• How To Keep Your Utilities On During Bankruptcy

    • By Brenner Spiller & Archer, LLP

      January 7th, 2019

    Can My Utilities Be Shut Off During Bankruptcy? Not right away, but you need to take steps to make sure your utilities stay on even if you can’t afford to pay your bills. What qualifies as a utility? Gas (Heating and AC) Water Electricity Telephone Cellphone Internet Section 366(a) Protection There’s a part of the [..]

  • 4 Benefits of Chapter 13 Bankruptcy

    • By Brenner Spiller & Archer, LLP

      December 26th, 2018

    It’s very common for people to have money problems. You might be surprised to hear that thousands of people file for bankruptcy every year. A couple of the most common forms of bankruptcy are Chapter 7 and Chapter 13. Many people choose Chapter 7 when they’re open to liquidation, but you might be interested in [..]

  • What is Automatic Stay in Bankruptcy?

    • By Brenner Spiller & Archer, LLP

      December 11th, 2018

    Being in debt is hard. It’s even worse when debt collectors hound you every day. To the collectors, it’s only a job and nothing personal. But to you, it feels like harassment. Despite the fact that there is a law in place that’s supposed to keep you from being called at certain times and while [..]

  • Why Bankruptcy Doesn’t Always Erase Student Loan Debt

    • By Brenner Spiller & Archer, LLP

      November 26th, 2018

    Filing for bankruptcy can be a difficult and frustrating time in your life, and any obstacles can only increase stress. Our lawyers will always try to help guide you through the process, but don’t be surprised if you read that student loans may not count in your bankruptcy. Student Loans in the US The first US student loans [..]

  • How to Re-File for Bankruptcy in New Jersey

    • By Brenner Spiller & Archer, LLP

      November 6th, 2018

    You’ve probably heard that you can’t file for bankruptcy more than once. This isn’t true. There is no law that says you can only file for bankruptcy one time. However, it can be complicated and you should work with an experienced bankruptcy attorney to help you. The two most common types of bankruptcy people file [..]

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