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Before You Sign a Personal Guaranty for a Business Debt in New Jersey

Jul 31, 2026

You formed an LLC or corporation partly to separate your business obligations from your personal finances. Then a landlord, lender, equipment company, supplier, or other creditor places a personal guaranty in front of you. You might be told that the guaranty is standard, that every business owner signs one, or that it will never matter as long as the company pays on time. At the same time, you may be under pressure to sign quickly...

Insurance Company Says Your Injury Was Preexisting After an Accident?

Jun 30, 2026

After an accident, one of the most discouraging things an insurance company can say is that your injury was already there. Maybe you had back pain before. Maybe you had arthritis in a knee or hip. Maybe you had an older injury that had improved or a condition you were managing before the crash or fall. But after the accident, things were different. Before the accident, you were getting through your normal routine. Afterward, the...

Breach of Contract in NJ: Should Your Business Send a Demand Letter, Negotiate, or File Suit?

May 30, 2026

A breach of contract can disrupt your business quickly. A customer does not pay. A vendor misses a delivery deadline. A contractor performs incomplete work. A business partner ignores contractual obligations. A service provider fails to do what the agreement requires, leaving your company to manage the financial and operational fallout. When that happens, the first question is not only, “Do we have a claim?” It is also, “What is the right next move?” For...

Injured at a Store, Parking Lot, or Business in New Jersey? What You Need to Prove a Premises Liability Claim

Apr 30, 2026

A routine stop at a grocery store, restaurant, shopping center, medical office, parking lot, or other South Jersey business can become overwhelming in an instant. One moment, you are going about your day. The next, you may be hurt, embarrassed, unsure what caused the accident, and worried about what will happen next. For many people in Voorhees, Camden County, and throughout South Jersey, the stress does not end when they leave the property. You may...

Got a Traffic Ticket in New Jersey? Why Paying It Could Be a Costly Mistake

Mar 27, 2026

It happens fast. You see flashing lights in your rearview mirror, pull over, and a few minutes later, you are holding a traffic ticket in your hand. For many drivers in New Jersey, the first instinct is simple: just pay it and move on. We understand why. You are busy. You may be worried about missing work, taking time away from your family, or making the situation more stressful than it already feels. If the...

Received a Demand Letter in New Jersey? What to Do Next

Feb 27, 2026

Opening your mail or inbox and seeing the words “demand letter” can make your stomach drop instantly. It might come from a competitor, a former partner, a landlord, a vendor, or an attorney, but the message often feels the same: a business dispute is now on paper. If you run a business in New Jersey, that moment is not just stressful. It is disruptive. You may be asking yourself what the letter really means, whether...

When Real Estate Deals Go South: Protecting Your Interests When a Contract is Breached

Jan 30, 2026

You have spent weeks, perhaps even months, searching for the perfect property or the right buyer for your business location. The inspections are done, the financing seems secure, and the closing date is circled on your calendar. Then the process suddenly hits a wall. Calls go unanswered, and emails are ignored. A buyer fails to secure their mortgage. In some transactions, that may be a breach. In others, the contract’s financing contingency may allow the...

Your Customer Has Not Paid In 60 Days, Now What?

Dec 30, 2025

When a customer has not paid in 60 days, the problem usually stops feeling temporary. Instead, it starts affecting payroll, inventory, and your ability to plan ahead. At the same time, the longer the balance sits, the easier it becomes for the other side to stall, dispute, or disappear. The good news is that you can take organized steps right now to remedy this situation. Even better, these steps can improve your chances of getting...

Tailgating in South Jersey: Why Following Too Closely Behind Trucks Is Especially Dangerous in Winter

Nov 19, 2025

Winter brings unique challenges to South Jersey’s roadways, especially for drivers sharing lanes with large commercial trucks. Snow, sleet, black ice, and reduced visibility create dangerous driving conditions across the region. But one behavior becomes even more hazardous this time of year: tailgating, or following too closely behind a truck. If you were a passenger injured in a crash where the driver of your vehicle was tailgating a commercial truck, you may still have options...

How South Jersey Small Businesses Can Avoid Equipment-Leasing Pitfalls Before They Become Legal Disputes

Oct 29, 2025

Understanding the Role of Equipment Leases in South Jersey Businesses For many small businesses in South Jersey, leasing equipment is a practical solution that allows owners to operate efficiently without making large upfront purchases. From restaurant ovens and office printers to medical devices and construction machinery, leasing can help preserve cash flow and support business growth. At the Law Offices of Howard N. Sobel, P.A., based in Voorhees, NJ, we regularly help South Jersey business...