Student loans are treated differently in bankruptcy, but they are not always untouchable. Here is how the undue hardship standard works in Pennsylvania, New Jersey, and New York.

Facing foreclosure? Learn how Chapter 13 can pause a sale and help you catch up on missed mortgage payments, and where its limits are.

Review vehicle equity, loan status, exemptions, and reaffirmation questions before filing bankruptcy in Pennsylvania or New Jersey.

Prepare income, debt, property, and expense records for a Chapter 7 or Chapter 13 consultation with Ames Law Group in Pennsylvania or New Jersey.

If you receive Social Security benefits and you're dealing with debt collectors, judgments, or even bankruptcy — one of the first things you need to understand is this: your Social Security is not automatically up for grabs. The law provides real protections. But those protections can evaporate if you're not careful about how you manage your money. Let's break it down — starting with the basics, then getting into what the rules look like in each state where I practice. First

You and your spouse bought a home together. You hold it as tenants by the entirety—the way most married couples in New Jersey own their homes. Now, life has thrown you a curveball, and you need to file for bankruptcy. Your spouse doesn't. You've done your research, and you know that New Jersey law protects your home from your individual creditors. So why is a bankruptcy trustee trying to sell it anyway? This is happening right now in New Jersey bankruptcy courts, and frankly,

How to Protect Yourself from Identity Theft Lawsuits in PA and NJ For years, I have helped clients fight back against lawsuits for credit cards they never opened. Maybe it’s an account you’ve never seen. Maybe it was opened years ago, sold again and again, and now—suddenly—you’re being sued. You show up to court and someone accuses you of being dishonest, and owing money, without ever proving the debt is really yours. At Ames Law Group, we take these cases seriously. If you'r

At Ames Law Group, we understand that facing financial difficulties can be overwhelming, and filing for Chapter 7 bankruptcy is a significant decision. Our commitment to our clients goes beyond just providing legal representation; it's about ensuring that they make informed choices that align with their best interests. When advising individuals considering bankruptcy, we always prioritize their best interests. We recognize that bankruptcy may not be the right solution for eve