Are New Jersey License Surcharges discharable in a bankruptcy

In New Jersey the insurance surcharges you refer to are discharge able in either chapter 7 or 13.

When a vendor we owe money to shuts it doors who are we obligated to pay?

Merely because a company has "shut down" does not relieve you of any financial obligation. Many people stop paying thinking the vendor will not...

I have substantial credit card debt from 2008 while in FL. The statue of limitations is 4 yrs there. What is my best option

You might be able to do chapter 7 successfully even with higher income. You need careful analysis of your income and expenses,and other options....

Want to file chapter 7 bankruptcy jointly, but seperate households in different counties. Which county applies in means test?

You are required to use the allowances for the county in which you live when you file bankruptcy. Since you and your wife are separate households,...

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IRA and Roth IRA & Distributions are protected from garnishment/attachment by creditors in NJ

The link you have appears to be the current statute. The statute protects all IRA's from levy or execution by creditors. Once the money is received...

Can creditor put a lien in my house for my husband debts when he is not on the deed in NY

Your question is unclear. Generally, your husband's debts cannot be satisfied from other people's property. However, if the property was previously...