Saddle Brook Bankruptcy & Debt Lawyer, New Jersey

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Gary Schafkopf
About | Practice Areas
Schafkopf Law LLC
11 Bala Ave Bala Cynwyd, PA 19004» view map
Bankruptcy & Debt
We Are Here To Help You

Gary Schafkopf is a practicing lawyer in the states of Pennsylvania and New Jersey who focuses on cases in Bankruptcy & Debt, Employment, and Real Estate.

800-970-4781
1. Gary Schafkopf Bala Cynwyd, PA
  Attorney at Law- PA, 1999
  Schafkopf Law LLC
2. AboutSchafkopf Law LLC
  We Are Here To Help You
3. Practice AreasExpertise
  Bankruptcy & Debt
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Jose Raul Torres

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Real Estate, Divorce & Family Law, Criminal, Bankruptcy & Debt

José R. Torres is experienced in real estate, bankruptcy and criminal defense. He also counsels clients in customs

CONTACT

800-761-6810

129 Prospect St, Passaic, NJ 07055

Carl G. Zoecklein

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Criminal, DUI-DWI, Motor Vehicle, Bankruptcy & Debt, Real Estate

Carl G. Zoecklein, graduated from Seton Hall Law School in 1989, passed the New Jersey Bar in 1990 and became a licensed Attorney in the State of New ... (more)

FREE CONSULTATION

CONTACT

800-910-1531

737 Broad St, Clifton, NJ 07013

Virginia E. Fortunato

Reorganization, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

One Kinderkamack Road, Hackensack, NJ 07601

Alecia C. Daniel

Litigation, Corporate, Contract, Collection

Status: In Good Standing

CONTACT

25 E. Salem Street, Hackensack, NJ 07601

Myron D. Milch

Contract, Credit & Debt, Collection, Bankruptcy & Debt

Status: In Good Standing

CONTACT

433 Hackensack Avenue, Hackensack, NJ 07601

Jeremias Batista

Accident & Injury, Consumer Bankruptcy

Status: In Good Standing Licensed: 19 Years

CONTACT

417 Clifton Avenue, Clifton, NJ 07011

Franklin G. Soto

DUI-DWI, Criminal, Bankruptcy, Accident & Injury

Status: In Good Standing Licensed: 35 Years

CONTACT

434 21st Avenue, Paterson, NJ 07513

Matthew Michael Gorman

Divorce & Family Law, Bankruptcy & Debt, Motor Vehicle, Real Estate

Status: In Good Standing

FREE CONSULTATION

CONTACT

411 Hackensack Avenue, Hackensack, NJ 07601

Toni A Russo

Employment Discrimination, Divorce & Family Law, Criminal, Bankruptcy

Status: In Good Standing

CONTACT

79 Main St, Hackensack, NJ 07601

Nicholas Brindisi

Real Estate, Family Law, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 45 Years

CONTACT

1200 Rt 46 West, Clifton, NJ 07013

800-923-0641

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LEGAL TERMS

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

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Saddle Brook Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Schafkopf Law LLC

SPONSORED LAWYERS

Jose Raul Torres

Carl G. Zoecklein

Virginia E. Fortunato

Alecia C. Daniel

Myron D. Milch

Jeremias Batista

Franklin G. Soto

Matthew Michael Gorman

Toni A Russo

Nicholas Brindisi

TIPS

LEGAL TERMS

DEBIT CARD

REPOSSESSION

CREDIT INSURANCE

ABUSE

IRS EXPENSES

DISPOSABLE INCOME

GUARANTEED RESERVATION

DEBT COLLECTOR

UNDUE HARDSHIP

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