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NJ  201-342-0405

NY  212-330-8153

 

 

 

 

 

Tenancy

The relationship between landlords and tenants in New Jersey is highly regulated. Landlords are required to comply with many rules, and it is surprising how many people (even many attorneys) don’t realize what can and can’t be done. We are familiar with all of the requirements of the landlord-tenant law, and can help guide you through the process to make being a landlord as trouble-free as possible.

 

Wills
 

Everyone should have a will.  Without a will, your property will pass, upon your death, not in accordance with your wishes, but in accordance with the law.  Without a will, the courts will determine the guardianship of your minor children.   Having us prepare your will is neither difficult nor expensive, but it will insure that your wishes are carried out after your death and that there are no unnecessary complications at a difficult time for your family.
 

 

Power of Attorney
 

A power of attorney is a document in which you state that you give someone else (usually a relative or friend) the authority to make certain decisions and act on your behalf.  Executing a power of attorney does not mean that you can no longer make decisions; it just means that another person can act for you, as well.  Without a power of attorney, a lengthy and expensive court proceeding will be required to have someone appointed to take care of your affairs if you are unable to do so.  Having this simple document prepared now can save a lot of trouble later on.


Living Wills

This is the casual designation for what is formally referred to as an "Advance Directive and Health Care Proxy".  It is important to have a living will as it informs your health care providers and your family about your desires for medical treatment in the event you are not able to speak for yourself.   It also designates a person to the authority to make health care decisions for you in the event you are incapacitated.  Without a living will, in the event of your incapacity, any decisions about your treatment will be made by the courts, not by your designee, and your wishes may not be honored.

 

Estate Administration
Upon the death of a relative, there are many legal requirements to transfer the assets of the deceased to the heirs.   We can help you through this confusing and stressful time. We guide you through each stage of the process from initial appointment to final distribution and can take on as much of the work as you need us to.

 

Bankruptcy 

 

Filing bankruptcy can be a very difficult and confusing time in a person’s life, but with the help of Gloria Law Firm LLC, it doesn’t have to be that way. If done correctly, filing bankruptcy can be a big first step toward financial recovery, and our attorneys will do everything they can to make sure you get a fresh start.

There are two common types of bankruptcy that an individual may file: Chapter 7 bankruptcy and chapter 13 bankruptcy. Chapter 7 is called liquidation and is the most common type of bankruptcy. Liquidation involves the appointment of a trustee who collects the property of the debtor in order to sell it so that creditors can be paid with the proceeds. Having all of your assets sold in order to pay off creditors can be a scary thing, but there are certain types of property that are exempt from being liquidated. We can help you in applying for exemption of certain assets. Your income and expenses will be analyzed to determine whether you will be eligible for Chapter 7 or Chapter 13 bankruptcy. As required by law, we will apply a means test to your average income for a 6 month period prior to filing bankruptcy and will compare this figure with the median income in New Jersey. If your income is below the median, then you may choose Chapter 7 bankruptcy.

Chapter 7 bankruptcy is a quick way to financial recovery, although it may seem harsh to have all your assets liquidated. If your attorney advises you to sign a reaffirmation agreement, you could retain your more important personal property by continuing to pay off a mortgage or car loan. Bankruptcy doesn’t necessarily mean that your life is over and that your financial prospects are ruined forever. A Chapter 7 bankruptcy with help from The Gloria Law Group can help make sure your path to financial recovery is a smooth one.

Unlike a Chapter 7 Bankruptcy, which involves the liquidation of assets, Chapter 13 bankruptcy is a way to restructure debts so that creditors can eventually be paid off by the debtor.

You may choose to file Chapter 13 Bankruptcy in order to have a better chance at repaying debts on better terms, with little or no interest. Debtors who have regular, steady incomes may be eligible for Chapter 13 bankruptcy, and will have an average of five years to pay off the debt. Because this entire process is carried out by the court, it is very important to have an attorney protecting your interests every step of the way.

When filing for Chapter 13 bankruptcy, you must also submit a repayment plan proposal. We can assist you in drawing up this plan, as your qualification for Chapter 13 bankruptcy will rest largely on whether your plan is executable. The repayment plan must follow three important guidelines:

The repayment plan must be delivered in good faith.
All disposable income must be contributed to the repayment plan for at least 3 years.
You have to pay at least as much as would have been paid to creditors in a Chapter 7 bankruptcy.


Under the payment plan of Chapter 13 bankruptcy, payments will usually be automatically deducted from your paycheck by the Court. This will help to ensure the validity of the agreement, as debtors have no choice but to pay off their debts. If you or someone close to you is considering Chapter 13 bankruptcy as an avenue out of debt, do not hesitate to consult with one of our lawyers. An attorney will be able to give you a thorough explanation of the process and will help you make decisions that will directly benefit your future financial situation.


 

 
 

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