Taieb Law

07/06/2023

Ottawa is Canada's capital city with something to offer tourists in every season. Know when to plan your trip to avoid crowds and bad weather.

08/28/2022

IMAGINE YOU CAN LOWER YOUR MONTHLY PAYMENTS
My August Blog Post

https://www.bankruptcywithcare.com/blog/2022/08/imagine-you-can-lower-your-monthly-payments/

I don’t have to repeat how people are struggling due to the price of food, gasoline and every product that is sold since inflation is killing everything and destroying working people.

As a result of the inflation that has been the highest in 41 years, Americans incurred the highest balances on their credit cards in the second quarter of 2022 to $46 billion which is the highest spike in 20 years. As a result of the recession, Americans added $312 billion in mortgage and non-mortgage debt during the second quarter of 2022. The amount of delinquent credit card debt rose to 3.35% and delinquent auto loans increased to 1.81% from 1.61% one year ago. In addition, auto loan balances increased $33 billion during the second quarter of 2022. The data showed that the average price for a new vehicle was over $48,000. Mortgage interest rates for a 30-year fixed rate mortgage as of the end of July 2022 were 5.3% compared to 2.5% a year ago and 2/3 of new mortgages went to borrowers with credit scores of at least 760. See ABI Bankruptcy Brief, August 4, 2022.

At Taieb Law we have been a New Jersey Bankruptcy Lawyer for over 37 years and we have seen how people can feel overwhelmed when they are burdened with debt as a result of the terrible inflation and recession.

If you have gotten into a situation, where you have had to run up credit cards, personal loans or any other type of debt to survive, then you have to talk to Taieb Law about bankruptcy options, since you cannot afford to make outrageous payments each month where you are forced to borrow from Peter to pay Paul just to survive.

At Taieb Law, we have substantially reduced several of our clients’ monthly payments to a payment they can afford or even totally eliminated their monthly payments on credit cards and personal loans to help them truly get a fresh start.

If you are behind on your debts and are barely making it due to inflation and the recession, it is urgent that you contact Taieb Law for a FREE consultation so he can advise you of your rights under the bankruptcy code. Then you can file a New Jersey bankruptcy to help get a fresh start, clean the slate and protect your property from creditors.

Please talk to us at Taieb Law since we have been a New Jersey Bankruptcy Attorney for 37 years and can analyze the situation to protect your rights and save you from getting yourself even deeper in debt.

If you can’t sleep and are overwhelmed, call us and we will help you resolve your individual problem like we have helped over 7,000 people over the last 37 years.

If you are sick, stressed out, or losing sleep over your debt, we can help you save your property and get a fresh start by filing a New Jersey bankruptcy for you. For more information go to www.bankruptcywithcare.com or call us at (856) 600-0819 for your FREE initial consultation.

AGAIN, PLEASE NOTE WE ARE OPEN FOR BUSINESS TO HELP YOU EITHER IN OFFICE OR VIRTUALLY. PLEASE ALSO NOTE THAT STEVEN N. TAIEB, ESQUIRE HAS BEEN VACINATED. ALSO, CREDITORS MEETINGS ARE BEING CONDUCTED VIA TELEPHONE OR ZOOM AT THE PRESENT TIME.

Steven N. Taieb, Esquire has been a New Jersey Bankruptcy Attorney for 37 years and is board certified in consumer bankruptcy law by the American Board of Certification which is accredited by the American Bar Association.

We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy Code.

I don’t have to repeat how people are struggling due to the price of food, gasoline and every product that is sold since inflation is killing everything and destroying working people. As a result of the inflation that has been the highest in 41 years, Americans incurred the highest balances on the...

07/31/2022

I HAVE A SPECIAL NEEDS CHILD WHICH CREATES A LOT OF UNFORESEEN EXPENSES FOR ME WHICH HAS CREATED HUGE CREDIT CARD DEBT. CAN YOU HELP ME?

My July blogpost at:
https://www.bankruptcywithcare.com/blog/2022/07/i-have-a-special-needs-child-which-creates-a-lot-of-unforeseen-expenses-for-me-which-has-created-huge-credit-card-debt-can-you-help-me/

If you care for a special needs child, there are a lot of additional expenses that arise due to the child or young adult’s disability.

Since a lot of special needs children cannot express themselves, they express their feelings by destroying things since their brain functions differently due to their disability and it is hard for them to express their anger through verbalizing.

