Joel R Spivack’s Guides

Joel R Spivack

Cherry Hill Bankruptcy Attorney.

Contributor Level 8
  1. Tips for Dealing with Debt Collectors

    Written by attorney Joel Spivack, over 1 year ago.

    People all across the country are struggling in this economy. Unemployment and foreclosure rates remain high, and an aging population is ending up with mounting medical bills that they cannot cover. As if dealing with all these bills andcredit card debtisn't difficult enough for ...

  2. Consumers Once Again Turn To Credit

    Written by attorney Joel Spivack, about 2 years ago.

    American consumers have had a long and complicated love affair with credit cards. On one hand, credit cards help people pay for major purchases that would otherwise be unaffordable. On the other, using cards too much - or not paying them off like you're supposed to - can lead to ...

    1 person found this Legal Guide helpful

  3. Multiple Bankruptcy Filings

    Written by attorney Joel Spivack, almost 3 years ago.

    Filing a Subsequent Chapter 7 or Chapter 13 Bankruptcy Article provided by New Jersey Bankruptcy Attorney - Law Office of Joel R. Spivack With our country still in the midst of the Great Recession, it is becoming more common for people to find themselves in need of additional b...

    1 person found this Legal Guide helpful

  4. Loan Modifications after Chapter 7 or Chapter 13 Bankruptcy Filing

    Written by attorney Joel Spivack, over 4 years ago.

    Loan Modifications after Chapter 7 or Chapter 13 Bankruptcy Filing Effective June 1, 2010, mortgage servicers can no longer deny a HAMP loan modification to borrowers in active chapter 7 and 13 cases

    11 people found this Legal Guide helpful

  5. Loan Modification Options

    Written by attorney Joel Spivack, over 4 years ago.

    Reduce Interest Rate This will lower your monthly payment. Remember that interest is paid first, then principal, so you really aren't saving money in the long run, just making it more affordable for

    2 people found this Legal Guide helpful

  6. Why Most Loan Modifications Fail

    Written by attorney Joel Spivack, over 4 years ago.

    The borrower does not have sufficient cash flow Not enough cash flow to support reduced payments Appraised value of property is below loan to value ratio Appraised value is below the loan to value r

    2 people found this Legal Guide helpful

  7. What is bankruptcy?

    Written by attorney Joel Spivack, almost 5 years ago.

    Prior to Bankruptcy Filing You must receive budget and credit counseling from an approved credit counseling agency within 180 days before your bankruptcy case is filed with the federal bankruptcy cou

    1 person found this Legal Guide helpful

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