Don't Let Debt Catch Up With You
Be Prepared
Special Needs Law • Bankruptcy • Personal Injury
Special Needs Law
On May 17, 1954, the United States Supreme Court decided the...
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Chapter 13 Bankruptcy
All Bankruptcies are governed by Title 11 of the United States Code.
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Chapter 7 Bankruptcy
All Bankruptcies are governed by Title 11 of the United States Code.
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Personal Injury
If you or a member of your family has recently been in an accident,...
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New Jersey Bankruptcy Lawyer
The time is coming when those past due bills and months of rent or mortgage payments will need paid. Unfortunately, these days it's more commonly reported that many people are unable to pay their bills even with a brief grace period that has been provided during Covid-19. Unemployment in New Jersey was at 3.7% in November 2019 but jumped to 15.3% in April 2020. During these economically uncertain times, many individuals are desperate to unburden their expanding debts and have a fresh start. The devastating economic impact COVID-19 has had on the New Jersey economy can be felt in communities all across the state. More people are beginning to ask hard questions about how to stabilize their finances and get through another economic downturn, and filing for bankruptcy may be the answer. Whether you think you need to now or later, don't wait to think about your finances until it's too late. Make a plan now for your financial future.
We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.
Bankruptcy, Chapter 7 and 13 Lawyers and Attorneys in Livingston and New Jersey
- Do you require assistance with securing proper educational programs and services for a special needs child?
- Are you struggling with financial issues and contemplating bankruptcy?
- Have you been the victim of a car accident?
If you answered yes to any of these questions, you deserve top-notch legal counsel and Attorney Stuart M. Nachbar is here to assist you.
At the Law Office of Stuart M. Nachbar (recognized as an “AV Preeminet” Firm by LexisNexis / Martindale-Hubbell), we have a few specialized areas of practice. Our primary areas of practice include Bankruptcy, Special Needs Advocacy, personal injury and accident litigation. Our office is conveniently located in the Township of Livingston, In Essex County, New Jersey. We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.
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Special Needs Advocate
We represent families with Special Needs children as an Advocate fighting for your child's rights and assisting families with Special Needs concerns before both the local School Districts, as well as, Administrative Law Judges. We have extensive experience representing families with special needs and disabilities. There are several laws in place, including The Individuals with Disabilities Education Act (IDEA) (1975) that protect the rights of individuals with disabilities. These laws allow a child with Special Needs to obtain the appropriate services or accommodations through the public schools that they require in order to facilitate their learning in the least restrictive way possible. While public knowledge of special needs has grown over the past 10 years, children with special needs often have their rights overlooked. Our Special Needs attorney in Livingston, New Jersey regularly works with the School Districts and represents families before both the School District and Administrative Law Judges in order to ensure these laws are upheld. Our goal is to improve the life of these children with disabilities by ensuring that their right to free, appropriate and fair education is fully protected.
We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.
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Medical Debt
There are two types of debts: secured and unsecured. Secured debts are those that are backed by collateral, such as a car loan. Unsecured debts are those that aren't backed by collateral, such as utility bills and credit cards. Medical bills are considered unsecured debts, which are dischargeable in a Chapter 7 bankruptcy, which means you may not have to pay them at all. If you file for a Chapter 13 bankruptcy then you will be on a payment plan that your attorney will help you to arrange. If you received treatments that were not covered by health insurance, then call our offices now. Medical debts are actually very common, but many people feel too overwhelmed to take action. These problems don't go away and will only worsen with time, so call us today to schedule your consultation.
We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.
Why You Shouldn't Wait
When a debt has not been paid then a collection agency is hired to handle the delinquent account and try to establish a payment plan with the debtor. When the debtor does not respond to calls or otherwise doesn't pay the debt or work out a payment plan, the debt gets turned over to a law firm. At that point, a lawsuit may be filed to collect the debt owed, and this is important not to ignore. Each state has its own set laws on how to handle these cases.
It's important to never ignore collection phone calls and/or notices sent by mail. You are only delaying the inevitable when you ignore these notices. And delaying will also cost you more money, as most of the time the debts are legitimate. You may face wage garnishments, repossessions, and foreclosures when you don't take action to resolve your debts. Once a suit has been filed, you have to act quickly or your assets could be in danger of being seized, especially "liquid" assets, or those that can be easily converted into cash.
Additionally, you may face additional fines and even imprisonment if you fail to follow up with the law firm. Not replying to their requests for payment will result in a de facto admission of guilt, and you don't want this judgment. This has serious implications for your financial future.
We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.
Why You Need A Bankruptcy Attorney In New Jersey
Our attorneys have a lot of compassion for our clients. It is our job to help you and work with you to efficiently resolve your case, so call the Law Office of Stuart M. Nachbar today. The world of bankruptcy has a lot of complications, twists, and turns, so having a highly-experienced attorney on your side is vital.
We can help you navigate important state laws relevant to people in New Jersey such as the Homestead Benefit program. Your attorney can also explain to you the New Jersey bankruptcy exemptions, which is the property you can protect from creditors when you file for bankruptcy. Additionally, in the Garden State, there are non-dischargeable debts.
Even if you file a Chapter 7 or Chapter 13, these debts will not be discharged and you will be responsible for paying them. If you're in Livingston, New Jersey and need a bankruptcy attorney, then call us at the Law Office of Stuart M. Nachbar to schedule your consultation. We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.
Non-dischargeable Debts
Child support back payments
Alimony
Student loans
Traffic tickets
and any other fines for law violations
Tax debt
Debt owed due to wrongful death or personal injury
that resulted when the debtor was driving while intoxicated
Collection Matters
Additionally, at the Law Office of Stuart M. Nachbar, P.C., we handle collection matters and have regularly appeared in Municipal Courts in towns located in Sussex, Morris, Passaic, Essex, Bergen, Union, Hudson, Middlesex and Somerset County, New Jersey.
You can trust Stuart M. Nachbar's experience in major legal practice areas such as Personal Injury, Bankruptcy, Municipal Court, Special Needs Law, Education Law, Debtor-Creditor Litigation, Accidents, and Collections.
For further information please use our contact form or send an email to stuart@snanj.com and we will get back to you as quickly as possible. For immediate attention please call us at (973) 233 4049.
Thank you for choosing the Law Office of Stuart M. Nachbar, P.C.
Turn to the Law Office of Stuart M. Nachbar, P.C. today to schedule a no-obligation consultation so we can discuss the best approach to your case. We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.
