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December 2016 Archives

Chapter 13 can help New Jersey residents avoid foreclosures

In today's difficult financial climate, there are all sorts of reasons a New Jersey resident could encounter a seemingly hopeless situation. Exorbitant credit card interest rates, unexpected injury or illness resulting in unforeseen medical bills, the loss of a job … any of these things, or others, could mean massive amounts of debt without an obvious means of payment, and fear of losing cars, or even homes to foreclosures. This is where Chapter 13 bankruptcy can help people find relief, without having to worry about the loss of assets such as their home.

How Chapter 7 can work for some in New Jersey

Whether it's due to unpaid medical costs, compounding credit card bills or some other type of debt, many New Jersey residents may be feeling overwhelmed and hopeless. There are different types bankruptcy to address specific situations. Despite the fact that Chapter 7 is more commonly filed than any other type of bankruptcy, many people don't know enough about the process to decide whether it's the best option for them.

The FDCPA and debt collection rights

If you have a significant amount of debt and you are unable to pay it off, one of the most unpleasant and unnerving things you can possibly hear is a debt collector demanding that you repay a debt. Fortunately, the federal government has established acts that determine what is considered acceptable behavior for debt collectors. This act is known as the Fair Debt Collection Practices Act.

Bankruptcy: Alternative to drawing on New Jersey retirement funds

A common misconception is that people use – or misuse – the option of declaring bankruptcy as a way to get out of paying credit card debts they've irresponsibly racked up. Financial experts believe, however, that is not the typical scenario. In New Jersey and across the country, a personal health care crisis is a leading cause of bankruptcy filings. When a medical crisis occurs, many people resort to early withdrawal from a retirement account, though this is not likely the best option.

New Jersey consumers may need debt relief around holiday season

The holidays tend to be the most stressful time of year for a number of reasons, not the least of which is finances. Most people want to give their family, friends and loved ones a wonderful holiday but, in doing so, may end up with unplanned credit card debt. New Jersey residents may unexpectedly find themselves in need of debt relief when suddenly faced with unpleasant issues such as wage garnishment or collection calls.

Bankruptcy in New Jersey: Chapter 7 versus Chapter 13

When debts have piled up to an overwhelming degree, filing for bankruptcy can offer a way out for New Jersey consumers. Some important decisions will need to be made before filing, starting with choosing from two different types of personal bankruptcy options: Chapter 7 and Chapter 13. There are some distinct differences between the two proceedings.


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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
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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
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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
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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
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