by CEF | Dec 6, 2017 | General
The New Jersey State Bar Foundation has published an updated version of the Conflict Resolution Guide, a compendium of lessons for educators wishing to create a conflict resolution program in their classroom or school. The guide is part of the foundation’s goal of...
by CEF | Sep 27, 2017 | CFPB, Chapter 7, General
Any time you go into a bank and open a new account, they typically ask if you want “overdraft protection.” They tell you it is a “benefit” the bank offers its customers, but you should know that it also benefits them. Banks make a lot of money...
by CEF | Sep 9, 2017 | Pro Bono
by CEF | Aug 20, 2017 | Chapter 7, General
If you are thinking of filing for bankruptcy and have a balance sitting in a PayPal or EBay account, you must disclose it on the schedules you prepare and file with your bankruptcy petition. These accounts are just like bank accounts you have parked your money in, or...
by CEF | Mar 23, 2017 | Chapter 13, Chapter 7, General
Let’s face it — sometimes people do not make the best decisions and end up gambling at the casinos or elsewhere a little more than they should. Sometimes, those gambling debts add up and then you are facing bankruptcy. For debts that are unrelated to...
by CEF | Mar 23, 2017 | Chapter 13, General, Reverse Mortgages
You inherited a house with a reverse mortgage on it? What happens if you can’t pay it? When a person dies, the reverse mortgage on a house, including all unpaid amounts for insurance and taxes, becomes DUE IN FULL. Now you have inherited this house subject to...
by CEF | Mar 23, 2017 | Chapter 11, General, Recent Court Decisions
On March 22, 2017, the United States Supreme Court issued an opinion in Czyzewski v. Jevic Holding Corp. on “structured dismissals” in Chapter 11 bankruptcy cases and held that structured dismissals cannot be approved where they provide for distributions...
by CEF | Mar 23, 2017 | General
When a defendant is convicted of a crime in federal court he or she may be ordered to pay restitution to the victims or fines and special assessments. But collecting that money is challenging. The Financial Litigation Unit (“FLU”) of the Department of...
by CEF | Feb 24, 2017 | General, Wills
Many people put off making a will until it’s too late. According to the New Jersey Coalition for Financial Education, unofficial estimates of the percentage of Americans who never write a will range from 50% to 75% of the population! Dying without a will can result...
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