DOUGLAS N. STERN, ESQUIRE
PA & NJ State & Federal Courts
Bankruptcy, Debt & Credit Issue Attorneys
Bankruptcy is a serious issue that can affect anyone. We all have financial responsibilities that we need to take care of on a daily basis. Job loss can have far-reaching circumstances, making it hard for you to pay off any debt you may have.
When left to continue long enough, unemployment can lead to a situation where you’re not able to repay your debt within the specification of your contracts. In such cases, the best thing to do may be to declare bankruptcy, and DOUGLAS N. STERN, ESQUIRE 215-545-6300 can help you do so.
How Bankruptcy Can Help
Bankruptcy allows you to eliminate or pay off some of your debts. You can do so under two options according to the federal government: liquidation or reorganization.
Liquidation refers to the sale of any assets in order to pay off remaining debt. In these cases, debt collection agencies may seize items and sell them in order to recover what you owed the bank or any other financial institution. In the case of reorganization, you are required to disclose your assets and income after which you’ll be given a chance to pay off your debt via a repayment plan that can last anywhere between 3 to 5 years. It’s important to note that bankruptcy may not apply when it comes to certain types of debts. This includes student loans, child support payments and tax payments. In order to fully understand what does and doesn’t apply when it comes to bankruptcy, please speak to a qualified and experienced bankruptcy lawyer as soon as possible by calling DOUGLAS N. STERN, ESQUIRE 215-545-6300
There are a few types of bankruptcies you can file for:
We may even be able to help with:
Filing for Chapter 7 Bankruptcy
Chapter 7 bankruptcy is unique given the circumstances that those who file for it find themselves in. This type of filing allows your trustee to cancel most, if not all your debts. You might also be required to liquidate some of your property in order to pay your creditors. In 2005, the government passed a new law which regulated chapter 7 bankruptcy. If you’ve filed for bankruptcy in the last 7 years, you may not be able to file for a chapter 7. At the same time, you may be required to attend credit counseling at one of the agencies approved by the United States Trustee.
Once you file a chapter 7, an order of relief comes into effect. This means that most creditors may not be able to harass you or collect what you owe them.
Douglas N. Stern, Esquire criminal defense lawyer can help with cases such as:
Criminal Defense Attorney
There is a certain level of inequality in the justice system with regard to criminal law. Police officers and district attorneys usually have access to resources such as state funds, the latest in forensic and lab testing, as well as top tier lawyers; all of which come together to create a strong case against you. It’s because of this that you need an experienced criminal defense attorney to help defend you. We’re here to fight on YOUR side, and to give you your best chance at a fair fight.
A conviction can have far reaching consequences in your future life. In addition, juries often have preconceived notions about certain charges that it will make it very hard to win your case if you don’t have an experienced criminal defense attorney by your side.
PERSONAL INJURY-ACCIDENT CASES
Looking For a Personal Injury Lawyer? Call DOUGLAS N. STERN, ESQUIRE 215-545-6300 for a Free Consultation!
Although the circumstances that create the need for a personal injury attorney can be wide ranging, they are almost always unexpected, life-altering, and often tragic. Whether you were hurt in a car accident, injured by a defective product, or suffered injury due to medical malpractice, the choice you make in legal representation can be one of the most important decisions in your life.
Personal injury law exists to help injured victims recover compensation from the party (or parties) at fault. This compensation includes medical expenses as well as other damages relating to an injury such as pain and suffering, lost wages, diminished earning capacity. and more.
I accept personal injury cases involving a wide range of circumstances, including:
LIMITED TORT CASES ACCEPTED
NO FAULT DIVORCES
If you want a fast uncontested no fault divorce then call my office.
You can be legally divorced within 60-90 days without going to court.
In Pennsylvania there are two no fault grounds for divorce.
The first ground is mutual consent. If both parties consent then a divorce decree can be entered after the 90 day waiting period.
The second ground is if the parties have been seperated for more than two years. Then a divorce decree can be obtained within 20-40 days after service of the notice of the complaint.
Call my office or email me for a free consultation.