December 29, 2013 There were a total of 32,052 Bankruptcy Cases Filed. 30,949 or 96.5% of all Bankruptcies filed in NJ for this time period were filed by Consumers under Chapters 7 or 13. This clearly demonstrates that consumers are more often faced with difficult financial situations than businesses as they relate to bankruptcy. I […]
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 […]
December 22, 2013 To My Clients: At this time of year, I wish all of my clients and their families a happy, healthy and joyous holiday season with thoughts of a prosperous New Year. I am pleased to have been of service to you all. Warm Regards, Ralph A. Ferro, Jr., Esq.
December 16, 2013 1:01 PM EST Tweet Press Release The Law Offices of Ralph A. Ferro, Jr., Esq., is pleased to announce the successfully completion of comprehensive Bankruptcy Mediation training. Ralph A. Ferro, Jr., founding partner, successfully completed comprehensive Bankruptcy Mediation training in December of 2013. The Bankruptcy Mediation Training was held at St. […]
As I meet with my clients, there are increasing numbers of short-term loans listed in their debt summaries. These loans are normally advertised on the internet for fast and easy money for those who need immediate cash. It is quite easy to qualify for these loans, if you supply the information the lenders request: 2 […]
At times all of us: have been rejected, have made mistakes, have not been accepted for a position, had financial problems, etc. You must keep moving forward and don’t give up with your long-term visions or plans for your life. I have heard many say: “I’m too far in debt so I just keep spending […]
I have been representing debtors in bankruptcies for over 27 years. There are common misconceptions about earnings: “Bankruptcy is only for the unemployed” or “I earn way too much to qualify for bankruptcy”. The truth is you cannot earn too much which makes you ineligible for bankruptcy. In fact, in a […]
December 1, 2013 Bankruptcy filings for the twelve month period ending March 31, 2013, fell 14.4 percent when compared to bankruptcy filings for the 12-month period ending March 31, 2012, according to statistics released by the Administrative Office of the U.S. Courts. March 2012 bankruptcy filings totaled 1,170,324, compared to 1,367,006 bankruptcy cases filed in the 12-month […]