Elissa Westbrook Smith – McDowell Riga Posternock, PC

Chapter 13 Confirmation Hearings

In a Chapter 13 case, the debtor’s repayment plan must be confirmed by the bankruptcy court before it is permanent and effective. Before a plan is confirmed, creditors and other interested parties may object to its terms. If a…more

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OOPS! You forgot to list a creditor…now what?

When you file a bankruptcy case, the law requires that you include every creditor in your filing. A debtor is not allowed to "pick and choose" which debts are included in the case. In fact, intentionally omitting certain debts…more

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Holiday OverSpending & Bankruptcy

Holiday OverSpending & Bankruptcy With the holidays approaching, most people are stressed about their finances and the long list of gifts they need to buy. It is common for people to decide they will spend what they need for…more

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Bankruptcy Retainer Agreements

When you meet with an attorney to discuss filing your bankruptcy case, she will have your review and sign a retainer agreement. A written bankruptcy retainer agreement is required by the law. The agreement should set forth the…more

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How to Spot a BAD Bankruptcy Attorney!

If you are considering filing for bankruptcy, proceed with caution when it comes to hiring an attorney to represent you. Not all attorneys are equal. In fact, not all lawyers are qualified to handle bankruptcy cases. Thus, it…more

| Bankruptcy

Chapter 13 Confirmation Hearings

In a Chapter 13 case, the debtor’s repayment plan must be confirmed by the bankruptcy court before it is permanent and effective. Before a plan is confirmed, creditors and other interested parties may object to its terms. If a…more

| Bankruptcy

4 Steps to Keep Student Loans from Overwhelming You

If you are in college, it is likely that you have taken out student loans to help pay for it. The average college student graduates owing approximately $25,000 or more in student loans, in addition to their credit card debt! …more

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Protect your identity!

Protecting your identity is harder in today’s world of technology. However, it is worth the effort to insure that your financial security is not put in jeopardy. It is always important to monitor to your credit reports for any…more

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7 Debts that are NOT Discharged in Bankruptcy

When you file a successful bankruptcy case, the majority of your debts are discharged or eliminated. However, it is important for debtors to understand that certain debts are exempt from discharge under the law. In other…more

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3 Tips For Rebuilding Your Credit After Bankruptcy

One of the biggest concerns people have about filing bankruptcy is how it will affect their credit score. It is true that your credit score will take a hit, but with time and effort, you can rebuild your score. Below are a few…more

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What’s keeping you from filing bankruptcy?

Many people who are struggling financially have a tough time admitting they need to file for bankruptcy protection. Once the decision is made however, most of our clients admit that dreading the filing was much worse than…more

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Bankruptcy Exemptions in New Jersey

It is common for debtors to worry about losing their assets if they file for bankruptcy protection. However, the law protects debtors by exempting certain property. Examples include your vehicle (up to a certain value),…more

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