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Chapter 11
When Does Subchapter V Discharge Your Debt? Timing and Requirements for PA and NJ Small Businesses
Discharge is the moment in a bankruptcy case when the court formally wipes out the debts the debtor was carrying. In Subchapter…
What’s in a Subchapter V Reorganization Plan? A Guide for New Jersey and Pennsylvania Small Businesses
The plan is the heart of a Subchapter V case. Eligibility gets the business through the door, but the plan is the…
How Much Does a Subchapter V Bankruptcy Case Cost? PA and NJ Small Business Guide
The first question most owners ask about Subchapter V, after "can I keep the business open," is "what is this going to…
What Does a Subchapter V Trustee Do? A Guide for New Jersey and Pennsylvania Small Businesses
Owners who hear the word "trustee" usually picture someone showing up to take over the business. In Subchapter V of Chapter 11,…
Subchapter V vs. Chapter 7 vs. Chapter 13: Which Bankruptcy Fits Your Small Business in PA or NJ?
When a small business in Pennsylvania or New Jersey gets into trouble, the owner usually faces a stack of debt at two…
How Subchapter V Lets You Cram Down Business Debt and Keep Operating
For a small business in Pennsylvania or New Jersey carrying more debt than it can pay, the question is not always "can…
Do You Qualify for Subchapter V Bankruptcy? Eligibility Rules for New Jersey and Pennsylvania Small Businesses
If you run a small business in Pennsylvania or New Jersey and the math has stopped working, you have probably heard that…
What Happens to SBA Loans in Chapter 11 Subchapter V Bankruptcy? A Guide for New Jersey and Pennsylvania Business Owners
Chapter 11 Subchapter V treats an SBA loan as business debt handled inside the reorganization plan. The owner keeps control, and the…
Chapter 13
How to file bankruptcy in Philadelphia & South Jersey: a step-by-step guide
Filing bankruptcy is more procedural than dramatic. The U.S. Bankruptcy Code lays out a clear sequence of steps: a credit counseling course,…
Bankruptcy lawyer near me: how to choose one in South Jersey
Searching "bankruptcy lawyer near me" from a couch in Camden, Cherry Hill, Mount Laurel, or Atlantic City turns up a flood of…
How bankruptcy stops wage garnishment immediately in Philadelphia & South Jersey
Wage garnishment stops the moment a bankruptcy petition is filed. The automatic stay under 11 U.S.C. § 362 is a federal court…
Bankruptcy exemptions in Philadelphia & South Jersey: what you keep when you file
Bankruptcy exemptions decide what property you keep when you file a Chapter 7 or Chapter 13 case. Federal law under 11 U.S.C.…
How My Client Won Rule 9011 Sanctions Against a Creditor in Bankruptcy Court
A creditor that files a defective bankruptcy paper and ignores warnings can be sanctioned under Rule 9011 and made to pay the…
Chapter 7
How the DOJ’s 2022 guidance changed student loan discharge in bankruptcy
The undue hardship standard for discharging federal student loans in bankruptcy has not changed. The Brunner test still controls. What has changed…
Can you discharge student loans in bankruptcy in Philadelphia & South Jersey?
Most unsecured debt is wiped out when you file bankruptcy. Student loans are not. The Bankruptcy Code carves out educational debt under…
Will I lose my car if I file bankruptcy in Philadelphia & South Jersey?
Bankruptcy does not automatically take your car. The federal exemption under 11 U.S.C. § 522(d)(2) protects vehicle equity to a cap, and…
How My Client Won $20,000 for a Creditor’s Automatic Stay Violation
A creditor that keeps trying to collect after a bankruptcy filing violates the automatic stay under 11 U.S.C. 362(k). In In re…
Subchapter V
Subchapter V attorney in New Jersey: a small business guide to the Camden vicinage
Subchapter V is the small business reorganization track in Chapter 11. Congress added it through the Small Business Reorganization Act of 2019…
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