Shows
BSPE Legal Marketing PodcastDebt-Negotiation Strategies for New Jersey Small-Business Owners - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - Debt Negotiation Strategies for New Jersey Small Business Owners explores how entrepreneurs in New Jersey can regain financial control by employing strategic negotiation techniques, precise documentation, and legal insight.In this episode, we’ll walk through the importance of the Pre-Negotiation Audit, from clarifying your business cash flow to assembling a robust financial dossier and conducting a legal review. We’ll highlight how being thoroughly prepared shifts your role from debtor to strategic negotiator.Next, we’ll dive into core negotiation strategies: how to choose between a lump-sum settle...
2025-11-2510 min
New Jersey Bankruptcy PodcastTherapist Explains Bankruptcy Without TraumaThe New Jersey Bankruptcy Podcast, brought to you by Straffi & Straffi Attorneys at Law, tackles the emotional and financial overwhelm that listeners often face when considering bankruptcy. In this episode, therapist Malka Shaw breaks down the mental load that comes with financial hardship and shares practical tools to navigate stress, shame, and uncertainty. Listeners walk away knowing they’re not alone—and that manageable, realistic steps are available to regain control.Podcast Takeaways:Start small with daily gratitude to gently shift your mindset toward progress.Limit screen time to keep your nervous system calmer and clearer.Use...
2025-11-1829 min
BSPE Legal Marketing PodcastBankruptcy for Seniors: Safeguarding Social Security and Pensions in NJ - Daniel StraffiFrom Straffi & Straffi Attorneys at Law – Bankruptcy for Seniors: Safeguarding Social Security and Pensions in NJ examines how older adults in New Jersey can use bankruptcy as a tool to protect their core retirement income. In this episode, we unpack the legal protections around Social Security, pensions, retirement accounts, and the nuances of choosing exemptions when filing under Chapter 7 or Chapter 13.We begin by framing the financial vulnerabilities of retirees — rising medical bills, credit card debt, mortgages, or supporting family members — and show how these challenges can escalate when living on a fixed income. Next, we explore the me...
2025-10-1405 min
BSPE Legal Marketing PodcastTop-Rated New Jersey Emergency Bankruptcy Lawyer - Daniel StraffiFrom Straffi & Straffi Attorneys at Law – Top-Rated New Jersey Emergency Bankruptcy Lawyer outlines the crucial steps and protections offered by emergency bankruptcy filings for individuals and businesses facing urgent financial threats. This episode explores the role of Straffi & Straffi in helping New Jersey residents navigate time-sensitive legal situations like foreclosure, repossession, wage garnishment, or lawsuits from creditors.Listeners will gain a clear understanding of emergency bankruptcy—often referred to as "skeleton" bankruptcy—and how it triggers an automatic stay to halt creditor actions. The episode explains the differences between Chapter 7 liquidation and Chapter 13 reorganization, and what the eligib...
2025-09-3002 min
BSPE Legal Marketing PodcastBankruptcy After Job Loss - Daniel Straffi, Jr.From Straffi & Straffi Attorneys at Law - Bankruptcy After Job Loss explores the financial, legal, and emotional landscape people often face after losing a job, and how bankruptcy can be a path toward relief.Losing your job does more than cut your paycheck—it can ripple across all parts of your life. This episode delves into how job loss often triggers financial hardship, what expenses suddenly become unmanageable such as mortgage or rent, healthcare, utilities, and car payments, and the emotional toll of uncertainty. We talk about recognizing the signs that bankruptcy might be necessary, including depleting sa...
