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Joel R Spivack

Joel Spivack’s Legal Guides

7 total

  • Tips for Dealing with Debt Collectors

    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 ...

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  • Consumers Once Again Turn To Credit

    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 ...

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  • Multiple Bankruptcy Filings

    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...

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  • Loan Modifications after Chapter 7 or Chapter 13 Bankruptcy Filing

    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

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  • Loan Modification Options

    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

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  • Why Most Loan Modifications Fail

    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

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  • What is bankruptcy?

    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

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