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A local lawyer says his clients plan to challenge the new rule.
via Straffi & Straffi Attorneys at Law https://www.nj.com/news/2023/07/after-prom-at-the-beach-think-again-jersey-shore-town-raises-rental-age-to-21.html
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Woman in New Jersey arrested for posing as a physician and prescribing
via Straffi & Straffi Attorneys at Law https://www.beckershospitalreview.com/hospital-physician-relationships/woman-suspected-of-posing-as-physician-charged.html ![]()
The only thing better than the beach on a hot day is having the beach right outside your house. Check out these waterfront homes for sale.
via Straffi & Straffi Attorneys at Law https://patch.com/new-jersey/lacey/cool-these-waterfront-ocean-county-homes When faced with mounting debt and financial challenges, it’s essential to have accurate information about the frequency of bankruptcy filings. This knowledge allows individuals to make informed decisions about their financial future and explore the best course of action to address their debt burdens. If you find yourself considering bankruptcy as a solution to your financial difficulties, it is highly recommended to seek the help of a skilled New Jersey bankruptcy attorney. They possess the knowledge of the law and experience necessary to guide you through the intricate bankruptcy process, ensuring that you understand the laws and regulations specific to New Jersey. Our qualified New Jersey bankruptcy attorneys at Straffi and Straffi Attorneys At Law can assess your unique situation, help you determine if bankruptcy is the right option for you, and provide guidance on the frequency of bankruptcy filings. Our attorneys can help you navigate the complexities of the legal system on your behalf, maximizing the benefits of bankruptcy while minimizing potential drawbacks. We can also assist you in understanding how bankruptcy can affect ownership of your assets such as how filing for bankruptcy can affect your home equity. Contact us today at (732) 341-3800 to schedule a free consultation with one of our attorneys. What is Bankruptcy?Bankruptcy is a legal status that can be declared by individuals or businesses who are unable to repay their debts. It provides a fresh start by eliminating certain debts or establishing a manageable repayment plan. Filing for bankruptcy can help debtors protect themselves from aggressive collection actions, such as wage garnishment, foreclosure, or repossession. Bankruptcy laws in New Jersey encompass both federal regulations and specific state provisions. It’s essential to understand these laws before filing for bankruptcy:
If you are considering filing for bankruptcy, consulting with a knowledgeable bankruptcy attorney in New Jersey will ensure that you make informed decisions and comply with the applicable laws and regulations. Different Types of Bankruptcy in New JerseyIn New Jersey, the two primary types of bankruptcy for individuals are Chapter 7 and Chapter 13. Chapter 7 BankruptcyChapter 7 bankruptcy, also known as “liquidation bankruptcy,” involves the liquidation of non-exempt assets to repay creditors. The bankruptcy court appoints a trustee who evaluates your assets, sells the non-exempt ones, and distributes the proceeds among your creditors. Many assets are protected by exemptions, allowing debtors to retain essential property necessary for a fresh start. However, eligibility criteria for Chapter 7 bankruptcy may be difficult to meet. It is important to consult a skilled attorney to determine the advantages and disadvantages of each set and to choose the one that benefits you the most. Eligibility Criteria for Chapter 7 Bankruptcy in New JerseyTo be eligible for Chapter 7 bankruptcy in New Jersey, debtors must meet certain criteria, including:
Benefits and Drawbacks of Filing Chapter 7 Bankruptcy Multiple TimesWhile Chapter 7 bankruptcy provides individuals with significant debt relief, filing for Chapter 7 bankruptcy multiple times in New Jersey has both benefits and drawbacks: Benefits:
Drawbacks:
Chapter 13 BankruptcyChapter 13 bankruptcy, often referred to as “reorganization bankruptcy,” allows debtors to create a repayment plan to gradually repay their debts over a period of three to five years. This type of bankruptcy is suitable for individuals who have a regular income and want to protect their assets from liquidation. Eligibility Criteria for Chapter 13 Bankruptcy in New JerseyTo be eligible for Chapter 13 bankruptcy in New Jersey, individuals must meet certain criteria, including:
Benefits and Drawbacks of Filing Chapter 13 Bankruptcy Multiple TimesFiling for Chapter 13 bankruptcy multiple times in New Jersey has both benefits and drawbacks: Benefits:
