FREE CONSULTATION (201) 478-7412
1 University Plaza - Suite #412 Hackensack, NJ 07601
201-478-7412
Attorney for the Financially Stressed
Stop Harassing Phone Calls and
Make Those Nasty Bill Collectors Pay You Money!
- Have you received any harassing phone calls from a bill collector?
- Has a bill collector used profane or abusive language with you?
- Has a bill collector threatened to have you arrested or accused you of committing a criminal act?
- Has a bill collector attempted to contact you at work after being told to stop calling you?
- Has a bill collector said anything that made you feel scared, threatened, or afraid?
If you answered "Yes" to any of the questions above, you may be entitled to collect money damages from the bill collector.
The Law Offices of David Giller, LLC
can help you explore and leverage the following options:
- Consumer Bankruptcy (Ch. 7 or Ch. 13)
- Credit Card Settlement
- Debt Settlement
- Fair Credit Reporting Act Violations
- Fair Debt Collection Practice Act Violations
- Tax Settlement (IRS, NJ, NY)
- Foreclosure Defense
- Foreclosure Mediation
What Is Bankruptcy?
Bankruptcy is a legal proceeding in which a person who can not pay his or her bills can get a fresh financial start. The right to file for bankruptcy is provided by federal law, and all bankruptcy cases are handled in federal court. Filing bankruptcy immediately stops all of your creditors from seeking to collect debts from you, at least until your debts are sorted out according to the law.
What Can Bankruptcy Do for Me?
Bankruptcy may make it possible for you to:
- Eliminate the legal obligation to pay most or all of your debts. This is called a “discharge” of debts. It is designed to give you a fresh financial start.
- Stop foreclosure on your house or mobile home and allow you an opportunity to catch up on missed payments. (Bankruptcy does not, however, automatically eliminate mortgages and other liens on your property without payment.)
- Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed.
- Stop wage garnishment, debt collection harassment, and similar creditor actions to collect a debt.
- Restore or prevent termination of utility service.
- Allow you to challenge the claims of creditors who have committed fraud or who are otherwise trying to collect more than you really owe.
What is Foreclosure?
Foreclosure is when the lender takes possession of the loan’s collateral in order to sell it when the borrower cannot pay back. For example, the bank where you borrowed money to purchase the house, can take possession of the house when the mortgage is not paid.
Non-judicial foreclosure: Since the lender already owns the property, technically they can proceed to sell it. It is typical and usually required to give the borrower a Note of Default informing the borrower that he/she has a specified amount of time (usually 60 to 90 days) to repay the loan up to date before the lender can sell the house. After that time the lender can give a Note of Trustee informing the borrower that he/she indeed intends to sell the property (usually 21 days notice).
Judicial Foreclosure: In New York and New Jersey, we have a more formal and complex process for foreclosure, called "Judicial Foreclosure." In Judicial Foreclosure, the lender must sue the borrower in state court in order to proceed on the foreclosure of the property.
Causes of Foreclosure
- Failing to make payments
- Failing to pay for forced insurance: the borrower is forced to cover certain insurance costs.
- Failure to pay advances for payment of taxes: the mortgage company can advance the property taxes onto the mortgage.
Deficiency Judgments: If the sale of the collateral in foreclosure (usually a home) is not sufficient to pay the mortgage, the lender can charge the borrower the difference.
Proper help: Typically, a borrower dealing with foreclosure needs professional assistance. It is best to hire an attorney and not a consultant. Consultants often take money from the borrower and fail to deliver. It is most advantageous to find an experienced attorney who is familiar with the local court rules, processes and strategies in responding to foreclosure lawsuits.
Send Us Your Contact Info
and We Will Call You!
For your convenience, you can simply provide us with your contact information and we will call you to schedule your initial FREE phone consultation.
Next Step
With so many alternatives to managing debt, it is important to discuss all of your options with an experienced and knowledgeable professional.
Call us at 201-478-7412, or fill out the form below, to schedule an initial FREE phone consultation.
Our first conversation will simply be to talk about your financial situation and identify the best solution to fit your circumstances.
Whether you qualify for bankruptcy, need to respond to a foreclosure or other lawsuit from a creditor, we will provide you with valuable information for you to make an informed and educated decision that is most appropriate for your situation.
With so many alternatives to managing debt, it is important to discuss all of your options with an experienced and knowledgeable professional.
Call us at 201-478-7412, or fill out the form below, to schedule an initial FREE phone consultation.
Our first conversation will simply be to talk about your financial situation and identify the best solution to fit your circumstances.
Whether you qualify for bankruptcy, need to respond to a foreclosure or other lawsuit from a creditor, we will provide you with valuable information for you to make an informed and educated decision that is most appropriate for your situation.