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,

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At Ames Law Group, we understand that facing financial difficulties can be overwhelming, and filing for Chapter 7 bankruptcy is a...