Drawbacks:
The Frequency of Bankruptcy Filings in New JerseyFiling for bankruptcy is a significant decision that can have long-lasting implications on your financial well-being. Understanding the frequency of bankruptcy filings in New Jersey is crucial to navigate the process effectively and make informed decisions. How often can you file for bankruptcy in New Jersey?The frequency with which you can file for bankruptcy in New Jersey depends on the type of bankruptcy previously filed and the specific chapter under which you seek relief. Chapter 7 to Chapter 7If you previously filed for Chapter 7 bankruptcy and received a discharge, you must wait eight years from the date of the previous filing before you can file for Chapter 7 bankruptcy again and receive another discharge. However, it’s important to note that even if you are not eligible for a discharge, you may still benefit from filing Chapter 7 bankruptcy to address certain financial issues. Chapter 7 to Chapter 13If you have received a Chapter 7 discharge, you can file for a Chapter 13 bankruptcy after four years from the date of the previous filing. Chapter 13 to Chapter 7If you filed for Chapter 13 bankruptcy and received a discharge, you can file for Chapter 7 bankruptcy six years after the date of the previous filing. Chapter 13 to Chapter 13If you received a Chapter 13 discharge, you must wait two years from the date of the previous filing before you can file for Chapter 13 bankruptcy again. You may also opt to file another Chapter 13 bankruptcy after the repayment plan for your previous filing has been successfully concluded, taking approximately 3-5 years. Knowing about the limitations of how often you can file for bankruptcy is important as it allows you to avoid any issues with restrictions and avail of the benefits for filing in a timely manner. It is recommended to consult with an experienced bankruptcy attorney who can assess your unique circumstances, guide you through the process, and provide the most appropriate solutions based on the applicable laws and regulations. ![]() Chapter 7 and Chapter 13 Bankruptcy Filing DenialBoth Chapter 7 and Chapter 13 bankruptcy filings may be denied for discharge under certain circumstances. Here’s a brief overview of situations where discharge can be denied in each chapter: Chapter 7 Bankruptcy:
Chapter 13 Bankruptcy:
It’s important to note that the specific circumstances surrounding a bankruptcy case can vary, and the court’s decision regarding discharge denial is based on individual factors and the interpretation of bankruptcy laws. Consulting with an experienced bankruptcy attorney is crucial to navigate the bankruptcy process and ensure compliance with the requirements to avoid discharge denial. The Consequences of Frequent Bankruptcy FilingsFiling for bankruptcy can provide much-needed debt relief but frequent bankruptcy filings in New Jersey can have lasting consequences on various aspects of your financial life. Understanding these consequences is crucial when considering the option of multiple bankruptcy filings. Impact of Frequent Bankruptcy Filings on Credit ScoresFrequent bankruptcy filings can have a significant impact on your credit scores. Each bankruptcy filing will appear on your credit report, which can lower your credit score. These negative marks can make it challenging to obtain credit in the future and may result in higher interest rates on loans or credit cards. Availability of Credit After Multiple Bankruptcy FilingsAfter multiple bankruptcy filings in New Jersey, obtaining credit may become more difficult. Lenders may view frequent bankruptcy filings as a risk factor and may be hesitant to extend credit. If you are approved for credit, it is likely to come with higher interest rates and stricter terms. Rebuilding credit after multiple bankruptcies can be a gradual process that requires patience and responsible financial management. Long-Term Effects on Financial Reputation and Employment ProspectsFrequent bankruptcy filings can have long-term effects on your financial reputation and employment prospects. Some employers may conduct credit checks as part of the hiring process, and a history of multiple bankruptcies could negatively impact your chances of securing certain job positions, particularly those involving financial responsibilities or sensitive information. Additionally, landlords and potential lenders may consider your bankruptcy history when evaluating your trustworthiness as a tenant or borrower. It is essential to be aware of these potential consequences and develop a strategy to address them proactively.