Some expenses that parents of special needs children incur are as follows:

Some young adults have more car accidents which create all types of expenses.

Due to inappropriate social behavior, there can be all types of miscellaneous expenses.

Anger issues due to inability to express themselves can result in damaging property which create unforeseen expenses.

Failure to properly take care of themselves due to improper hygiene can result in substantial medical expenses and out of pocket expenses.

There may be substantial medical expenses in a normal situation to deal with one’s disability.

There can be substantial legal fees for special needs lawyers to fight school districts or possible criminal cases in certain circumstances.

Finally, certain hobbies or activities that help their disabilities can be quite costly.

Thus, you may have many more expenses due to your obligations caring for a special needs child.

At Taieb Law since we have been a New Jersey Bankruptcy Lawyer for over 37 years, we have seen how people can feel overwhelmed when they are burdened with debt.

If you have gotten into a situation, where you have had to run up credit cards, personal loans or any other type of debt to survive, then you have to talk to Taieb Law about bankruptcy options, since you cannot afford to make huge monthly payments on debt while trying to make your normal monthly payments for necessities especially with inflation and the price of food and gasoline.

If you are behind on your debts and are barely making it due to unforeseen expenses that you have to deal with or just can’t make it due to inflation, it is urgent that you contact Taieb Law for a FREE consultation so he can advise you of your rights under the bankruptcy code. Then you can file a New Jersey bankruptcy to help get a fresh start, clean the slate and save your property.

Please talk to us at Taieb Law, we have been a New Jersey Bankruptcy Attorney for 37 years and can analyze the situation to protect your rights and save you from getting yourself even deeper in debt.

If you can’t sleep and are overwhelmed, call us and we will help you resolve your individual problem like we have helped over 7,000 people over the last 37 years.

If you are sick, stressed out, or losing sleep over your debt, we can help you save your property and get a fresh start by filing a New Jersey bankruptcy for you. For more information go to www.bankruptcywithcare.com or call us at (856) 600-0819 for your FREE initial consultation.

AGAIN, PLEASE NOTE WE ARE OPEN FOR BUSINESS TO HELP YOU EITHER IN OFFICE OR VIRTUALLY. PLEASE ALSO NOTE THAT STEVEN N. TAIEB, ESQUIRE HAS BEEN VACINATED. ALSO, CREDITORS MEETINGS ARE BEING CONDUCTED VIA TELEPHONE OR ZOOM AT THE PRESENT TIME.

Steven N. Taieb, Esquire has been a New Jersey Bankruptcy Attorney for 37 years and is board certified in consumer bankruptcy law by the American Board of Certification which is accredited by the American Bar Association.

We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy Code.

Based in Mount Laurel, Taieb Law offers bankruptcy aid and protection from creditor harassment. Call .

06/27/2022

HOW DO I PAY MY BILLS WITH INFLATION AND THE PRICE OF GASOLINE?

Please check out my new June blog post at https://www.bankruptcywithcare.com/blog/2022/06/how-do-i-pay-my-bills-with-inflation-and-the-price-of-gasoline/

All of you are aware that inflation is the highest it has been within the last 41 years and gasoline prices are the highest they have ever been.

Over twenty million Americans are now struggling to pay their utility bills and people have to rob Peter to pay Paul since they just cannot afford to pay their mortgages, auto payments, food, prescriptions and other necessities while prices keep on increasing.

While the price of gasoline hits record highs, the truck drivers have no choice but to pass on the costs for all products and services which comes out of your pocket.

Even though many of you got raises, the raises do not keep up with inflation.

Please click on the link above to read a few options to help you deal with these bills.

05/20/2022

WHERE DO I GET MONEY TO PAY MY BILLS?
On Behalf of Taieb Law | May 18, 2022 | bankruptcy, Chapter 13, Chapter 7

My May blog post at https://www.bankruptcywithcare.com/blog/2022/05/where-do-i-get-money-to-pay-my-bills/

So many of you are killing yourselves, working more than one job, to try to make ends meet to pay for food, gas and deal with the inflation that is impacting all of us.

However, the worst place to try to get money is to borrow from your pension, 401k or other retirement plan.

At Taieb Law, since we have been a New Jersey Bankruptcy Lawyer for over 37 years, we have seen how pension loans can totally destroy you in several ways.

