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Michael L Detzky
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Michael Detzky’s Answers

1,174 total


  • I just filed bankruptcy, chapter 7...will my credit union account be affected? I do not have any loans or credit cards with the

    will filing bankruptcy affect my credit union account. ?

    Michael’s Answer

    If you have no outstanding loans or credit cards with your credit union the bankruptcy should have no effect on your membership status.

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  • NJ traffic law -- 39:3-29 Failure to Possess Drivers Insurance Card -- Plead guilty or not guilty?

    I was pulled over and had valid license and registration on me, but not a copy of valid insurance. The car is properly insured, and was so at the time of the stop. I received a summons for Failure to Possess Drivers Insurance Card, 39:3-29. The co...

    Michael’s Answer

    No points associated with this offense. Fine only. You are not being charged with not having insurance but only with not having the insurance card in your possession.

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  • Is it possible for me to join any military branch without my documentation?

    Hello my name is Makenson Colas, I'm 18. I've been living in the United state since I was 13 years old. I graduated last year at 17 years old. Ive been coming to united state since I was a baby but as visitor, so after the earthquake in Haiti my p...

    Michael’s Answer

    I don't believe that an undocumented alien is eligible to enlist in any branch of the Armed Forced but your best source of information is your local military recruiter.

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  • Same sex green card

    Can same sex couple who are married file for their spouse to get a green card. We both live together and my spouse has a daughter before we got married.

    Michael’s Answer

    Absolutely, positively and without a doubt YES.

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  • Do you loose your property if you file for bankruptcy for tax debts?

    I owe Irs lots of taxes and I am not able to pay anymore so if I file bankruptcy in NJ will it save me from tax debt and if so would they take my house?

    Michael’s Answer

    It may be possible to discharge (eliminate) your liability for Federal & State Income Taxes in bankruptcy provided that certain facts and conditions are satisfied. This underscores the necessity to schedule an appointment to speak with a knowledgeable and experienced bankruptcy attorney in your area. Many do not charge an initial consultation fee to determine your eligibility and suitability for bankruptcy.

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  • Can Immigration deport me for refusing to take sobriety test?

    Will I be deported from the US? I went out and had a couple drinks and decided to sleep it off in my car in the parking lot. The cop asked me to take a breathalyzer test and I refused. I was charged with DUI and refusal, the prosecutor says he'll...

    Michael’s Answer

    Refusal is under the NJ Motor Vehicle Code. It is NOT a Crime and should NOT expose you to removal proceedings.

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  • Can I keep my home if I file chapter 7 Bankruptcy in New Jersey?

    I recently changed jobs and I make significantly less than I was previously making I can no longer afford to pay all my bills. I want to file chapter 7 Bankruptcy in New Jersey but I don't want to lose my home. I have about $60,000 in equity in my...

    Michael’s Answer

    Here's the formula to determine the net equity in your home. Market Value of the Home (As determined by a recent appraisal or comparative market analysis) minus, outstanding balance of any and all mortgages, minus 10-15 % of the market value to take into account anticipated "costs of sale" minus your statutory exemption of $24,200. If there is still substantial remaining equity, then filing chapter 7 would not be advisable

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  • My husband is being released from prison Aug 10 2016 is that Aug 9 at 12:00am??

    I dont know weather to pick my husband up on the ninth r tenth of the month we want to be there when he's released but the jail saying they don't have the information

    Michael’s Answer

    You should contact the public information officer at the institution where he is incarcerated to determine the correct information

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  • What repercussions should I expect for punching a guy outside of a bar?

    I was at a bar last night and I basically started an argument with these people I knew and wanted to fight one of them. He wouldn't fight me and I cooled off a bit and started to walk away when his friend called my girlfriend a vulgar name. I turn...

    Michael’s Answer

    You are facing criminal charges for assault as well as civil liability. In other words, not only can you get a criminal conviction out of this but also a financial penalty in the form of a civil judgment.

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  • How can I work and study in U.S.A. at the same time ?

    I'm an italian citizen. I'm a student and I've ever worked for my needs and pay school taxes. I want to do the same in America. Is it possible?

    Michael’s Answer

    The F-1 Student visa does not permit off campus employment.

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