Skip to main content
Joel R Spivack
Avvo
Pro

Joel Spivack’s Legal Guides

9 total

  • Getting Off To A Good Start When You File Chapter 13 Bankruptcy

    Tips for getting a good start in your Chapter 13 Bankruptcy proceeding Good Start The first three months of a Chapter 13 bankruptcy are the most critical. Try to file your bankruptcy no later than the

    Read more 

  • How to Fix your Credit Report after Bankruptcy

    You are ready to restart your financial life after you complete your bankruptcy. This guide sets forth the steps to correct and update your information with the credit bureaus. The dispute process est

    Read more 

  • 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 ...

    Read more 

  • 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 ...

    Read more 

  • 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...

    Read more 

  • 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

    Read more 

  • 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

    Read more 

  • 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

    Read more 

  • 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

    Read more