2025-09-2204 min
BSPE Legal Marketing PodcastFiling Bankruptcy During Divorce in New Jersey - Daniel Straffi, Jr.From Straffi & Straffi Attorneys at Law – Filing Bankruptcy During Divorce in New Jersey explores how the difficult intersection of divorce and overwhelming debt can reshape both personal and financial futures. This episode unpacks the critical timing decisions couples face, the role of automatic stays in halting property division, and the far-reaching implications of choosing between Chapter 7 and Chapter 13 bankruptcy while navigating family court.Listeners will learn how the automatic stay affects equitable distribution of marital assets and debts, while still allowing essential family law proceedings—such as alimony, child support, custody, and domestic violence protections—to move forwar...
2025-08-1905 min
BSPE Legal Marketing PodcastNew Jersey Debt Negotiation Attorney - Daniel StraffiFrom Straffi & Straffi Attorneys at Law – New Jersey Debt Negotiation Attorney explores how compassionate legal guidance and practical debt relief options can help individuals and families reclaim financial stability. This episode delves into the realities of money troubles—from overwhelming bills after a divorce to medical costs and job loss—and how working with a New Jersey debt negotiation attorney can create a path forward. You’ll hear how direct debt talks, Chapter 7 or Chapter 13 bankruptcy discussions, and personalized solutions can relieve stress and protect your future.Listeners will learn about the steps involved in effective debt settleme...
2025-07-2802 min
BSPE Legal Marketing PodcastCan I Keep My 401(k) in Bankruptcy? Retirement Accounts Explained for NJ Filers - Daniel StraffiFrom Straffi & Straffi Attorneys at Law – “Can I Keep My 401(k) in Bankruptcy? Retirement Accounts Explained for NJ Filers” unpacks how federal and New Jersey laws work together to safeguard your retirement savings during challenging times. This episode explores what happens to a 401(k), IRA, pension, or rollover account when debt feels overwhelming and bankruptcy becomes a real option. You’ll hear how both ERISA and the Bankruptcy Abuse Prevention and Consumer Protection Act create layers of protection so that a fresh financial start doesn’t erase years of planning for the future.Listeners will discover why the federa...
2025-07-1703 min
New Jersey Bankruptcy PodcastDebt, Divorce, and Practical Wisdom: A Conversation with Jeffrey HornIn this episode of the New Jersey Bankruptcy Podcast, attorney Jeffrey Horn of Horn Law Group joins host Daniel Straffi Jr. to provide valuable insights into managing the financial complexities that arise during divorce and bankruptcy proceedings. Jeffrey discusses practical strategies for addressing overwhelming debt, hidden financial issues, and emotional challenges, empowering individuals to make informed decisions and achieve financial stability.Podcast Takeaways:Clearly communicate all debts to avoid financial and legal setbacks.Utilize joint bankruptcy consultations for more efficient divorce settlements.Break down financial fears into actionable, manageable steps.Leverage bankruptcy strategically in divorce negotiations...
2025-07-1740 min
New Jersey Bankruptcy PodcastHow to Rebuild Credit and Get a Mortgage After Bankruptcy – Featuring Matt VictoriaOn this episode of the New Jersey Bankruptcy Podcast, mortgage banker Matt Victoria of PRMI discusses practical strategies and key insights into securing mortgages and rebuilding credit after bankruptcy. Matt shares real-world advice on navigating FHA, VA, and non-QM loan options, providing hope and clear guidance to listeners working toward financial recovery.Podcast Takeaways:Establish secured credit cards early to improve post-bankruptcy credit scores.Maintain consistent trustee payments in Chapter 13 bankruptcies to ease future refinancing.Explore non-QM loans for flexible mortgage solutions after bankruptcy.Utilize autopay to prevent missed payments and support credit recovery.Strategically refinance...
2025-07-1726 min
BSPE Legal Marketing PodcastHow to Legally Stop Paying Your Mortgage - Daniel Straffi, Jr.From Straffi & Straffi Attorneys at Law – How to Legally Stop Paying Your Mortgage explores the legal avenues available to New Jersey homeowners facing financial hardship. This episode delves into the complexities of mortgage relief, highlighting how options like Chapter 7 and Chapter 13 bankruptcy, loan modifications, and debt restructuring can provide a structured path forward without resorting to foreclosure.Listeners will gain insight into the distinctions between mortgage forbearance and default, and learn how to assess their financial standing to determine eligibility for legal relief. The discussion emphasizes the importance of reviewing mortgage documents, consulting with a licensed bankruptcy at...
