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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…

8 min

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…

8 min

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…

8 min

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.…

8 min

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…

8 min

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…

8 min

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…

9 min

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…

6 min

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,…

9 min

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…

8 min

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…

9 min

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.…

9 min

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…

9 min

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…

9 min

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…

9 min

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…

8 min

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…

8 min

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…

11 min

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