East Brunswick 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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Evan N. Pickus

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Real Estate, Estate, Bankruptcy & Debt

Upon graduation from the Benjamin N. Cardozo School of Law at Yeshiva University in New York, classmates Evan N. Pickus and Howard S. Landsberg sought... (more)

FREE CONSULTATION

CONTACT

800-871-7810

802 Ryders Lane, East Brunswick, NJ 08816

Jeffrey Brown

Adoption, Property & Casualty, Bankruptcy & Debt, Residential Real Estate, Child Support

CONTACT

4 Cornwall Drive, East Brunswick, NJ 08816

Michael Scott Simon

Divorce & Family Law, Bankruptcy, Bankruptcy & Debt, Accident & Injury

Status: Licensed: 30 Years

CONTACT

216 Highway 18, East Brunswick, NJ 08816

Gerald D Goldstein

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

Status: Licensed: 58 Years

CONTACT

One Coachman Ct, East Brunswick, NJ 08816

Michelle S. Green

Real Estate, Litigation, Corporate, Collection

Status: Licensed: 27 Years

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522 Route 18, East Brunswick, NJ 08816

James F Clarkin

Real Estate, Government, Civil & Human Rights, Bankruptcy & Debt

Status: Licensed: 48 Years

CONTACT

86 Washington Ave, Milltown, NJ 08850

Robert C. Nisenson

Power of Attorney, Land Use & Zoning, Estate, Bankruptcy & Debt

Status:

CONTACT

10 Auer Court, East Brunswick, NJ 08816

Wayne Ian Christie

Litigation, Estate Planning, Workers' Compensation, Bankruptcy

Status: Licensed: 37 Years

CONTACT

10 Auer Court, East Brunswick, NJ 08816

Henry Chudzik

Commercial Real Estate, Bankruptcy

Status: Licensed: 42 Years

CONTACT

3G Auer Court, East Brunswick, NJ 08816

Nicholas Khoudary

Divorce & Family Law, Business, Bankruptcy & Debt, Accident & Injury

Status: Licensed: 37 Years

CONTACT

700 Route 18, East Brunswick, NJ 08816

800-814-6700

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LEGAL TERMS

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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East Brunswick Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Schafkopf Law LLC

SPONSORED LAWYERS

Evan N. Pickus

Jeffrey Brown

Michael Scott Simon

Gerald D Goldstein

Michelle S. Green

James F Clarkin

Robert C. Nisenson

Wayne Ian Christie

Henry Chudzik

Nicholas Khoudary

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LEGAL TERMS

CHAPTER 13 BANKRUPTCY

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

DISCHARGEABLE DEBTS

DOING BUSINESS AS (DBA)

HOUSEHOLDER

INTEREST

TRUTH IN LENDING ACT (TILA)

GRACE PERIOD

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