2025-05-0703 min
BSPE Legal Marketing PodcastWhat is Debt Restructuring in New Jersey? - Daniel StraffiFrom Straffi & Straffi Attorneys at Law – What is Debt Restructuring in New Jersey? delves into the strategies available for individuals and businesses to manage overwhelming debt by modifying repayment terms. This episode explores various approaches, including negotiating with creditors, consolidating loans, and considering bankruptcy, emphasizing the importance of a clear strategy for long-term financial stability.Listeners will gain insights into recognizing signs that may necessitate debt restructuring, such as high debt-to-income ratios, reliance on new debt to pay existing obligations, and life events like job loss or medical expenses that can trigger financial instability. The discussion highlights th...
2025-04-0703 min
BSPE Legal Marketing PodcastCan Credit Card Companies Garnish Your Wages? - Daniel StraffiFrom Straffi & Straffi Attorneys at Law – "Can Credit Card Companies Garnish Your Wages?" delves into the legal avenues credit card companies may pursue to recover unpaid debts, including wage garnishment. The article elucidates the circumstances under which creditors can obtain a court judgment to initiate wage garnishment, highlighting the legal process involved.The discussion extends to the limitations imposed by New Jersey law on wage garnishment amounts, ensuring that debtors retain sufficient income to meet essential living expenses. Additionally, the article outlines the types of debts that can lead to wage garnishment, such as unpaid child support, ta...
2025-03-0304 min
BSPE Legal Marketing PodcastWhat Are the Income Limits for Chapter 7 Bankruptcy in 2025? - Daniel StraffiFrom Straffi & Straffi Attorneys at Law – "What Are the Income Limits for Chapter 7 Bankruptcy in 2025?" provides a comprehensive guide to understanding the financial thresholds for filing Chapter 7 bankruptcy in New Jersey. The article emphasizes the importance of the means test, a critical component in determining eligibility for Chapter 7 bankruptcy. This test assesses whether an individual's income is low enough to qualify for debt relief under Chapter 7.The means test involves comparing your average monthly income over the past six months to the median income for a household of your size in New Jersey. If your income is be...
2025-02-1103 min
BSPE Legal Marketing PodcastNew Jersey Student Loan Attorney - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - Navigating student loan debt can be a significant challenge for borrowers in New Jersey, where the cost of education often leads to financial stress. This podcast explores the services a New Jersey Student Loan Attorney can provide to help borrowers manage debt, address disputes with loan servicers, and explore options like loan forgiveness, consolidation, and restructuring. With $45.3 billion in student loan debt affecting over 1.2 million borrowers statewide, understanding the legal protections and strategies available is essential for financial stability.We delve into the differences between federal and private student loans...
2024-12-0903 min
BSPE Legal Marketing PodcastWhat is the Bankruptcy Threshold Adjustment and Technical Corrections Act? - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - In this episode, we explore What is the Bankruptcy Threshold Adjustment and Technical Corrections Act? and its impact on individuals and businesses in New Jersey. This important legislation introduced temporary changes to bankruptcy laws, including increased debt thresholds under Chapter 13 and Subchapter V of Chapter 11. These updates aimed to provide greater accessibility to debt relief, particularly for those affected by pandemic-related financial strains and high costs of living in New Jersey.We discuss how the BTATC Act raised the debt limits for Chapter 13 to $2.75 million and Subchapter V to $7.5 million...
