Personal Bankruptcy

We hear this question a lot from clients who live in condominiums or communities that require the homeowner to be a part of a home owners association (HOA) to share communal maintenance fees. And if they don’t ask we let them know anyway.
Unfortunately, the answer is yes.
HOA fees are fees that arise from a contract [...]

Through bankruptcy, a debtor can stop wage garnishments, foreclosures, lawsuits and harassing phone calls from creditors. But not everyone qualifies to file for bankruptcy. Bankruptcy attorney Benjamin Ginter, who runs the Law Offices of Benjamin J. Ginter in Cranford, New Jersey, talks here about the factors involved to help you decide whether to file or [...]

Student Loans in Bankruptcy
Some Californians in financial trouble due to job loss, unexpected medical expenses, family upheaval, or some other reason have the additional problem of sinking under the weight of large student loans. Student loans, although they doubtless seemed like a necessary investment at the time, become very difficult to pay back in times [...]