Waltzer Law Group

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(201) 234-8384Call Visit WebsiteVisit Website Map & DirectionsDirections15 Warren StHackensack, NJ 07601 Write a ReviewWrite Review

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Don't suffer any longer - get out of debt now! Free Consultations! Payment Plans! The attorneys at Waltzer Law Group want to get you a fresh start. Call us today! Whether you are a business owner, a property owner, or live on a fixed income - Waltzer Law Group will treat you with the respect you deserve and get you out of debt quickly and affordably. Tired of creditors harassing and threatening you? Worried about wage garnishments and frozen bank accounts? Call Waltzer Law Group today for a free consultation! You do not have to face this alone. Let Waltzer Law Group help you become debt free - call us to get started!

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Phone: (201) 234-8384

Address: 15 Warren St, Hackensack, NJ 07601

Website: Waltzer Law Group - Become Debt Free Today!

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Waltzer Law Group

Divorce
Child Support
The plan need not pay unsecured claims in full as long it provides that the debtor will pay all projected “disposable income” over an “applicable commitment period,” and as long as unsecured creditors receive at least as much under the plan as they would receive if the debtor’s assets were liquidated under chapter 7. 11 U.S.C. § 1325. In chapter 13, “disposable income” is income (other than child support payments received by the debtor) less amounts reasonably necessary for the maintenance or support of the debtor or dependents and less charitable contributions up to 15% of the debtor’s gross income. If the debtor operates a business, the definition of disposable income excludes those amounts which are necessary for ordinary operating expenses. 11 U.S.C. § 1325(b)(2)(A) and (B). The “applicable commitment period” depends on the debtor’s current monthly income. The applicable commitment period must be three years if current monthly income is less than the state median for a family of the same size – and five years if the current monthly income is greater than a family of the same size. 11 U.S.C. § 1325(d). The plan may be less than the applicable commitment period (three or five years) only if unsecured debt is paid in full over a shorter period.
Spousal Support
A debtor may make plan payments through payroll deductions. This practice increases the likelihood that payments will be made on time and that the debtor will complete the plan. In any event, if the debtor fails to make the payments due under the confirmed plan, the court may dismiss the case or convert it to a liquidation case under chapter 7 of the Bankruptcy Code. 11 U.S.C. § 1307(c). The court may also dismiss or convert the debtor’s case if the debtor fails to pay any post-filing domestic support obligations (i.e., child support, alimony), or fails to make required tax filings during the case. 11 U.S.C. §§ 1307(c) and (e), 1308, 521.

Traffic Violations

Personal Injury
Such as a home mortgage ), debts for alimony or child support, certain taxes, debts for most government funded or guaranteed educational loans or benefit overpayments, debts arising from death or personal injury caused by driving while intoxicated or under the influence of drugs, and debts for restitution or a criminal fine included in a sentence on the debtor’s conviction of a crime. To the extent that they are not fully paid under the chapter 13 plan, the debtor will still be responsible for these debts after the bankruptcy case has concluded. Debts for money or property obtained by false pretenses, debts for fraud or defalcation while acting in a fiduciary capacity, and debts for restitution for damages awarded in a civil case for willful or malicious actions by the debtor that cause personal injury or death to a person will be discharged unless a creditor timely files and prevails in an action to have such debts declared non-dischargeable. 11 U.S.C. §§ 1328, 523(c); Fed. R. Bankr. P. 4007(c).

Bankruptcy
Before I go further, I have to state that whatever your financial difficulty, it is strongly advised by the judges, trustees and anyone who is knowledgeable about the Chapter 13 bankruptcy process that you get an excellent bankruptcy attorney to handle your case.
Foreclosure
Also called bank freeze ), law suits, foreclosures and all other creditor actions. Chapter 7 is also called a “straight bankruptcy”, or liquidation, or ‘fresh start bankruptcy’. The other most common kind of bankruptcy is Chapter 13. Chapter 13 is a repayment plan. Nobody who could do a Chapter 7 would want to do a Chapter 13 or a Debt Settlement plan.

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