2024-11-2106 min
BSPE Legal Marketing PodcastWhat is the Means Test for Chapter 7? - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - The podcast delves into the critical question, What is the Means Test for Chapter 7?, offering an in-depth look at how this process determines eligibility for Chapter 7 bankruptcy. Listeners will learn how the means test calculates disposable income by comparing household income to New Jersey’s median income levels and deducting allowable expenses such as housing, utilities, transportation, and healthcare. The discussion emphasizes the importance of this standardized test in distinguishing between individuals who genuinely require debt relief and those who may need to consider Chapter 13 bankruptcy instead.The episode explores ho...
2024-11-1404 min
BSPE Legal Marketing PodcastHow Much Do You Have to Be in Debt to File Chapter 7? - Daniel StraffiFrom Straffi & Straffi Attorneys at Law – In this episode, we dive into the topic "How Much Do You Have to Be in Debt to File Chapter 7?" and address common misconceptions about filing for Chapter 7 bankruptcy. We discuss how New Jersey bankruptcy attorneys can assist individuals overwhelmed by unsecured debts like credit card balances and medical bills. While there is no minimum debt requirement to file, understanding the means test and the role of disposable income is critical for determining eligibility. The podcast explores the importance of assessing financial circumstances and making informed decisions about pursuing Chapter 7 bankruptcy.Li...
2024-11-1305 min
BSPE Legal Marketing PodcastHow Long After a Judgment Can Wages Be Garnished? - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - In our latest podcast episode, we explore the article "How Long After a Judgment Can Wages Be Garnished?" and dive into the critical details surrounding wage garnishment in New Jersey. Wage garnishment can profoundly impact financial stability, especially for those trying to manage existing debt burdens. Understanding New Jersey wage garnishment laws is key to navigating the steps that follow a court judgment and knowing what rights and protections are available to individuals facing this financial challenge.We discuss how wage garnishment is initiated, typically by a creditor obtaining a...
2024-10-2804 min
BSPE Legal Marketing PodcastHow To File for Bankruptcy and Keep Your Car - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - In this episode, we discuss "How To File for Bankruptcy and Keep Your Car" and offer insights into the options available for those navigating bankruptcy proceedings in New Jersey. We cover the key distinctions between Chapter 7 and Chapter 13 bankruptcy, explaining how each approach can impact your ability to retain ownership of your vehicle. Listeners will gain a clearer understanding of the state and federal exemptions that could protect their car, and the strategies available for maximizing these protections.We also break down the eligibility requirements for both Chapter 7 and Chapter 13...
2024-10-2406 min
BSPE Legal Marketing PodcastWhat Disqualifies You from Filing Bankruptcies? - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - In this episode, we explore the topic 'What Disqualifies You from Filing Bankruptcies?' and dive into the key factors that may prevent you from achieving a successful bankruptcy filing in New Jersey. Bankruptcy can offer a fresh start, but understanding disqualifying factors such as fraud, income limits assessed through the means test, and recently dismissed bankruptcy cases is essential. Our discussion outlines the requirements for Chapter 7 and Chapter 13 bankruptcies, helping you better grasp how these chapters differ and what income thresholds and regulations apply specifically in New Jersey.We...
2024-10-2306 min
BSPE Legal Marketing PodcastBankruptcy vs. Debt Relief - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - In this episode, we dive into Bankruptcy vs. Debt Relief, exploring the key differences between filing for bankruptcy and opting for debt relief strategies. We cover the most common forms of bankruptcy in New Jersey, including Chapter 7 and Chapter 13, and discuss the eligibility requirements, such as the means test, for those considering these legal pathways. We also look at the impact these options can have on your financial future, particularly regarding credit scores and asset management.Listeners will gain insights into the Chapter 7 process, which involves the liquidation of non-exempt...
