In layman’s terms, the goal of filing a Chapter 7 bankruptcy is to give yourself the opportunity to have a fresh start, without the burdens of your crushing debt. This is accomplished through a process called “discharge”. Discharge is the actual process of wiping away many of the debts that you owe – but not all of them. There are some debts that are not dischargeable, and some creditors that are guaranteed to get the money that they are owed.  Much of understanding the specific impact of filing for Chapter 7 bankruptcy lies in evaluating all of the debts that …Read More ➡

The last thing you need when you’re drowning in debt is a bunch of confusing terminology that make your issues even more complicated. But understanding who you can turn to and trust is important – that’s why you need to know what a “federally designated debt relief agency” is, and what they are not.  According to the Bankruptcy Act of 2005, “Debt Relief Agency” refers to absolutely anybody that provides you with assistance in filing a bankruptcy case or who gives bankruptcy advice. The person or entity does not need to have any kind of special certifications or education, and …Read More ➡

In the state of New Jersey, divorces fall into two different categories: those where there are grounds for divorce and those that are considered no-fault divorces. The grounds for an at-fault divorce are things like desertion, adultery, drug or alcohol abuse or institutionalization. By contrast, no-fault divorces are those where couples state that there is no chance of them reconciling or that they have lived apart for a minimum of 18 continuous months. In theory, no-fault, or “uncontested” divorces should be easy and inexpensive – after all, if you both agree that there is no patching up the marriage, you …Read More ➡

Everyone knows somebody with a horror tale to tell about their Pennsylvania divorce. They can go on endlessly about the big attorneys’ fees incurred following hours of arguments over custody of the kids, or how they spent weeks arguing over the antique that they bought together on their honeymoon, or how much spousal support was appropriate. The more issues that need to be resolved and the more litigation the couple insists on, the longer the process takes and the more complicated it gets – especially in Pennsylvania, where each of these areas are addressed separately in court. But what happens …Read More ➡

Being in debt is one of life’s most stressful and frustrating experiences. Whether you have made the mistake of racking up big credit card bills or have been thrust into debt by circumstances beyond your control, one of the most worrying outcomes of getting behind in your bills is the very real possibility that your wages could be garnished by your creditors. A wage garnishment is when your employer receives a legal notice from the county clerk’s office informing them that they have to send a portion of your wages to one of your creditors. Whether you owe student loans, …Read More ➡

One of the truer things you are likely to be told as you embark on your divorce journey is that the only ones who get rich are the divorce attorneys. Anybody who has been through a bitter divorce is likely to have stories of the day that they realized that every time they called their attorney with a complaint or question, they were being billed for their lawyer’s time, and those billable hours can really add up – especially when there are a lot of issues that need to be addressed. Not only is divorce litigation expensive, the adversarial nature …Read More ➡

Every healthy birth is an occasion for hope and celebration, and births with complications are occasions for heartache. New parents pore over inch of their infant, counting fingers and toes and remarking over every yawn, sneeze and stretch, while parents whose children’s births have been traumatic are thrust into a nightmare world of medical testing, specialists and emergency treatments. Though some birth injuries and defects are immediately apparent, others do not make themselves known until days, weeks, and even months later. How can an inexperienced parent who has no medical training tell whether their child has been hurt in the …Read More ➡

Many of us have been in the position of seeing flashing lights behind us – or perhaps ahead of us at a sobriety checkpoint – and feeling a pang of panic. Will that one glass of wine you had with dinner count against you? Did you have too much to drink at the happy hour? Are you going to be charged with a crime? When you’ve been accused of driving under the influence, you generally have more questions than answers. Working with an experienced DUI/DWI driver is your best option. At Reinherz Law, we have extensive knowledge about the laws …Read More ➡

When people who have been through a bankruptcy proceeding look back on their decision, they say that one of the most important driving forces was the calls that they were getting from debt collectors. Anybody who has gotten themselves into serious trouble with money knows what this feels like – the phone rings incessantly and the people on the other end are threatening, mean and relentless. They say that they are going to take your car and your home, and say they will call your employer and garnish your wages. In the face of this type of intimidation, it is …Read More ➡

Although the housing crisis that struck homeowner’s in the United States was at its peak several years ago, there are still many Americans who are suffering its aftereffects. People are finding themselves facing the very real prospect of losing their homes to foreclosure and having to make unthinkable decisions. Many believe that they have few or no options. But both the state of New Jersey and the federal government have taken several positive steps to try to help people who are in this situation. There are mortgage modification programs that can provide you with the chance to improve your situation. …Read More ➡