Speak with Mike Orgera and the Apsan Law Team:
· Dream Act (DACA) for certain young immigrants
· New I-601A Waiver
· Filing for U.S. Citizenship and Naturalization
Michael Orgera and our team can assist you with:
· Permanent visa (Green Card) for yourself or your family;
· Family-based immigration and visas
· Business immigration
· Health Care Professionals
· Temporary Visas
· H-1B Professionals / Specialty Workers
· R-1 Religious Workers (Special Immigrant Religious Worker)
· Extension of Tourist visas (B-1 & B-2), H Visas, O visa, P visas
Bankruptcy is about starting over. It is about ending the cycle of debt collector calls and putting the credit nightmare behind you.
Speak with Michael Orgera and the Apsan Law Team:
Each person decides to file bankruptcy for different reasons. Some have had a business failure while others have lost their job or have gone through a difficult physical or emotional period.
Hospital stays can be costly. Medical bills can mount up to many hundreds of thousands of dollars. It seems that there is nowhere to turn. Yet, there is.
The U.S. bankruptcy laws have made it possible for people to get rid of unwanted debts and start a new life, leaving their most perplexing problems behind. For some people, filing for bankruptcy will give them a breath of relief that they have been searching for and results in the grant of a discharge of debts to an individual or a couple.
A discharge is the forgiveness of personal liability for debts incurred before the filing of the case. With few exceptions, immediately upon filing the petition, creditors are prohibited from suing a debtor, obtaining a judgment, or collecting debts, which have been discharged and will have no claim on the future income or assets of the individual who has filed for bankruptcy relief as a debtor.
We Provide Customized Solutions for All Your Financial Needs
Chapter 7 BankruptcyWe can help you eliminate most or all of your personal debt while keeping almost all of your personal property.
Chapter 13 BankruptcyIf you have a stable income, we can help you reorganize your debt and create a plan for you to repay all or part of the debt over a three to five-year period. All late mortgage installments are included in this plan.
As soon as we file, foreclosure activities will stop, and we will work with the bank to set up a repayment plan for mortgage arrears.
If you cannot meet the terms of your current home mortgage, we can work with the bank under “Obama’s HAMP program” to renegotiate a better rate and more convenient monthly payment.
How Can Filing Bankruptcy Help?
If creditors are harassing you, in jeopardy of losing your home to foreclosure, or worried about vehicle repossession, filing bankruptcy can help by stopping all debt collection efforts almost immediately.
Under the U.S. Bankruptcy Law, as soon as a bankruptcy petition is filed with the court, foreclosure activity, collection calls, and automobile repossessions must stop until the bankruptcy process is finished. During the bankruptcy process, you will not receive any harassing collection calls. You will be able to remain in your home and keep your car.
How Does Filing Bankruptcy offer Debt Relief?
Depending on the type of bankruptcy filed, debt relief can be provided in one of two ways.
In Chapter 7 bankruptcy, unsecured debts are fully discharged, leaving you with no further obligations to make payments on unsecured debts like credit cards, medical bills, signature loans, etc.
In Chapter 13 bankruptcy, a court-approved payment plan is set up based on the amount that a debtor can pay every month without suffering undue hardship.
Can Bankruptcy Help Me to Stop Foreclosure?
With the escalating number of New York and New Jersey foreclosures, many homeowners are turning to file bankruptcy to avoid foreclosure. In both Chapter 7 and Chapter 13 bankruptcies, a foreclosure action will stop with filing the bankruptcy petition.
In a Chapter 7 bankruptcy, you can avoid foreclosure by getting caught up with missed installments shortly after completing the process.
In a Chapter 13 bankruptcy, you can avoid foreclosure with a new payment schedule approved by the Bankruptcy court.
The bankruptcy code provides several ways of avoiding New York and New Jersey foreclosures when an experienced bankruptcy attorney handles the process. In some cases, you can have your subordinated home loans (second mortgage, home equity loan) either completely discharged or drastically reduced by applying an aspect of the bankruptcy code known as “lien stripping.”
