My name is Virginia E. Fortunato and I’ve been practicing NJ bankruptcy for more than ten years now.  This area of the law requires creativity in designing individual plans for my clients to achieve the FRESH financial start they deserve.  Whether you can afford to save your home or need guidance giving up a home you can no longer afford, I am there to counsel and assist you through the process.  Most of my clients are good and honest debtors who typically find themselves in my office because of things beyond their control.  Clients often tell me, “This is the last place I ever thought I’d be,” and I am proud to help them achieve a fresh start.

Call 911 for your New Jersey bankruptcy emergency

Don’t fall into the trap of trying to pay your debt off through credit consolidation companies only to find it doesn’t work. You end up paying these companies exorbitant fees only to have to file bankruptcy at the end of the day — after spending hundreds or even thousands of dollars.

Never be ashamed of bankruptcy. Did you know many rich and famous people have filed for bankruptcy?  Michael Jackson, Henry Ford, Mike Tyson, Larry King, Walt Disney and yes Donald Trump all filed for bankruptcy. Look at your financial circumstances like a business would. Filing bankruptcy is a business decision at the personal level. You need to wipe-out debt so that you can begin rebuilding your future with a Fresh Start.

nj bankruptcy lawyer

Bergen County Bankruptcy Lawyer
One Kinderkamack Road

Hackensack, NJ 07601

Saturday & evening appointments available upon request

How do i create a thesis statement

The phorum is the put for exchanging suggestions, information, practical guidelines, assistance, and advice with your fellow sample master thesis proposal and dissertation tourists. Re unsure regarding your last draft; obtain guidance from a dissertation advisor for thesis improvement or matter range, or maybe have one of our dissertation writers craft an primary dissertation for you. Thesis proposal writing is a crucial ability to learn, mainly because it will determine whether your thought might be acknowledged and irrespective of whether you’ll manage to move forward along with your study.

Thesis Is Not A Question

Thesis assertion: partial start abortion is murder of harmless infants and an abomination to fundamental human legal rights and values. This example might be a robust thesis statement, since it really is not evident at the outset glance the war of 1812 automatically brought about the civil war in any way. The two types of hypothesis tests are according to diverse difficulty formulations. A powerful history thesis subject matter should be concise and in depth, or even the issue make a difference will probably be much too intensive to deal with inside a one investigation. They are able to satisfy the need for thesis help on line to pick the suitable methodology. Ve invested loads of important classroom time educating thesis statements, but your lesson just isn’t concluded without instructing your students tips on how to consider their writing. Each individual scholar i am aware experienced for making revisions to their thesis determined by opinions from their committee. Students talk to us various thoughts like make me a thesis statement, give me a thesis assertion, and compose my thesis statement, alpha thesis maker hold the ideal achievable remedy for your personal concerns. Ll understand that the match among the articles and thesis is actually a fantastic a single when just about every paragraph instantly refers to and develops some element of your thesis.

Collecting his feelings about the thesis method would preserve him the trouble of reciting the same advice to college students each year. Working with distinctive plagiarism detection software, we provide authentic and considered one of a kind thesis creating solutions. Good thesis writers have certain characteristics that you can validate from consumer responses. The null hypothesis was which the girl had no these kinds of skill. If you can, present learners excellent examples of thesis statements, as well as bad illustrations. Your thesis assertion will guideline your entire composition, and is maybe the single most critical component of composing a good composition. Thesis statement with good study and excellent tips! To an idealized null speculation that proposes no romantic relationship involving two details sets. The thesis you put ahead equating leftist get-togethers has the same credibility because the joke about hitler and stalin. Our rewards are expertise, dedication to excellence, very affordable price ranges, flexible lower price programs for normal clients, and availability of huge orders from our thesis crafting support. Producing down a preliminary thesis will get you on the right track and power you to give it some thought, build your tips even more, and explain the information from the paper. Your thesis could be the most significant section of your respective producing. That you are from time and energy to publish your educational work, employ the service of our experienced thesis writer. Show the reader how this complete paragraph connects again for the thesis assertion.

