very young age , Mr. Boyer knew that he wanted to be an attorney and have his own business, not work for someone else. Mr. Boyer was admitted t... (more)

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800-637-0380

Valerie  Palma DeLuisi Lawyer

Valerie Palma DeLuisi

VERIFIED
Bankruptcy & Debt, Divorce & Family Law, Litigation, Whistleblower, Estate

Valerie Palma DeLuisi, Esq. joined the firm in 2007 as a Legal Assistant, working full time, while attending college first, and then law school, at ni... (more)

William D. Russiello Lawyer

William D. Russiello

VERIFIED
Bankruptcy & Debt, Wills & Probate, Lawsuit & Dispute

Mr. Russiello is active and in good standing throughout the state of NJ. He office is in Hackensack and practices throughout the greater surrounding r... (more)

Fawn B Dyer Lawyer

Fawn B Dyer

VERIFIED
Bankruptcy & Debt, Divorce & Family Law

Fawn Dyer is a practicing lawyer in the state of New Jersey. She received her J.D. from Touro College, Jacob D. Fuchsberg Law Center in 2008.

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Steven Daniel Pertuz Lawyer

Steven Daniel Pertuz

VERIFIED
Bankruptcy & Debt, Real Estate, Credit & Debt, Foreclosure, Reorganization

Attorney Steven D. Pertuz is a graduate of Lafayette College where he received his Bachelor of Arts degree in Government and Law (1996). Prior to ente... (more)

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800-971-6470

Stuart  Nachbar Lawyer

Stuart Nachbar

VERIFIED
Bankruptcy & Debt, Collection, Bankruptcy, Credit & Debt, Banking & Finance

Lawyer.com Member Questionnaire Please describe a case(s) in the last year or two where you made a big difference. In the Special Needs field, I... (more)

John J. Scura

Complex Litigation, Consumer Protection, Corporate, Bankruptcy Litigation
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Virginia E. Fortunato

Reorganization, Collection, Bankruptcy, Bankruptcy & Debt
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Diana L. Brick

Bankruptcy, Business Organization, Contract, Estate Planning
Status:  In Good Standing           

Joseph J. Reilly

Bankruptcy, Corporate, Employment, Insurance
Status:  In Good Standing           

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LEGAL TERMS

FDCPA

See Fair Debt Collections & Practices Act.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)
An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)
The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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.

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.

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.

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.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)
Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)
The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.