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Ronald I Le Vine
210 River St. # 11
Hackensack, N.J. 07601
(201) 489-7900
Fax:(201) 489-1395
REAL
ESTATE
WILLS & ESTATES
PERSONAL INJURY
CRIMINAL DEFENSE
BUSINESS AND CORPORATE LAW
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- PUT A FORMER JUDGE
TO WORK FOR YOU
- "Midland
Park Municipal Court 1988-1994"
- BANKRUPTCY - A FRESH
START
We
are proud to have as our lead attorney RONALD I. Le VINE, a former
judge of the Midland Park Municipal Court from 1988 to 1994. He also
has been a practicing lawyer for more than 25 years. That combination of
experience from both sides of the courtroom gives him a unique
prospective on the management and trial of cases. We encourage you
to allow us to "Put a former judge to work for you".
Are
you considering filing for bankruptcy? Are your bills piling up
so much that you can’t see an end in sight? Have you looked at other
options but nothing seems right? Bankruptcy may be the answer for
you, the FRESH START you have been looking for. It puts and end
to the harassing letter and phone calls, helps you eliminate
your debts and in most cases still allows you to keep major assets,
like your home or car.
Bankruptcy –
An Age Old Solution to an Age Old Problem:
Throughout
history, from the earliest writings in Babylon to the Old Testament
(Leviticus …) each society grappled with individuals overwhelmed by
debt. In fact The Old Testament contained a Sabbatical Year when
all debts were wiped out every seven years. In fact, the number 7
comes into America Bankruptcy Law as the Chapter 7, wiping out most
common debts.
With the current
economic situation, plunging stock market, falling house values, job
losses, predatory lending practices, many New Jersey consumers are
being helped by the Bankruptcy laws. Filing
for bankruptcy is not as uncommon as you think. You probably know
someone that did, for there were over 40,000 bankruptcies filed
last year in NJ alone.
Our
firm has helped thousands of people like you: individuals and small
businesses. Our caring staff, our experienced attorneys and our
computerized system make filing for bankruptcy easy during
this difficult period
of your life.
The Bankruptcy Laws changed in 2005. While the intention of these
changes was to make Bankruptcy less available to consumers, we are
pleased to report that most cases are still being approved, although
the process has become more complicated. For that reason, anyone
contemplating a solution to debt problems should consult a competent
lawyer with experience in Personal Bankruptcy.
What Alternatives Are
Available to Bankruptcy:
Unfortunately, just as predatory lenders took advantage of consumers
to ensnare them in debt, there are companies lurking to take
advantage of people overwhelmed by debt. They offer to reduce debt,
negotiate with creditors, save your home or perform some other
wanted task. Unfortunately, most promises are unmet other than
charging high fees.
True non-profit agencies, such as Consumer Credit Counseling
Service, Inc., have and continue to perform valuable service in
working out a Debt Management Program, whereby the creditors are
paid back in full, with reduced interest, over 4 or 5 years.
Others masquerade as non-profits and such companies have been shut
down by the Federal Trade Commission and NJ Attorney General.
Perhaps the most abusive are “debt adjusters”, which offer to settle
debts for reduced sums and charge a percentage, usually 25%, of the
savings. The consumer pays into the plan a monthly amount calculated
to pay the estimated settlement and fee, but the first payments go
to the debt adjuster as its fee leaving nothing to pay creditors for
many months. Most realize the folly of such arrangement and stop
paying.
One fact that is rarely explained is
that IRS Tax Law makes debt reduction as income, and the creditor
must send you a 1099 for any reduction over $600. Many have been
shocked to find a large tax bill April 15th after paying
large amounts to settle debts.
We
are one of just a few firms in North Jersey that run frequent seminars
on Bankruptcy Chapters 7 & 13 and offer free brochures on the
subject. For more info call us now, e-mail us, click on Bankruptcy
Chapter 7 or Chapter 13 or click on “Contact Us”. Click HERE
now to receive a free brochure.
- Free Initial Consultation
for All Personal Bankruptcy Matters
- Free Bankruptcy Brochure
-
Days
and Evening Appointments
Available
- CALL 201-489-7900
- Reasonable Rates
- No Fee Unless Recovery for
Personal Injury Cases
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The Law Offices of
Ronald I LeVine serving counties of Bergen, Passaic, Hudson and
Northern NJ. Towns of Hackensack, Paterson, Teaneck, Englewood,
Lodi, Garfield, Passaic, Elmwood Park, Clifton, Fair lawn and
Paramus.
Legal
disclaimer: This web site has been
prepared by the Law Offices of Ronald I. Le Vine in the hope that it
will assist you in becoming debt free through the Bankruptcy process.
It gives information of a general nature and is not a substitute for
competent legal advise. The viewer is advised to consult an attorney-at-law
for legal advise as to his /her specific
situation.
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This site was last
updated
03/14/12 |
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