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Eloisa V Castillo

Immigration Attorney at Union City, NJ

5.0   6 reviews
  • Licensed for 30 years
    State NJ
    Acquired 1994
    Active No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Eloisa

Learn Eloisa’s areas of practice.

  • Office Consultations only!


New Jersey Supreme Court District VI (Hudson County) Fee Arbritation Committee service:2000-2004, 2005-2009, 2011-Present

  • Panel Chair & County Chair


  • Attention N.J. Community: Truth in Renting- A guide to the rights and responsibilities of residential tenants and landlords in New Jersey


Social Security Considerations In Divorce

For divorcing couples, if proper planning is not done, the result can be significant. Below find some basic rules, some comparisons between married and divorced couples, and a few helpful hints.

Let’s start with a few basic rules for a divorced spouse to receive spousal benefits on the former spouse’s earnings:

(1) The couple must have been married for a minimum of 10 years.

(2) Both spouses must be 62 years of age or older.

(3) The applicant seeking benefits must be unmarried at the time of the application.

(4) If the applicant is under the full retirement age (FRA) and is eligible for benefits on their own, then their own benefit must be less than 50 percent of their former spouse’s benefit at FRA.

(5) If the applicant’s age is greater than FRA, they are eligible to receive spousal benefits even if their own benefit is greater than 50 percent of their spouse’s benefit at FRA.

(6) If the applicant’s former spouse has not filed for benefits at the date of the divorce, then the applicant must wait a minimum of two years from the date of divorce before they are eligible to file.

(7) Divorced spousal benefits (DSB) are excluded from the “Family Maximum Calculation,” but surviving divorced spouse caregiver benefits are included.

(8) There are no available benefits for a divorced spouse with child-in-care.

However, there are benefits for surviving divorced spouse with child-in-care.

(9) If a divorced spouse continues to work while receiving either divorced spousal or survivor benefits, the “earnings test” rules apply and may result in a reduction or elimination of benefits if received prior to FRA.

(10) If a divorced spouse, who previously qualified for DSB, gets remarried, they will no longer be eligible for DSB unless the subsequent marriage also ends. If that occurs, the divorced spouse again becomes eligible for benefits off of the first ex-spouse.

There are a few significant differences in Social Security benefits between married and divorced couples that benefit divorced spouses. For example, for married couples, the worker whose earnings record is the basis for benefits must file for benefits before the spouse becomes eligible. In contrast, a divorced spouse whose ex-spouse has not filed becomes eligible two years after the divorce has been finalized. For married couples, either spouse may have their spousal benefits reduced or eliminated based on the “earnings test.” For divorced couples, this is not the case and reductions in ex-spousal benefits due to the earnings test do not apply. A third difference is that married couples cannot both file concurrently for spousal benefits on the other, whereas divorced spouses are eligible to do so. Lastly, the benefits being received by an exspouse do not affect the benefits that a new spouse can receive.

A divorced spouse also has eligibility for survivor benefits, assuming certain criteria are met. The marriage must have had a duration of at least 10 years; the applicant for divorced survivor benefits must be 60 years of age or older (50 if they are disabled); and the applicant did not remarry before age 60. It is important to note that the “deemed filing rule” does not apply for divorced survivor benefits. This means that a divorced survivor who files for divorced survivor benefits prior to FRA and whose own benefit is greater than 50 percent of that benefit, is not required to take their own benefit. The surviving divorced spouse will not be eligible to collect divorced survivor benefits upon remarriage unless they get remarried after age 60. In other words, if a person remarries after age 60 and the ex-spouse dies, that person will be eligible to collect ex-spousal survivor benefits. If you are contemplating remarriage, there are important factors which should be taken into consideration before finalizing a divorce.

Furthermore, if the divorced survivor is caring for the decedent’s child, including an adopted child, who is under age 16 or disabled, and who is entitled to receive benefits on the decedent’s record, then the above rules for age and length of marriage do not apply. For example, assume the duration of the marriage was only five years when they divorced. At the time, the wife was 30 years old and they had two children, ages three and one. The ex-husband died one year after their divorce. To simplify things, assume that his first wife had predeceased him.

Article by: Mia V. Stollen, Michael H. Karu And Ash Ahluwalia in 6-8-15 N.J.L.J.


Are you ready for the future? . . .

