Fanwood 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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Geraldene Sherr Duswalt

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Divorce & Family Law, Bankruptcy & Debt

Full service law firm dedicated to helping people solve their problems and move on with their lives.

I have been helping people in New Jersey and New York resolve their legal problems for twenty nine years. During this time, I have learned that infor... (more)

FREE CONSULTATION

CONTACT

800-903-7740

1812 Front Street, Scotch Plains, NJ 07076

Thomas J Crownover

Wills & Probate, Family Law, Franchising, Bankruptcy & Debt

Status:

CONTACT

1112 Watchung Avenue, Plainfield, NJ 07060

Carolyn Beth Rendell

Litigation, Intellectual Property, Corporate, Consumer Bankruptcy

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CONTACT

100 Connell Dr, Berkeley Heights, NJ 07922

Arthur A. Povelones

Collection, Estate Planning, Family Law, Litigation

Status: Licensed: 30 Years

CONTACT

673 Morris Ave, Springfield, NJ 07081

James D. Derose

Products Liability, Business, Consumer Bankruptcy

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CONTACT

53 Cardinal Dr, Westfield, NJ 07091

Charles D. Whelan

Wills & Probate, Insurance, Collection, Personal Injury

Status:

CONTACT

475 Watchung Avenue, Watchung, NJ 07069

Benjamin J. Ginter

Criminal, Bankruptcy, Bed Bug, Animal Bite

Status: Licensed: 23 Years

CONTACT

34 Forest Ave, Cranford, NJ 07016

Stephen P. Dempsey

Criminal, Business, Bankruptcy & Debt, Accident & Injury

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FREE CONSULTATION

CONTACT

99 Summit Avenue, Summit, NJ 07901

Kevin Patrick Clancy

Commercial Bankruptcy

Status: Licensed: 30 Years

CONTACT

35 Fairhill Rd, Westfield, NJ 07090

Darin D. Pinto

Consumer Bankruptcy, Foreclosure, Residential Real Estate, Bankruptcy

Status: Licensed: 34 Years

CONTACT

376 South Avenue E, Westfield, NJ 07090

800-814-6700

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LEGAL TERMS

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

FCBA

See Fair Credit Billing Act.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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Fanwood Bankruptcy & Debt Lawyer, New Jersey

Sponsored Law Firm

Schafkopf Law LLC

SPONSORED LAWYERS

Geraldene Sherr Duswalt

Thomas J Crownover

Carolyn Beth Rendell

Arthur A. Povelones

James D. Derose

Charles D. Whelan

Benjamin J. Ginter

Stephen P. Dempsey

Kevin Patrick Clancy

Darin D. Pinto

TIPS

LEGAL TERMS

DEFINED CONTRIBUTION PLAN

CURRENT MONTHLY INCOME

DISPOSABLE INCOME

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

BANKRUPTCY

FAIR CREDIT REPORTING ACT (FCRA)

FCBA

MEANS TEST

SECRET WARRANTY PROGRAM

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