Brenner Spiller & Archer

Navigating the Bankruptcy Maze: How Often Can You File for Consumer Bankruptcy?

Bankruptcy is often seen as a financial lifeline for individuals facing overwhelming debt. While it can provide a fresh start, there are rules in place to prevent abuse of the system. One of the most common questions people ask is, “How often can a person file for consumer bankruptcy?” In this article, we’ll delve into […]

Addressing Rental Arrears in a Chapter 13 Bankruptcy

Rental arrears – a term that can send chills down the spine of any tenant. Unpaid rent can lead to a cascade of problems, including eviction, legal actions, and damaged credit scores. But there’s a light at the end of the tunnel, and it’s called Chapter 13 bankruptcy. In this article, we’re going to dive […]

Navigating the Mortgage Maze After Bankruptcy, Foreclosure, or Short Sale

The journey to homeownership can be riddled with financial challenges, and for some, bankruptcy, foreclosure, or a short sale may become part of their financial history. While these events can be daunting, they do not necessarily spell the end of your dreams of homeownership. Different types of mortgages, including conventional, FHA, VA, and USDA loans, […]

How Long Will Filing Chapter 13 Bankruptcy Delay My Foreclosure?

When you’re facing financial difficulties, bankruptcy can seem like a scary option. When bankruptcy is looming, you may be focused on protecting your home. If your goal is to prevent or delay foreclosure on your home, Chapter 13 bankruptcy may be the right filing for you.  Unlike other types of bankruptcy, Chapter 13 bankruptcy is […]

The Automatic Stay: But What If a Creditor Violates This Potent Legal Protection?

Filing bankruptcy provides several protections to debtors, including the automatic stay. This is an automatic injunction that begins the moment the bankruptcy petition is filed, prohibiting creditors to collect debts from someone who has declared bankruptcy. In addition, an automatic stay immediately stops most civil lawsuits filed against you, prevents the disconnection of water, electric, […]

4 Steps to Complete a Short Sale

A short sale occurs when a lender or mortgage company agrees to accept less money than the outstanding mortgage to satisfy a debt. Short sales can be beneficial for both parties in a mortgage since it is typically in the interest of the property owner and the lender to avoid foreclosure. Since a lender will […]

New Jersey Sues OxyContin for Fraud

A lawsuit against Purdue Pharma has been filed by the State Attorney General’s office, claiming the OxyContin manufacturer practiced deceptive marketing. OxyCodone, sold by Purdue under the brand name OxyContin, is a narcotic used to treat moderate-to-severe pain and known for being highly addictive. State Attorney General Christopher Porrino is accusing Purdue Pharma of making […]