Must I still pay my Homeowner’s Association dues if I’m filing for bankruptcy?

Yes, no and maybe so. The answer depends on several factors. First, do you intend to try to keep the property? Also, is there a lien against the property for the unpaid dues? Did the unpaid dues accrue prior to filing or after? Are you the actual owner of the property? What chapter of bankruptcy will you be filing? Let’s discuss. In New Jersey, association dues for property you own generally are a personal obligation. Meaning, you (as the property owner) owe the money, regardless of what happens with the property. You can be sued for the unpaid dues and…

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I’ve been sued by my credit card company. Is there anything I can do?

Yes! Most people don’t realize they have options to either avoid or reduce the amount of a possible judgment for which they have been sued by a credit card company or other creditor. Unless, of course, you ignore it. Don’t do that! Even with minimal effort, you can create a great deal more leverage for yourself negotiating a more favorable outcome. If you are sued in NJ by creditor or collection agency on behalf of a creditor, you have rights. First, you have a right to defend the lawsuit. You do that by filing an answer (a response) to the…

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The Law Offices of Laura S. Mann, LLC–New Location!

I am excited to announce that the Law Offices of Laura S. Mann, LLC has a new location, effective March 1st. The office now is located for your convenience at the Bearfort Shopping Village, 1618 Union Valley Road, 2nd Floor, West Milford, NJ.  Please update your records accordingly. Thank you and I look forward to seeing you and serving you at our new location!

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Are litigants in civil domestic violence matters in NJ entitled to court-appointed attorneys?

In the recent decision in the case of D.N. V. K.M., the NJ Appellate division, in a published opinion yesterday (1/24/13) rules that indigent parties in a domestic violence case seeking or defending against a restraining order are NOT entitled to a court-appointed attorney. You can read the full-opinion here: http://www.judiciary.state.nj.us/opinions/a3021-11a3022-11.pdf

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Disability and Federal Student Loan Forgiveness

A brilliant article written by my esteemed colleague, Matthew Stoloff, Esq. on how to get relief from student loan debt if you’re disabled. He graciously invited me to contribute to the article clarifying some of the issues’ nuances. See full article Disability and Federal Student Loan Forgiveness.

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