Strategies for Rebuilding Credit and Regaining Financial StabilityWhile frequent bankruptcy filings can present challenges, it is possible to rebuild credit and regain financial stability over time. Here are some strategies to consider:
Rebuilding credit and regaining financial stability after frequent bankruptcy filings in New Jersey is a gradual process that requires discipline and commitment. Adopting responsible financial habits and seeking professional guidance can help you take positive steps toward rebuilding your credit and achieving long-term financial well-being. Working with a Top-Rated New Jersey Bankruptcy LawyerIf you are facing overwhelming debt or considering bankruptcy as a solution, it’s important to take proactive steps to address your financial challenges. Start by seeking the help of a skilled New Jersey bankruptcy attorney who can provide personalized guidance tailored to your specific needs. They can help you navigate the bankruptcy process, explore alternative debt solutions, and ensure you understand the laws and regulations specific to New Jersey. Furthermore, rebuilding credit is an essential aspect of recovering from financial difficulties. Work on developing responsible financial habits, making timely payments, and seeking guidance from credit counseling agencies. By taking these actions, you can rebuild your creditworthiness and regain control over your financial future. Remember, you don’t have to face your financial challenges alone. Partner with a trusted New Jersey bankruptcy attorney from Straffi & Straffi Attorneys at Law who can offer the support and experience needed to navigate the complexities of bankruptcy or explore alternative debt relief options. By taking the necessary steps, you can regain your financial stability and move toward a brighter future. Don’t wait—seek professional assistance and start your journey toward a fresh financial start today. Contact us today at (732) 341-3800 to schedule a free consultation. via Straffi & Straffi Attorneys at Law https://www.straffilaw.com/how-often-can-you-file-for-bankruptcy-in-new-jersey/ ![]()
She prescribed medications written under her relative's name and even submitted insurance claims, prosecutors say.
via Straffi & Straffi Attorneys at Law https://abc7ny.com/new-jersey-woman-arrested-ocean-county/13563514/ ![]()
Close to stunning scenery and with a welcoming atmosphere, these are the best things about relocating to Bayville, NJ...
via Straffi & Straffi Attorneys at Law https://www.we-heart.com/2023/07/28/best-things-about-relocating-to-bayville-nj/ ![]()
The Ocean County Library System has 21 branches filled with reading materials. Beat the heat and avoid cabin fever by stopping by.
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Maria F. Macburnie, also known as Marife, of Toms River is accused of using a relative's medical license to illegally treat patients.
via Straffi & Straffi Attorneys at Law https://www.app.com/story/news/crime/2023/07/27/toms-river-woman-maria-macburnie-accuest-treating-patients-no-license/70479022007/ ![]()
TOMS RIVER – A Toms River woman has been arrested for allegedly prescribing medications while being a fraudulent medical practitioner, officials said. Maria F. Macburnie, a/k/a/ Marife L. Macburnie, 62, of Toms River, was charged with Practicing Medicine by an Unlicensed Person, Forgery, Health Care Claims Fraud, and three counts of Distribution of […]
via Straffi & Straffi Attorneys at Law https://www.jerseyshoreonline.com/ocean-county/fake-medical-practitioner-arrested-in-ocean-county/ ![]()
The 62-year-old pretended to be a relative who has a medical license, the Ocean County Prosecutor's Office said.
via Straffi & Straffi Attorneys at Law https://www.nj.com/ocean/2023/07/woman-posed-as-doctor-and-prescribed-medicine-authorities-say.html |
AuthorStraffi & Straffi have long time experience assisting clients with their bankruptcy and family issues. Lawyer Daniel Straffi along with his team of legal experts offer clients with compassionate and diligent service. They are ready to assist families and individuals reach their goals. If you are looking to find an expert lawyer to help with your divorce or bankruptcy needs, contact Straffi & Straffi today at (732) 341-3800. FIND US ONLINE Bitly Box Diigo Dropbox Evernote Postach.io Histre Inoreader Instapaper lnk.bio OneDrive Onenote Raindrop.io Todoist Toodledo Trello Tumblr Weebly Wordpress Blogger Google Drive Youtube Map Related Links About.me Behance.net Dribbble.com Taplink Gravatar.com Carrd Minds Justpaste.it Issuu.com Solo.to Archives
May 2024
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