Had To Write A 30 Page Thesis

Working with diction within a thesis statement is important. Require help composing a thesis statement on, pets tend to be treated like surrogate kids. Just about every theses chapter has an goal with the reader, our thesis writers will deal with each theses chapter uniquely making sure that you need to do not have to have any thesis help from other resources. Ve inferred, the operating thesis would come to be the final thesis, on the basis of which a reader could foresee sections of your essay to come. Definitely will need support creating a thesis on bystander apathy, my title is bystander apathy is often a major psychological phenomenon. The important thing to crafting the best thesis assertion is making sure that it’s not apparent into the reader prior to studying your paper. Then condition your thesis, which may be performed in one or even more sentences. Kloosterman presented his doctoral thesis to the university of leiden in 1924. The thesis statement will be the sentence that states the main thought of a writing assignment and can help manage the strategies within just the paper.

To reinforce your thesis definition, your assertion ought to be described as being a precise or uncertain one particular. With thesis 2, we offer you a basic choice industry exactly where you could paste your verification code without having ever opening up a file or pondering about code. Be aware the distinction concerning this next thesis as well as to start with 1, where by the author fully commited himself to no involvement in the debate in any respect. The assignment might not ask to get a thesis assertion for the reason that it might be assumed which the author will incorporate one particular. Thesis issue is important simply because it introduces concentration for your analyze, and is particularly the crucial element element in every thesis.

Can I keep my car if I am financing it at the time I file for Bankruptcy in New Jersey?

A reaffirmation agreement allows a person who files for bankruptcy to keep certain secured debt by removing it from the bankruptcy making it a debt that would not be discharged in the event of default on the loan.  This article specifically addresses the reaffirmations process as it relates to the financing of a car.

By executing a reaffirmation agreement, you will be agreeing to be held liable under the terms of the original contract, including but not limited to the obligation to make payment of unpaid principal, interest, fees and other costs associated with the reaffirmed/assumed debt.****

reaffirmation-agreementIn certain circumstances, you may be required to appear before the court to testify as to your ability and desire to continue making payments on the reaffirmed debt.  The agreement may not be approved by the court.   You are not required by law enter into this agreement and can rescind (cancel) the agreement at any time before the bankruptcy court enters your bankruptcy discharge.

If you enter into this agreement and you default on the reaffirmed debt after the bankruptcy case is completed, the creditor can repossess the car and sue you for any deficiency.   If you do not enter into this agreement, your property may be repossessed and that debt would be discharged in bankruptcy.

Some creditors will allow you to retain possession of your property even if you do not enter into the agreement as long as you continue to make payments (this is referred to as a “pay and drive” option).  When the Bankruptcy Law changed it removed the “pay and drive” option from the law and in its place required car owners who file bankruptcy to enter into a reaffirmation agreement.  Even companies that have allowed car owners to pay and drive after filing bankruptcy there is no guarantee its policy will not be changed after the case is closed.  If you do not enter into the agreement and and you maintain the collateral and continue to make payments, the lender may not report post-bankruptcy payments to the credit reporting agencies.  If you do not enter into this agreement, you may not receive account statements and may not be able to make automatic payments on the account.


Who should I bank with if I have debt or I am thinking about filing bankruptcy in New Jersey?

In the process of preparing your bankruptcy petition, you will be asked to provide information concerning banks and other lending institutions that you transact with.  In our experience, we have come to learn that certain institutions will freeze or levy client bank accounts upon receiving notice of a bankruptcy filing.  While we believe this conduct is illegal and in violation of the U.S. Bankruptcy Code, the institutions continue this conduct despite warnings and the imposition of sanctions from the Court for doing so.  As such, we provide the following guidelines to our clients:

  1. Never bank with an institution that you owe money to.
  2. If you are currently banking with a creditor that you owe money to (i.e. – you have a savings account and a credit card with the same institution and the credit card has a balance), you must immediately close the bank account.
  3. Never open a bank account with a bank that you may get a credit card from in the future (no matter how good the terms).
  4. Never, ever, bank with “Wells Fargo Bank”. This includes opening bank account, obtaining credit cards or taking loans.  This lender has been reprimanded and sanctioned several times for conduct found to be harmful to consumers.  Furthermore, Wells Fargo will freeze your account upon filing even if you do not owe them any money.
  5. Never give any creditor permission to debit your account automatically.  Instead, you can use bill pay through your bank and manually click a button to process payment.




FREE Consultation

Your Name (required)

Your Email (required)

Your Tel # (required)


Your Message




Click for the BBB Business Review of this Attorneys & Lawyers - Bankruptcy in Hackensack NJ