Hainesport Bankruptcy & Debt Lawyer, New Jersey, page 2

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Gracy Wynter
About | Practice Areas
Hulse & Wynter, LLC
1624 Jacksonville Road Suite 1 Burlington, NJ 08016Â» view map
Bankruptcy & Debt Law
40 Years of Experience

The attorneys at Hulse & Wynter offer reliable legal solutions to individuals and businesses in the areas of real estate, family, probate, bankruptcy and business law.

800-611-9690
1. Gracy Wynter Burlington, NJ
  Attorney at Law - NJ, 1998
  New England SOL, J.D. 1998
2. AboutHulse & Wynter, LLC
  Representing the interests of New Jersey clients
3. Practice AreasExpertise
  Bankruptcy & Debt
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Craig Anthony Ambrose

Traffic, Credit & Debt

Status: Licensed: 32 Years

CONTACT

49 Rancocas Road, Mount Holly, NJ 08060

Janet L. Sozio

Occupational Safety & Health, Family Law, Bankruptcy, Medical Malpractice

Status: Licensed: 43 Years

CONTACT

1 Trinity Lane, Mount Holly, NJ 08060

Warren S Jones

Bankruptcy & Debt, Landlord-Tenant, Collection

Status:

CONTACT

1 Trinity Lane, Mount Holly, NJ 08060

Nicolas Gordon Rotsides

Real Estate, Lawsuit & Dispute, Criminal, Bankruptcy & Debt

Status: Licensed: 11 Years

CONTACT

203 High Street, Mount Holly, NJ 08060

Travis J. Richards

Landlord-Tenant, Bankruptcy, Real Estate

Status:

CONTACT

141 High St, Mount Holly, NJ 08060

Jaimie Finberg

Bankruptcy

Status:

CONTACT

Mount Laurel, NJ 08054

Todd Unger

Tax, Bankruptcy

Status:

CONTACT

Mount Laurel, NJ 08054

Laura Neville

Business, Bankruptcy, Gay & Lesbian Rights

Status:

CONTACT

Mount Laurel, NJ 08054

Judith Wizmur

Bankruptcy

Status:

CONTACT

Mount Laurel, NJ 08054

Rhondi Schwartz

Bankruptcy

Status:

CONTACT

Mount Laurel, NJ 08054

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LEGAL TERMS

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

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.

FDCPA

See Fair Debt Collections & Practices Act.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

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.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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Hainesport Bankruptcy & Debt Lawyer, New Jersey, page 2

Sponsored Law Firm

Hulse & Wynter, LLC

SPONSORED LAWYERS

Craig Anthony Ambrose

Janet L. Sozio

Warren S Jones

Nicolas Gordon Rotsides

Travis J. Richards

Jaimie Finberg

Todd Unger

Laura Neville

Judith Wizmur

Rhondi Schwartz

TIPS

LEGAL TERMS

CREDIT COUNSELING

CHAPTER 13 PLAN

COLLECTION AGENCY

CURRENT MONTHLY INCOME

FDCPA

BULK SALES LAW

UNDUE HARDSHIP

DEFINED CONTRIBUTION PLAN

LOSS DAMAGE WAIVER (LDW)

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