. . . Its important to have everything in order:


1. Last Will & Testament

2. Power - of - Attorney

3. Living Will/ Health Care Proxy

*Plan for your retirement


Eloisa V. Castillo
2006 Kennedy Boulevard
Union City, NJ, 07087
Eloisa V. Castillo
2006 Kennedy Blvd
Union City, NJ, 07087-2028
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5.0 / 5.0
  6 customer reviews
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Posted by Gold | May 25, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Professional assistance in time for pandemic
Who knew that there would be a global pandemic? Ms. Castillo assisted my parents and I in our Estate Package (drafted Power of Attorney, Healthcare Proxy, and Last Will in Testament for each). We did this in mid-January 2020 and didn't think we were going to need to use it any time soon. This Attorney definitely knows her stuff and made us feel comfortable and secure. I highly recommend Eloisa V. Castillo, Esq., and if you have not done so yet, prepare for the future.
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Posted by Christian | September 1, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Eloisa has represented my family and I maintaining a high level of professionalism and honesty while being humane and caring from start to finish, with masterful execution. We hired Eliosa when we were undocumented and Eloisa assisted us through the whole immigration process until helping us become naturalized citizens! She delves with relentless determination to find solutions to difficult, nuanced problems with careful attention to tedious details, at a reasonable price. She did her best to make our process as smooth and successful as possible by always quickly getting back to us when we had random questions and concerns. Thank you Eloisa, my family and I are eternally grateful, you have forever changed our lives. God bless you and the work you do.
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Posted by anonymous | July 30, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Wonderful Attorney
After being out of status for over 20 years, I finally got my U.S. Residency card. Attorney Castillo applied her vast knowledge of the law and 25 years of experience in immigration to my complicated case. She was reasonable and diligent. Will definitely hire her again.
Posted by anonymous | March 15, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Excellent divorce mediator
Attorney Eloisa V. Castillo mediated our divorce, saved us thousands of dollars and lots of heartache. My spouse and I can now be better parents to our children, because her expertise and professionalism assisted us on reaching a fair and reasonable agreement.
Posted by anonymous | June 29, 2014
One of the best!
Very attentive and responsible with each and every one of her clients. She was organized and dedicated when working on my TPS/Employment Authorization application. I was approved for renewal thanks to her hard work and excellent execution. Definitely recommend to anyone who needs an Immigration/Family/Landlord-Tenant attorney!
Posted by anonymous | February 1, 2013
The best.
I had a very complicated case in family court and she helped me through it. Her expertise showed in the Court room and she worked towards an amicable resolution to my case.
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AVVO RATING 9.8 (Superb)

Work Experience

  • Attorney
  • Law Office of Eloisa V. Castillo
  • 1994 - Present


  • Fairleigh Dickinson University
  • MA - Masters
  • 1997
  • Montclair State University
  • BA - Bachelor of Arts
  • 1994
  • Seton Hall University School of Law
  • JD - Juris Doctor
  • 1990
  • Miami-Dade Community College
  • Associates in Art
  • 1981
View all education


  • Colegio Nacional of Abogados Cubanos of N.J.
  • Trustee
  • 2015 - Present
  • Hudson County Bar Foundation
  • Finance Committee Member
  • 2005 - Present
  • Hudson County Bar Foundation
  • Trustee
  • 2000 - Present
  • New Jersey State Bar Association
  • Member
  • 1998 - Present
  • Hudson County Bar Foundation
  • Scholarship Committee Member
  • 1997 - Present
  • Hispanic Bar Association of New Jersey
  • Member
  • 1996 - Present
  • North Hudson Lawyers Club
  • Trustee & Member
  • 1994 - Present
  • Hudson County Bar Association
  • Member
  • 1994 - Present
  • Young Lawyers Division of the Hudson County Bar Association
  • President
  • 1997 - 1998
  • Hudson County Bar Association
  • Trustee
  • 1997 - 2000
View all associations

Languages Spoken

  • Spanish
  • English

Honors and Awards

  • Heart of Gold
  • Hudson Perinatal Consortium of New Jersey
  • 2009
  • Young Lawyers Service to the Bar
  • New Jersey State Bar Association
  • 1999

Attorney endorsements

Received (5)
Given (2)
Endorse Eloisa
Immigration Attorney | Feb 11
Relationship: Fellow lawyer in community
"Ms. Castillo is a top-notch immigration attorney. A zealous advocate for her clients and highly respected in the legal community."
Immigration Attorney | Aug 20
Relationship: Fellow lawyer in community
"Ms. Castillo highly skilled expert in immigration matters. She has a reputation in the legal community as being a zealous advocate for her clients. I highly recommend Ms. Castillo."
Unknown Attorney | Aug 05
Relationship: Fellow lawyer in community
"I endorse this lawyer. Ms. Castillo is knowledgable, experienced, and practical. She is an excellent advisor and advocate."
Family Attorney | Mar 26
Relationship: Fellow lawyer in community
"I endorse this family lawyer. Eloisa is an attorney with a Masters in Public Administration so she applies the law while incorporating practical considerations. Eloisa is knowledgeable in the law and resolves her clients' issues both effectively and expeditiously."
Immigration Attorney | Oct 13
Relationship: Worked together on matter
"I endorse this lawyer. She is a dedicated professional who is greatly admired in her field."

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Union City Immigration Lawyer Eloisa V Castillo
Eloisa V Castillo
Immigration Attorney
Union City, NJ
Licensed for 30 years