Creditor Lawsuits

May 9th, 2017

How to Deal with Creditor Lawsuits There will be a point when a creditor or debt collector may sue you if you have unpaid debt. If you have income or assets then the creditor may sue you to get a judgment. Do not panic if you are served with a debt collection lawsuit.  Call our experienced […]


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Getting a Small Business Loan After Bankruptcy

May 1st, 2017

Getting a small business loan after filing business bankruptcy Although it may difficult to obtain a small business loan after bankruptcy, but it is not impossible.  Your bankruptcy discharge has wiped out all your unsecured debt and you are not eligible  file for bankruptcy within a certain number of years. As such, you may be […]


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Merchant Cash Advances Subject to Scrutiny by the Bankruptcy Court for the District of New Jersey

April 14th, 2017

The New Jersey bankruptcy trustee overseeing the complaint for Lam Cloud Management, LLC in the United States Bankruptcy Court for the District of New Jersey argued two small business financing models: (i) merchant cash advances (“MCAs”); and (ii) small business loans originated under bank partnerships.  Our experts at ZocLaw.com discuss allegations pertaining to Merchant Cash Advance involving […]


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File Chapter 13 Bankruptcy Online: Foreclosure

January 9th, 2017

If you file a Chapter 13 bankruptcy online, your bankruptcy filing will not affect your mortgage, nor will you lose any property provided that you are still able to make your mortgage payments in full and on time. If you are in dire financial distress and have received a notice of foreclosure from your lender, […]


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Chapter 7 Bankruptcy Means Test

December 23rd, 2016

The bankruptcy “means test” determines whether your income level meets the threshold to file a Chapter 7 bankruptcy. Chapter 7 bankruptcy is designed for low income earners. As such, the bankruptcy means test designed to keep filers with higher incomes from filing for Chapter 7 bankruptcy. Debtors whose income is too high to file a […]


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Filing Bankruptcy Again

December 20th, 2016

Are you thinking about filing bankruptcy again? You may be wondering how soon you can file if you have filed for bankruptcy in the past. In today’s article, our bankruptcy experts at ZocLaw.com discuss time limitations for receiving a bankruptcy discharge after you have previously filed for, and have been granted a discharge. Filing Bankruptcy […]


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Filing Bankruptcy Online: Non-Dischargeable Debt

December 9th, 2016

Although most debts if not all debts may be discharged in a Chapter 7 bankruptcy, there are some debts which may not be discharged. Today, our experts at ZocLaw.com  highlight filing bankruptcy online non-dischargeable debt. The experts at ZocLaw.com explore some of the reasons why certain debts are not dischargeable below. Filing Bankruptcy Online – […]


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Chapter 7 Bankruptcy Discharge

December 8th, 2016

Generally, most people file for Chapter 7 bankruptcy to eliminate or wipe out their debts. Although there are some debts which are not dischargeable, most filers in a Chapter 7 bankruptcy will be able to eliminate most if not all of their debts. Credit card debts are the most common type of debt that is […]


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Seven Common Means Test Mistakes

December 7th, 2016

Hiring A Bankruptcy Attorney Can Prevent These Common Means Test Mistakes The starting point in filing bankruptcy is the Means Test as it determines whether you qualify to file a Chapter 7 bankruptcy and it influences the length of your Chapter 13 bankruptcy plan. However, the test involves a complicated process and mistakes are made. […]


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Chapter 7 Bankruptcy Means Test

December 7th, 2016

What is the Means Test in a Chapter 7 bankruptcy? The Chapter 7 bankruptcy Means Test is simply a process whereby a determination is made as to whether you are eligible to file a Chapter 7 bankruptcy.  It is designed to keep debtors with high incomes from filing for Chapter 7. Debtors with substantial incomes […]


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