2024-10-2105 min
BSPE Legal Marketing PodcastNo-Asset Chapter 7 Bankruptcy - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - No-Asset Chapter 7 Bankruptcy provides a crucial lifeline to individuals burdened with overwhelming debt. This form of Chapter 7 bankruptcy is particularly advantageous for those who do not possess significant assets, as it allows them to discharge unsecured debts, such as medical bills, personal loans, and credit card balances, without risking the liquidation of property. In No-Asset Chapter 7 cases, the debtor’s property is generally protected by exemptions, either under New Jersey state law or federal guidelines, ensuring that personal belongings remain intact while debts are cleared.Straffi & Straffi Attorneys at Law un...
2024-09-2704 min
BSPE Legal Marketing PodcastNew Jersey Chapter 7 Bankruptcy Lawyer - Daniel StraffiFrom Straffi & Straffi Attorneys at Law – In the article "New Jersey Chapter 7 Bankruptcy Lawyer," we explore the key aspects of Chapter 7 bankruptcy and its potential benefits for those in New Jersey facing overwhelming debt. Chapter 7, also known as liquidation bankruptcy, allows individuals to discharge unsecured debts like credit card bills and medical expenses, offering a fresh financial start. The process involves the sale of non-exempt assets by a bankruptcy trustee to pay off creditors, while exempt assets, protected by New Jersey or federal exemptions, remain with the debtor. Understanding how these exemptions work can make a big difference in pr...
2024-09-2704 min
BSPE Legal Marketing PodcastWhat Can You Not Do After Filing Chapter 7? - Daniel StraffiFrom Straffi & Straffi Attorneys at Law – In this episode, we explore the critical topic of What Can You Not Do After Filing Chapter 7? Filing for Chapter 7 bankruptcy in New Jersey offers relief from unsecured debts such as credit card balances and medical bills, but it also comes with strict rules that must be followed to avoid jeopardizing your discharge. We break down common mistakes, such as accumulating new debt or making large purchases on credit after filing, which could be seen as fraudulent by creditors or the bankruptcy court. The consequences of such actions can be severe, including the de...
2024-09-2706 min
New Jersey Bankruptcy PodcastToms River Divorce Lawyer - Straffi & Straffi Attorneys at Law - (732) 341-3800At Straffi & Straffi Attorneys at Law in Toms River, New Jersey, we provide supportive legal counsel primarily in family law and bankruptcy. Our lawyers work closely with each client to guide them through their personal and financial challenges, aiming for a smoother transition and satisfactory resolution.Q: Must I leave my home when going through a divorce?A: You are not automatically required to leave your home when you initiate or are involved in divorce proceedings. Both spouses generally retain their rights to the marital residence, except in cases where legal restrictions apply, such as injunctions...
2024-07-0402 min
BSPE Legal Marketing PodcastExperienced New Jersey Loan Modification Lawyer - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - In our latest episode, we dive into the world of loan modification with a focus on how homeowners in New Jersey can navigate this challenging process. Our Experienced New Jersey Loan Modification Lawyers discuss the significant financial hardships that borrowers often face, such as illness, job loss, and other life-altering events, which can make it difficult to keep up with mortgage payments. Learn how loan modification can provide a lifeline, offering more favorable repayment terms and helping borrowers avoid the stress and anxiety associated with foreclosure.Join us as we...
2024-06-0604 min
BSPE Legal Marketing PodcastCan One Spouse File Bankruptcy? - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - In the latest episode, we delve into the intricacies of bankruptcy law with a focus on the pressing question: Can One Spouse File Bankruptcy? Navigating the complexities of bankruptcy proceedings in New Jersey requires a nuanced understanding of state and federal laws, a topic we explore in-depth. We discuss the eligibility criteria for individual bankruptcy filings, shedding light on the means test and its influence on the choice between Chapter 7 and Chapter 13 bankruptcy. Our conversation also highlights the factors influencing the ability of one spouse to file for bankruptcy alone, including considerations...
