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Chapter 11
When Does Subchapter V Discharge Your Debt? Timing and Requirements for PA and NJ Small Businesses
In Subchapter V, when your debt is actually wiped out depends on how the plan gets confirmed. A consensual plan can deliver…
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. It is the written document that restructures the debt, and everything after…
How Much Does a Subchapter V Bankruptcy Case Cost? PA and NJ Small Business Guide
What a Subchapter V case actually costs: the court filing fee, attorney fees, and the trustee's compensation, and what drives each of…
What Does a Subchapter V Trustee Do? A Guide for New Jersey and Pennsylvania Small Businesses
In Subchapter V, the trustee does not take over your business. The owner keeps running the company and keeps making the decisions.…
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" turns up a flood of names and a lot of identical-looking websites. What matters is whether the…
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
In November 2022, the Department of Justice and the Department of Education issued joint guidance creating a streamlined process for discharging federal…
Can you discharge student loans in bankruptcy in Philadelphia & South Jersey?
Student loans can be discharged in bankruptcy under 11 U.S.C. § 523(a)(8), but only if you prove undue hardship through a separate…
Will I lose my car if I file bankruptcy in Philadelphia & South Jersey?
Most filers keep their car in bankruptcy. The federal motor vehicle exemption under 11 U.S.C. § 522(d)(2) protects vehicle equity to a…
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 of Chapter 11 gives small business owners in New Jersey a fast, affordable path to restructure debt without giving up…
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