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Happy Veterans Day 2019

"On this Veterans Day, let us remember the service of our veterans, and let us renew our national promise to fulfill our sacred obligations to our veterans and their families who have sacrificed so much so that we can live free." – Dan Lipinski … [Read more...]

An S Corporation or a Limited Liability Company

What's the Best Business Structure for Your Enterprise? You're planning on starting your own business. One of the first and most important questions involves your choice of legal form. For many new business owners, the choice often comes down to a subchapter S corporation or a limited liability company (LLC). What are they and what are the … [Read more...]

Strategies for a Successful Residential Home Purchase

Making Certain You Protect Your Investment If you're like most people, you'll never make a bigger investment in anything than you will in your home. The purchase of real estate can be an extremely complex transaction, with extensive documents addressing a wide range of details. Here are some specific measures you can employ to help avoid potential … [Read more...]

Property Defects in a Commercial Lease

Can You Terminate a Commercial Lease because of a Property Defect? When you lease property, whether it's residential or commercial, you expect that the premises will be in a condition that allows you to either safely reside or conduct your business there. Though such warranties are almost never expressly stated in the language of a property lease, … [Read more...]

How Chapter 13 Can Help When You Owe Back Taxes

Reorganizing Tax Arrearages through Bankruptcy If you have significant tax debt and you've considered bankruptcy as a way to get a fresh start, you've probably learned that tax obligations are extremely difficult, if not impossible, to discharge in a Chapter 7 petition. You can, however, include tax debt in a Chapter 13 filing. That can allow you … [Read more...]

Keeping a Vehicle in a Chapter 7 Bankruptcy Filing

Reaffirming a Car Payment during or after a Chapter 7 Petition As a general rule, in Chapter 7 bankruptcy filings, you can permanently discharge certain debts in exchange for relinquishing unprotected assets to the bankruptcy court. You can always protect any property you want to keep by "reaffirming the debt." When you do that, though, you remain … [Read more...]

Chapter 13 Bankruptcy—The Basics

Reorganizing Personal Debt through Bankruptcy As we discussed in an earlier blog, there are generally two options available to individuals who seek protection in bankruptcy—liquidation under Chapter 7 and reorganization under Chapter 13. With either filing, you will immediately have the protection of the automatic stay, which prohibits creditors … [Read more...]

Chapter 7 Bankruptcy—The Basics

What Is a Chapter 7 Bankruptcy Filing? How Do You Qualify? When you're struggling to meet your financial obligations, whether you've lost your job, suffered a serious injury, been through a divorce or encountered other unexpected expenses, a bankruptcy filing can help you get back on your feet. That's why the laws are there—to give people a fresh … [Read more...]

Strategies for Collecting a Commercial Debt

Steps to Take When a Client or Customer Fails to Pay When you run a small business, it's almost inevitable that you'll have to spend some time chasing payments from customers or clients. Here are some strategies to help improve your chances of collecting that commercial debt: Notify the debtor as soon as payment is late—If you expect payment … [Read more...]

The Penalties for Driving While Intoxicated in New Jersey

What to Expect When You've Been Charged with a DWI in New Jersey In New Jersey, as in most states, if you are pulled over by police and a blood alcohol test is administered, you can be arrested and charged with driving under the influence if your blood alcohol content (BAC) is .08 or higher. You don't need to be on the road, and can even be … [Read more...]