First, several of our clients do not realize that borrowing from your pension may constitute income under certain circumstances and this has to be declared on your tax returns. So, you may end up having a large tax liability with Uncle Sam, depending on certain circumstances.

Second, your lives are crushed since you are having huge payments coming out of your pay checks for long periods of time and it just puts you under more financial stress. I am not saying that using credit cards or obtaining a personal loan is good; however, clients do not suffer anywhere as much financially as they do when a huge chunk of their paycheck goes towards paying back a pension loan.

Third, you are borrowing from your own retirement. This is your money for when you retire; not to solve your current debt crisis.

Fourth, if you need to eventually file a bankruptcy due to the overwhelming debt, any money obtained from pension loans or 401K loans within the past 6 months counts in the means test analysis and can definitely impact if you qualify for a chapter 7 or how much you have to pay back unsecured creditors in a chapter 13 plan.

Therefore, please understand all the consequences that are at stake when you borrow from your pension or 401K.

If you are behind on your debts and are barely making it due to the price of gasoline, food and other outrageous expenses due to inflation, it is urgent that you contact Taieb Law for a FREE consultation so he can advise you of your rights under the bankruptcy code. Instead of borrowing from your retirement plan, you can file a New Jersey bankruptcy to help get a fresh start, clean the slate and save your property.

Please talk to us at Taieb Law since we have been a New Jersey Bankruptcy Attorney for 37 years and can analyze the situation to protect your rights and save you from getting yourself even deeper in debt by making the wrong borrowing decisions.

If you can’t sleep and are overwhelmed, call us and we will help you resolve your individual problem like we have helped over 7,000 people over the last 37 years.
If you are sick, stressed out, or losing sleep over your debt, we can help you save your property and get a fresh start by filing a New Jersey bankruptcy for you. For more information go to www.bankruptcywithcare.com or call us at 856-600-0819 for your FREE initial consultation.

AGAIN, PLEASE NOTE WE ARE OPEN FOR BUSINESS TO HELP YOU EITHER IN OFFICE OR VIRTUALLY. PLEASE ALSO NOTE THAT STEVEN N. TAIEB, ESQUIRE HAS BEEN VACINATED. ALSO, CREDITORS MEETINGS ARE BEING CONDUCTED VIA TELEPHONE OR ZOOM AT THE PRESENT TIME.

Steven N. Taieb, Esquire has been a New Jersey Bankruptcy Attorney for 37 years and is board certified in consumer bankruptcy law by the American Board of Certification which is accredited by the American Bar Association.

We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy Code.

So many of you are killing yourselves, working more than one job, to try to make ends meet to pay for food, gas and deal with the inflation that is impacting all of us. However, the worst place to try to get money is to borrow from your pension, 401k or other retirement plan. At

04/29/2022

THE MEANS TEST IS KINDER AND GENTLER FOR NJ BANKRUPTCY
My April blog on https://www.bankruptcywithcare.com/blog/2022/04/the-means-test-is-kinder-and-gentler-for-nj-bankruptcy/

How many of you are afraid that you don’t qualify for chapter 7 bankruptcy?

Effective April 1,2022, the numbers for the means test have increased again in New Jersey. If you live alone and have substantial credit card debt, if you earn $75,321, you will qualify for a chapter 7 bankruptcy. (The means test is a formula calculating your income over the last six months). If a husband and wife have $100,000 in credit card debt or any other unsecured debt, they can earn $92,669 to qualify for a chapter 7 under the means test formula. If the husband and wife who have over $100,000 in unsecured debt have a child living with them, they can earn $117,697 under the means test to file. Finally, the median income for a family of four is $140,657. Each additional person in the household adds another $9,900.

In addition, under a present bill passed by the Senate, people will get relief since the total amount of debt which makes you eligible for chapter 13 is $2,750,000 instead of dividing it into secured and unsecured which increased on April 1, 2022. This will sunset two years after it becomes law. This will help people file chapter 13 who used to be excluded if they had too much unsecured debt or too much secured debt and had to either file chapter 7 and lose property or chapter 11 which is much more expensive.

Thus, with the increase in bankruptcy exemptions which became effective on April 1,2022 and the higher number for the means test, a NJ bankruptcy for chapter 7 will be available to many more people.

