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July 2016 Archives

Chapter 7 or Chapter 13? The means test will determine

New Jersey consumers who are contemplating filing for bankruptcy may not be aware of the federally mandated means test that has to be completed as the first step in the process. Many people are unsure about whether to file for Chapter 7 or Chapter 13 bankruptcy, but this not the choice of the debtor. The results of the means test will determine for which Chapter the person qualifies.

Which bankruptcy chapter can stop foreclosures?

When times are hard and debts have become overwhelming, New Jersey homeowners may want to explore the available options. The primary effort for many will likely be to prevent foreclosure. Those with concerns may learn that personal bankruptcy can stop foreclosures, but choosing the most suitable option may require professional advice and guidance.

Which credit card debt settlement plan is most effective?

It has been reported that the average American family pays $2,000 in credit card debt interest every year. This is an indication of the level of debts carried by families nationwide, including in New Jersey. There will never be a shortage of advice on eliminating credit card debt, but professionals suggest two options that are said to be most effective.

Certain charges and fees can increase credit card debt

Some consumers in New Jersey may struggle to manage their credit cards merely because they do not understand the terms used for the different charges. Cards may be subject to charges of which the owner may not even be aware. To effectively manage credit card debt, a knowledge of how it works may prevent getting deeper into debt.


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  • NACBA | National Association of Consumer Bankruptcy Attorneys
  • NACA | National Association of Consumer Advocates
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Goldman & Beslow, LLC

Goldman & Beslow, LLC is a Federal Debt Relief Agency by an Act of Congress. We have proudly assisted consumers seeking relief under the U.S. Bankruptcy Code for over 38 years.

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7 Glenwood Avenue,
Suite 311B
East Orange, NJ 07017
East Orange Law Office

Phone: 973-414-8069
Phone: 973-419-7631
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
Fax: 973-675-5886
E-mail the firm

NEWARK OFFICE 168 Bloomfield Avenue
Newark, NJ 07104
Newark Law Office

Phone: 973-483-1333
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
E-mail the firm

PATERSON OFFICE 100 Hamilton Plaza,
Suite 405
Paterson, NJ 07510
Paterson Law Office

Phone: 973-247-9445
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
E-mail the firm

JERSEY CITY OFFICE 26 Journal Square,
Suite 603
Jersey City, NJ 07306
Jersey City Law Office

Phone: 201-659-6226
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
E-mail the firm

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