New York and New Jersey foreclosures can also be resolved by getting your loan modified through the government program known as the Home Affordable Modification Program (HAMP).
Homeowners can apply for HAMP before, during, or after a bankruptcy. Loans modified through HAMP can result in lowered monthly payments and even reduced principal balances.
Why Should I Hire a Bankruptcy Attorney and not do it myself?
Most every step in filing bankruptcy provides difficulties to debtors trying to navigate the process on their own. These difficulties include:
Only an experienced bankruptcy attorney can help ensure you overcome these difficulties, and your bankruptcy petition results in the most favorable outcome for you and your family.
No matter what your situation is today, successful completion of the bankruptcy process can get your debts under control and give you a new beginning and a fresh start.
Completely Free Initial Consultations
Our bankruptcy lawyers in Newark, NJ and New York, NY, provide free bankruptcy consultation. We take the time to sit down with you, answer your questions, carefully review your situation and offer you options at no cost to you. While our principal offices are located in Newark, New Jersey, and New York, NY, we provide legal services throughout New York, New Jersey, and Florida.
For a free consultation with Moses Apsan, Esq. to find out how filing bankruptcy can solve your debt problems, call today at 877.873.8510.
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Thinking About a Divorce, Legal Separation, or Prenuptial Agreement?
Our Uncontested Divorce Procedure Has Been Successfully Followed By Thousands of People
If you are thinking about a divorce or legal separation, or if you and your spouse have decided to go ahead with a friendly uncontested divorce, we may be able to make the entire procedure go smoothly and inexpensively.
Contact Mike Orgera to discuss our services in Newark, NJ and New York, NY. Michael Orgera and Apsan Law are committed to making a divorce or legal separation a pleasant, non-stressful, and friendly experience.
Just the word – divorce – brings out complex emotions, confusion, and fears. These feelings accompanied by the lack of knowledge and experience in basic legal matters can drive any couple to fight when, in reality, there is nothing to fight about.
Fighting in most cases is just a waste of emotions, time, and money. Understand that every contested divorce is always a complex and expensive process, no matter how little assets there are. Each party can spend thousands of dollars in legal fees and countless hours of mental anguish. Children can develop deep emotional scars that may affect them for a long time. But this scenario does not have to be yours. If you can work with your spouse and reach a fair agreement, we can handle the rest. Moses Apsan, an attorney with more than twenty-five years of family law experience, created this site.
He has assisted many thousands of people in obtaining their uncontested divorce quickly and easily. A simple system to process a friendly (uncontested) divorce has been developed through the years, permitting many couples to handle their divorce from start to finish without the high cost of a contested divorce. Apsan Law Offices can help make your journey through an intricate part of your life simpler and less overwhelming. You will be in charge of your divorce case. Our services will help minimize the anger and stress associated with the adversarial nature of the divorce proceeding.
If you have children, reducing the anxiety accompanying a divorce may help you terminate the marital relationship with a better relationship in the best interest of your child, assisting co-parenting. Finally, we can help save you a significant amount of time and money when you obtain a friendly uncontested divorce.
Our service is an easy step-by-step service to presenting your uncontested divorce case in court. In New York, there is no court appearance. In New Jersey, most court appearance that takes ten to 15 minutes. Everything that at first seems complicated is presented to you in a simple complete, and professional manner. And most importantly, our offices are fully staffed in New York and New Jersey, and we are available for live assistance five days a week.
WHY A FRIENDLY UNCONTESTED DIVORCE IS BEST: You avoid a "Contested Divorce"
Everyone knows that when the parties getting divorced fight, there must be two lawyers involved. Each party has one to represent his/her interest.