As a result of the higher means test numbers in New Jersey, it will also benefit consumers who need to file a chapter 13 bankruptcy in New Jersey since in several cases they may be able to get the benefits of reorganizing debt that they are behind such as a mortgage, motor vehicle or back taxes while reducing or eliminating unsecured debt in their chapter 13 NJ Bankruptcy.

If you are behind on your debts and are barely making it due to the price of gasoline, food and other outrageous expenses due to inflation, it is urgent that you contact Taieb Law for a FREE consultation so he can advise you of your rights under the bankruptcy code. Then you can file a bankruptcy petition to help geta fresh start, clean the slate and save your property.

If you can’t sleep and are overwhelmed, call us and we will help you resolve your individual problem like we have helped over 7,000 people over the last 37 years.

If you are sick, stressed out, or losing sleep over your debt, we can help you save your property and get a fresh start by filing a bankruptcy for you. For more information go to www.bankruptcywithcare.com or call us at 856-235-0917 for your FREE initial consultation.

AGAIN, PLEASE NOTE WE ARE OPEN FOR BUSINESS TO HELP YOU EITHER IN OFFICE OR VIRTUALLY. PLEASE ALSO NOTE THAT STEVEN N. TAIEB, ESQUIRE HAS BEEN VACINATED. ALSO, CREDITORS MEETINGS ARE BEING CONDUCTED VIA TELEPHONE OR ZOOM AT THE PRESENT TIME.

Steven N. Taieb, Esquire has been a New Jersey Bankruptcy Attorney for 37 years and is board certified in consumer bankruptcy law by the American Board of Certification which is accredited by the American Bar Association.

We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy Code.

How many of you are afraid that you don’t qualify for chapter 7 bankruptcy? Effective April 1,2022, the numbers for the means test have increased again in New Jersey. If you live alone and have substantial credit card debt, if you earn $75,321, you will qualify for a chapter 7 bankruptcy. (The mea...

03/30/2022

My February and March blog posts.

MONEY CHANGES EVERYTHING
How many of you are waiting for your tax refund? The biggest issue for most people is what are they going to use their tax refund for? Read more at https://www.bankruptcywithcare.com/blog/2022/02/money-changes-everything/

CLEAN UP YOUR DEBT FOR SPRING CLEANING
How many of you are afraid of losing your home or vehicle if you file for bankruptcy? Whether you lose your property is based on how much your property is worth.
Read more at https://www.bankruptcywithcare.com/blog/2022/03/clean-up-your-debt-for-spring-cleaning/

How many of you are waiting for your tax refund? The biggest issue for most people is what are they going to use their tax refund for? As I have stated in the past, if your tax refund fully satisfies

01/26/2022

My February blog post, titled:
COLD AS ICE

How many of you wake up freezing every morning in January? The high temperature the other day was 25 degrees Fahrenheit.

Most people try to keep their thermostat low to avoid astronomical electric bills and you bundle up when you go outside.

I walk my dog every day, twice a day so I am prepared if it is 20 degrees, 90 degrees, snow, rain, ice or wind. I prepare for whatever mother nature throws since dogs must relieve themselves since they are living creatures.

Since a barrel of oil is now hovering near $100...READ MORE AT https://www.bankruptcywithcare.com/blog/2022/01/cold-as-ice/

How many of you wake up freezing every morning in January? The high temperature the other day was 25 degrees Fahrenheit. Most people try to keep their thermostat low to avoid astronomical electric

12/27/2021

Video 3 of a new three part Taieb Law video series with important insight from Steven N. Taieb

12/27/2021

Video 2 of a new three part Taieb Law video series with important insight from Steven N. Taieb

12/27/2021

Video 1 of a new three part Taieb Law video series with important insight from Steven N. Taieb

12/14/2021

Two important reads from my November and December blog posts.

#1. HAVE YOU NOTICED HOW EXPENSIVE IT IS TO LIVE IN NEW JERSEY?
https://www.bankruptcywithcare.com/blog/2021/11/have-you-noticed-how-expensive-it-is-to-live-in-new-jersey/

#2. WHAT A GAME!
https://www.bankruptcywithcare.com/blog/2021/12/what-a-game/

What are your thoughts?

Facebook Twitter LinkedIn If you listen to the radio, you hear it all the time. Your first bet is risk free up to $500. You can win $150 on a $5 bet. You can bet on how many yards a player ran, or how many catches he made or the over/under and several other statistics. It makes the game so…