2024-04-2509 min
BSPE Legal Marketing PodcastWhat Is A Judgment Lien? - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - Delve into the complexities of judgment liens with our latest podcast episode, focusing on "What Is A Judgment Lien?" A judgment lien, a legal claim on a debtor’s property granted to a creditor after winning a lawsuit, can be a daunting experience. Our experienced New Jersey bankruptcy lawyers at Straffi & Straffi Attorneys at Law can guide you through understanding how judgment liens affect your finances and rights, offering effective legal support and clear guidance. In this episode, we explore the definition and impact of judg...
2024-03-2608 min
New Jersey Bankruptcy PodcastBankruptcy lawyer Jackson Township - Straffi & Straffi Attorneys at Law - (732) 341-3800Located close to Jackson Township, New Jersey is Straffi & Straffi Attorneys at Law, a firm dedicated to assisting clients as they navigate the bankruptcy process. Our skilled bankruptcy attorneys provide constructive advice and steadfast legal support to those dealing with financial struggles, aiding them in their pursuit of financial recovery.What needs to be done before filing for bankruptcy in New Jersey?Before filing for bankruptcy in New Jersey, you must attend a budget and credit counseling session offered by an approved agency. This can be done in person, over the phone, or online. You'll...
2023-11-0903 min
New Jersey Bankruptcy PodcastNew Jersey chapter 13 lawyer - Straffi & Straffi Attorneys at Law - (732) 341-3800Straffi & Straffi Attorneys at Law, located in New Jersey, is dedicated to delivering top-notch legal services, with a strong emphasis on bankruptcy and related fields, guiding clients through difficult legal situations.What does the completion of a Chapter 13 bankruptcy mean?When a Chapter 13 bankruptcy process is completed, the debtor is absolved from all debts specified in the plan, with a few exceptions. Hence, creditors cannot start or continue any legal proceedings to collect the discharged debts.Can a Chapter 13 bankruptcy be settled early in New Jersey?A Chapter 13 case usually includes a repayment...
2023-10-1202 min
New Jersey Bankruptcy PodcastBankruptcy Lawyer Toms River - Straffi & Straffi Attorneys at Law - (732) 341-3800Situated in Toms River, NJ, Straffi & Straffi Attorneys at Law is an experienced Bankruptcy legal firm devoted to providing considerate and effective legal help. We strive to help our clients navigate their unique legal situations with confidence.What's the typical duration of a bankruptcy process in NJ?A Chapter 7 liquidation bankruptcy in New Jersey can typically be completed in four to six months. After completion, dischargeable debts are erased, leaving no repayment obligations. A Chapter 13 bankruptcy generally lasts between 3 to 5 years, or until the completion of the repayment plan.How often can you file...
2023-09-1103 min
New Jersey Bankruptcy PodcastBankruptcy Discharge - Daniel StraffiFrom Straffi & Straffi Attorneys at Law - In this enlightening episode, we delve into the intricacies of 'Bankruptcy Discharge,' exploring the legal process that offers individuals and businesses in New Jersey a fresh financial start by releasing them from certain debts. Our team of skilled New Jersey bankruptcy attorneys will guide you through the essential steps and implications of applying for bankruptcy in the state. Whether you're burdened by overwhelming debts or considering filing for bankruptcy, this podcast provides a comprehensive understanding of how bankruptcy discharge works and the role of experienced attorneys in securing a successful discharge.Discover...
2023-08-0806 min
The Bold SidebarSuicide Hotline to Bankruptcy Guru: My Interview with Attorney Dan StraffiMeet the bankruptcy lawyer that says 99.9% of the people he represents want to pay their bills. He has built a firm partnering with his father Daniel senior who serves as a Chapter 7 Trustee. He's a great communicator not afraid to put himself out there in direct to consumer marketing. Is resource to clients and lawyers alike. Enjoy!Linkshttp://straffilaw.com/https://www.cooperlevenson.com/team/content/?name=Brian_BarrRetired Judge F. Lee ForresterBankruptcy Preference - Wikipedia Article - h...
2018-10-241h 03