May 14, 2015
April 15, 2015
There are many instances where deadlines are set but they are not strictly enforced. That is not the case in Bankruptcy.
Wage Garnishments: If you wages are garnished 90 days prior or on the 90th day of your bankruptcy filing date, these funds are may be due back to the Debtor. However, the key is the actual date of the transfer. One court held that the date of the Writ of Garnishment is the key date. A judgment creditor obtains a prior right which cannot be defeated except by failing to obtain his/her judgment. Continue reading…
American Board of Certification – Awards Ralph A. Ferro, Jr., – Certification in Consumer Bankruptcy Law
RALPH A. FERRO, JR., LITTLE FALLS ATTORNEY CERTIFIED IN CONSUMER BANKRUPTCY LAW
April 2, 2015 — The American Board of Certification announced that Ralph A. Ferro, Jr., attorney in Little Falls, New Jersey has successfully completed the requirements for national certification in Consumer Bankruptcy Law.
To become certified, Mr. Ferro satisfied the following requirements:
+ full time practice of law for at least five years;
+ good standing in the bars of all states in which where a license to practice Jaw is held;
+ devoted at least 30% of practice time and at least 400 hours to bankruptcy related matters in the last three years;
+ documented involvement in consumer bankruptcy by providing information on cases practiced;
+ demonstrated commitment to continuing legal education by earning at least 60 hours of bankruptcy education in the past three years.
+ passed an extensive, day-long written examination covering consumer bankruptcy issues.
The American Board of Certification (ABC) is a non-profit organization dedicated to serving the public and improving the quality of the bankruptcy bar. The rigorous ABC certification standards are designed to encourage bankruptcy practitioners to strive toward excellence and to recognize those attorneys who are experts in the bankruptcy field. The ABC offers separate certification programs in business and consumer bankruptcy and creditors’ rights. All three ABC certification programs are accredited by the American Bar Association. For a complete listing of certified attorneys, see our web page at: www.abcworld.org.
Even Congress has recognized the value of certification by adding it to the list of Section 330 compensation factors in the new bankruptcy Jaw. Legislators and courts recognize that the successful operation of the bankruptcy system depends upon the involvement of professionals with special expertise. This new law recognizes that Board certification provides a simple, meaningful, and objective measure of skill and expertise in the bankruptcy field.
The ABC is co-sponsored by The American Bankruptcy Institute and the Commercial Law League of America. The ABC Board of Directors consists of many of the nation’s finest bankruptcy and creditors’ rights lawyers, former judges, and Jaw professors. # # #
Press Release: Ralph A. Ferro, Jr., Esq. – NJ Bankruptcy Attorney Achieved Board Certification in Consumer Bankruptcy from the American Board of Certification
April 3, 2015
Ralph A. Ferro, Jr., Esq. of Little Falls, New Jersey, has achieved the distinguished Board Certification from the American Board of Certification in the area of Consumer Bankruptcy Law.
In the entire State of New Jersey, there are only 7 other attorneys that have achieved this highly regarded certification.
The American Board of Certification’s (ABC) programs are designed to identify and recognize those attorneys in bankruptcy that have met or exceeded rigorous certification standards relating to experience, continuing legal education, integrity, and peer review; in addition to demonstrating a sophisticated understanding of the law in their specialty area.
Mr. Ferro successfully completed a comprehensive day-long written examination in the specialized area of bankruptcy law. In order to qualify for the examination, Mr. Ferro demonstrated significant experience in the field of Consumer Bankruptcy law including, but not limited to, Motions, Adversary Proceedings, and Contested Matters in the U.S. Bankruptcy Court for New Jersey.
Obtaining this certification distinguishes Ralph A. Ferro, Jr., Esq. from other attorneys in the area of Consumer Bankruptcy and provides further assurance to clients of his legal skills, professionalism and legal ethics.
April 3, 2015
You Expect Board Certification from your doctor – Expect it From your lawyer too.
Board Certification means that the certified attorney has met rigorous, objective standards and has demonstrated knowledge in bankruptcy and/or creditors’ rights law. Continue reading…
Recently Bankruptcy Court ruled that a debtor could not pursue a personal injury claim when she failed to disclose that in her bankruptcy petition.
While in a Chapter 13 bankruptcy, a debtor got fired from her job at the hospital. The hospital failed to provide adequate accommodations due to her disability. Continue reading…
February 14, 2014
As I have pointed out before, I never send someone to stand in on any of my bankruptcy cases nor do I ever pass on your file to someone else to complete. When you hire me, I meet with you, work through your case, attend all hearings/court proceedings and follow the case to completion. It is important that I know your case in detail when working with you.
In a recent case (Bankr. E.D. Va. January 14, 2014), it came to the attention of the Court that the attorney or whoever they had completing the Bankruptcy petition did not render good legal services to their client. Continue reading…
Bankruptcies –Consumer Debt vs Non-Consumer Debt (Chapter 7)
January 20, 2014
There is still the belief among many that the 2005 amendments to the Bankruptcy Code make it more difficult for consumers to file for Chapter 7 bankruptcy protection.
It is important to note that the majority of the 2005 amendments apply to consumer debtors and consumer debt. The majority of the amendments do not apply to individuals with primarily non-consumer debt. Continue reading…
January 16, 2014
When you file for Chapter 7 Bankruptcy, there is a six (6) month look-back period from the specific date you file for bankruptcy when your household income must be disclosed. Continue reading…
December 27, 2013
(2013) Successful Case Declaring Debt Owed to Victim related to Malicious Injury by Gang Member to be Non-Dischargeable. Bankruptcy Code 11 U.S.C. 523 (a)(6).
In addition to representing debtors for Bankruptcy, I represent clients to pursue their claims as a creditor in Bankruptcy Court.
One such case, my client at age 16 was a victim in a gang attack which resulted in him being left with permanent brain damage. He can no longer walk and is wheelchair bound for the remainder of his life with ongoing seizures. Continue reading…