In contested cases, this is an absolute necessity. Without a competent lawyer, you may find that mistakes are made during the divorce procedure that may cause you or your children permanent harm. An experienced lawyer is necessary in contested cases. But must the divorce be contested? Usually no. Many of thousands of uncontested divorces are granted each year. Unless there is great a dispute over assets or support, there is no reason why two people cannot reach an agreement and avoid and eliminate the emotional and financial problems that naturally arise when two people argue.
You are in charge of your divorce.
No matter what anyone says, divorce can be cruel. When the two parties argue, it only serves to inflame the underlying problem that caused the breakup in the first place. It gets even worse when there are children involved.
No matter how hard you try to hide it, they know what's happening, even at very tender ages.When a couple has the foresight to work together in a trusting relationship for their mutual benefit, and they are entirely informed about the divorce laws and procedures, most divorce issues can be resolved between them.
By keeping the decision process out of court, the individuals can make decisions that benefit the entire family. In turn, it simplifies the divorce process. You have the best understanding of your life and situation.
Nothing can substitute for this knowledge. With careful consideration and a friendly relationship between the couple, a fair and appropriate agreement to resolve your divorce can be reached, and you can obtain that sought-after "uncontested divorce."
Fair Separation Agreements and an uncontested divorce can be reached if the two parties put aside their hostility.
We have all heard about the "contested divorce" and how expensive and heartbreaking it can be. This is the nature of the adversarial method called litigation. Each side hires a lawyer. Each lawyer, with the help of the client, creates the “theory of the case.”
This is the theory presented in court. What it generally does is create a scenario that one party is more at fault than the other.
However, these days, unless you are fighting for children, responsibility is not much of an issue. What is vital in these contested divorces is the financial division of property.
Whether the parties have a lot of assets or a little asset, litigation becomes expensive because a lawyer, to avoid a claim of malpractice, must go through each costly step in the process whether or not there are no assets.
Before the trial, the courts usually have a conference where the two lawyers tell the judge their side. The judge always tries to settle the case. If that is possible, then the divorce could take place that day. If it is not likely, a date is scheduled for trial, continuing a long and expensive process. One in which no one truly wins.
This is why it is so important that the divorcing couple keeps an open mind and put hostilities aside. Only when this is done can an appropriate agreement be reached, and the divorce can be processed as friendly and “uncontested.”
We recommend that every couple first use all possible means to work out mutual terms for the divorce without going to court. If you find that you cannot work things out on your own, we recommend mediation, with or without attorney representation.
It's not only that you will save money by working things out yourselves, but by avoiding a lengthy trial, an uncontested divorce usually results in reduced hostility and resentment between the couple, and both can resume their lives easier and quicker.
Animosity and financial strain are reduced if litigation is avoided.
It is the natural result of a litigated divorce that the parties become angry, distrustful, unsure, and confused. It is not far-fetched to believe that the two people can find the middle road and enter into an amicable agreement permitting an uncontested divorce.
You may leave the relationship as friends.This goal is most important when there are children involved. Remember, you may be divorcing your spouse but not your children.
In most cases, the parties still have to communicate with each other about the children for many years to come. Active co-parenting requires mutual respect between the parents.
Continued litigation and animosity tend to make co-parenting very difficult. An honest, thoughtful settlement always reduces and can even eliminate the bad air between the couple.
Apsan Law Offices will save you money.
We charge reasonable legal fees for an uncontested divorce.
The consultation is free. You have nothing to lose and much to gain by scheduling an appointment with our office.
Near All Courts
Our New Jersey office is located in Newark and is near all divorce courts. We are close to Kearny, Orange, Jersey City, Harrison, Paterson, Hackensack, New Brunswick, and only a short drive to other local courts.
In New York, we are located in the heart of Midtown near Grand Central Station. As there is no court appearance required in New York for uncontested divorces, you do not have to appear in court if you reside in Manhattan, Brooklyn, Queens, the Bronx, or Staten Island.
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Mike Orgera • Immigration Law Clerk at Apsan Law Offices
400 Market Street, Newark, New Jersey 07105, United States