Joel R Spivack’s Answers

Joel R Spivack

Cherry Hill Bankruptcy Attorney.

Contributor Level 8
  1. Husband filed for bankruptcy. Two credit cards are joint, will they come after me?

    Answered over 2 years ago.

    1. Joel R Spivack
    2. Michael James Duffy
    3. Robert N Braverman
    4. Barry J. Roy
    5. Ted A Troutman
    5 lawyer answers

    I assume your husband received a Chapter 7 discharge. If only your husband filed the bankruptcy, his discharge of debts does not relieve you of your obligation for joint debts. If you are a co-borrower on a debt, and not just an authorized of the account, then the credit card company can pursue you for payment.

    3 lawyers agreed with this answer

  2. Greetings - I have an attorney that seems to taking too much time with a chapter 7 case.

    Answered over 2 years ago.

    1. Robert N Braverman
    2. Joel R Spivack
    3. Glenn R Reiser
    4. Stuart M Nachbar
    5. Walter C Oney Jr
    5 lawyer answers

    Once a Chapter 7 Bankruptcy Petition is filed with the Court, a Case Number is issued. Within a day or two, you should receive your Notice of Filing of Chapter 7 Case from the Court which states the date, time, and place of your Meeting of Creditors. The Meeting of Creditors is usually scheduled for approximately one month after the date of the filing of the bankruptcy petition. Therefore, if you received your case number 3 weeks ago, your Meeting of Creditors should be coming up shortly. You...

    1 lawyer agreed with this answer

    1 person marked this answer as helpful

  3. Can a credit card file a jugdement for old balances

    Answered over 4 years ago.

    1. Joel R Spivack
    2. Theodore Lyons Araujo
    2 lawyer answers

    The short answer is yes, with certain restrictions. Creditors have to sue you in a court of law before they can obtain a judgment. Once a judgment is entered, they can execute against your assets. In New Jersey, the judgment also becomes a lien against real estate pursuant to State statute. There is a statute of limitations (time they have to sue you). You will have to check with your state and the time limitations vary. However, be aware that the statute of limitations can be extended. I...

    1 lawyer agreed with this answer

  4. Reaffirmation for car loan

    Answered over 2 years ago.

    1. Michael James Duffy
    2. Robert N Braverman
    3. Joel R Spivack
    4. Walter C Oney Jr
    4 lawyer answers

    If the debt was not reaffirmed in the bankruptcy, the vehicle can be surrendered and the loan company cannot seek to recover the money, only the vehicle.

  5. What is the average price for a real estate lawyers services?

    Answered over 4 years ago.

    1. Eric Barry Levine
    2. Joel R Spivack
    3. James Edward Schroeder III
    3 lawyer answers

    The cost of legal services for real estate transactions depends on the type of transaction you are looking for the attorney to handle. Generally, purchases and sales of residential real estate are charged a flat fee, which can be paid at the closing. You will have to ask each individual lawyer that you speak to about their fees. All fee agreements between yourself and a lawyer should be in writing and set forth specifically what services the lawyer will be providing to you for your fee.

  6. Judement against goods and chattels

    Answered over 4 years ago.

    1. Joel R Spivack
    1 lawyer answer

    This generally means a judgment against your household goods, furnishings, bank accounts, etc. has been entered of record with the courts and the creditor is making an attempt to collect on the judgment. A Bankruptcy proceeding can help stop an execution.

  7. I have a credit card debt and a judgement has already been issued. can i file for bankruptcy evn though i filed for it 10yrs ago

    Answered over 4 years ago.

    1. Joel R Spivack
    2. John J Scura III
    3. Timothy George McFarlin
    3 lawyer answers

    Yes you can file bankruptcy again if it has been at least 8 years since your prior bankruptcy filing. This is for a Chapter 7 or a 13. You can file a Chapter 13 if you were previously discharged in a Chapter 7 in less than those 8 years.

  8. There is was a foreclosure judgement on the property but court has no set foreclosure sale yet. Possible to file bankcrupcy..

    Answered over 4 years ago.

    1. Jeffrey B. Lampert
    2. Royce Brent Bishop
    3. Catherine Rotroff Mulcahey
    4. Joel R Spivack
    4 lawyer answers

    You can file for bankruptcy relief anytime up to the date of the Sheriff Sale. That will stop it. Please note that the answer I provided above pertains only to matters in New Jersey. I am not licensed to practice law in your state and therefore strongly suggest you contact an attorney in your area who can give you specific advice.

    1 person marked this answer as helpful

  9. Foreclosure sale, need to stop sale. have pending short sale contract

    Answered over 4 years ago.

    1. Joel R Spivack
    1 lawyer answer

    A Chapter 13 bankruptcy will stop the Sheriff Sale of the property. Please note that my response applies to matters in New Jersey. I am not admitted to practice law in your state and therefore strongly suggest that you contact a local attorney who can help you with your situation. The information provided above does not establish an attorney-client relationship and the above information is provided for informational purposes only.

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