The Cassidy Law Firm Blog

Friday, November 14, 2014

New Jersey Attorney Harold J. Cassidy’s Remarks Given at the University of Notre Dame

Introduction

I would like to thank the students of Notre Dame for inviting me to share some of my thoughts today about the greatest human rights violation of our time.  I would especially like to thank you for your introduction and your kindness in refraining from telling any lawyer jokes.

I enjoy opportunities to speak, though I can rarely accept them.  But I am not partial to the lawyer jokes.

I was once invited to speak at a convention in Rome, Italy, and I made that trip thinking I was secure in the belief that the lawyer jokes were a uniquely American phenomena.


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Thursday, November 13, 2014

How Does Filing for Chapter 7 Bankruptcy Affect A Cosigner?

If You Have Concerns or Questions About How Filing for Chapter 7 Bankruptcy Can Affect a Cosigner Contact the Cassidy Law Firm for a Free Consultation with an Experienced Monmouth County Bankruptcy Attorney

What happens when you file for a Chapter 7 bankruptcy and you have a cosigner on some of your debt?  Chapter 7 bankruptcy will only eliminate the debt of the petitioner and not that of a cosigner.

Your cosigner is held liable for your debt if you default on the loan. Whether or not a Cosigner will be harmed when you file for bankruptcy depends on the type of Bankruptcy you choose to file. Although Chapter 7 bankruptcy can alleviate your debt problems, the debt burden will fall upon your cosigner. You may want take steps to protect your cosigner, especially if they are a friend or relative. When a cosigner is involved alternatives to Chapter 7 bankruptcy should be considered.


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Monday, November 10, 2014

Can I Eliminate or Avoid Liens on My Property if I file for Chapter 7 Bankruptcy?

To Find out If You Can Eliminate or Avoid Liens on Your Property Contact the Cassidy Law Firm for a Free Consultation with an Experienced Monmouth County Bankruptcy Attorney

In some cases it is possible to eliminate liens which are attached to your property when you file for Chapter 7 bankruptcy.  Lien avoidance is a process by which you ask the bankruptcy court to eliminate or reduce liens on certain types of exempt property. This procedure can allow you to discharge large amounts of debt and/or keep property. Lien avoidance must be requested in a special legal proceeding in your bankruptcy case. If steps are not taken to petition for lien avoidance, the lien will not be eliminated and will still exist after a chapter 7 bankruptcy has been finalized.


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Thursday, October 30, 2014

Can I Transfer Property Before Filing Chapter 7 Bankruptcy?

Many People Considering Filing for Bankruptcy Ask the Question: Can I Transfer Property Before Filing Chapter 7 Bankruptcy?

Prior to filing for Chapter 7 Bankruptcy it may be tempting to transfer your property to friends or relatives in order to protect the property from creditors. Unfortunately, transferring your property may cause you harm as it could result in serious consequences that range from making you ineligible to file for Chapter 7 Bankruptcy for a period of time to losing your property and having your Bankruptcy case dismissed.


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Monday, July 7, 2014

Can Taxes Be Discharged in Bankruptcy?

There are a seemingly endless number of causes of financial troubles; however, one debt that can grow large enough to be a major source of financial struggles is a tax debt. Once you get behind on taxes the debt seems to take on a life of its own, growing at an unbelievable rate. If your delinquent tax debt is part of a bigger picture of financial troubles it may be time to consider bankruptcy as a long-term solution. Be sure to consult with an experienced New Jersey bankruptcy attorney, however, before moving forward to discuss what tax debts, if any, can be discharged through bankruptcy. Often, when you file for bankruptcy plays a major role in determining whether or not tax debts are dischargeable.


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Thursday, July 3, 2014

What Is Bankruptcy?

“What Is Bankruptcy?” Unfortunately, there are a number of myths and misconceptions about bankruptcy in the United States. Many of these myths and misconceptions cause debtors to shy away from considering bankruptcy when they are in financial trouble. Hesitating often means a debtor loses valuable assets that could have been saved through bankruptcy. If you find yourself in a situation where the bills continue to pile up and you see no end in sight it might be time for you to consider bankruptcy. A better understanding of bankruptcy and the bankruptcy process may help you make the decision.


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Wednesday, June 25, 2014

Mortgage Reaffirmation in a Chapter 7 Bankruptcy

If you are one of the millions of Americans struggling with debt that you have no realistic way of paying off it may be time to consider filing for bankruptcy protection. Over the last several years the number of bankruptcy petitions filed in the United States has reached historic levels, sue in large part to the recession the country as a whole has suffered through. If you have been reluctant to consider filing bankruptcy because you are concerned you will lose all your hard-earned assets in the process it is time to learn more about chapter 7 bankruptcy and the New Jersey exemptions. Once you understand how the exemptions can be used to your benefits you will likely be ready to pursue bankruptcy as a possibly long-term solution to your financial problems.


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Wednesday, June 25, 2014

New Jersey Bankruptcy Exemptions

If you are one of the millions of Americans struggling with debt that you have no realistic way of paying off it may be time to consider filing for bankruptcy protection. Over the last several years the number of bankruptcy petitions filed in the United States has reached historic levels, due in large part to the recession the country as a whole has suffered through. If you have been reluctant to consider filing bankruptcy because you are concerned you will lose all your hard-earned assets in the process it is time to learn more about chapter 7 bankruptcy in Monmouth County and the New Jersey bankruptcy exemptions.


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Tuesday, June 17, 2014

Monmouth County Business Bankruptcy – What You Need to Know

Fortunately, in the 21st century no one goes to debtor’s prison when they are unable to pay their bills. Even a business can file for bankruptcy protection when it becomes clear the business cannot remain afloat without pursuing bankruptcy. If you own a small business and are struggling financially just to keep the business afloat it may be time for you to consider bankruptcy. A business may file chapter 7 just like an individual debtor can.


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Thursday, June 12, 2014

Monmouth County Chapter 13 Bankruptcy: How Is the Amount of My Plan Payment Determined?

Over the past several years the number of bankruptcy filings across the United States has reached record levels. If you are considering bankruptcy you undoubtedly have a number of questions about the process and life after bankruptcy. Only an experienced Monmouth County bankruptcy attorney can answer specific questions about your situation; however, some general information may be helpful in the meantime. For example, if you file a Monmouth County chapter 13 bankruptcy you will need to submit a proposed repayment plan to the bankruptcy trustee. Understanding how your repayment plan payment is determined is certainly useful if you are considering bankruptcy.


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Tuesday, June 10, 2014

How Do I Stop Wage Garnishment in Monmouth County?

If you are like the average American you count on every penny you receive in your weekly paycheck. If you realize that a substantial chunk of your paycheck is missing one week, therefore, it can be a substantial blow to your budget. This actually happens to hard working people like you every day in Monmouth County, New Jersey because of an old debt. When a creditor obtains a judgment against you, the creditor may then proceed to use all lawful means available to execute on the judgment, including garnishing your paycheck. One way to stop garnishment is by filing for bankruptcy protection.


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