Retirement planning and estate planning often overlap in ways New Jersey families do not expect. Retirement accounts, pensions and beneficiary forms can all affect who receives assets at death and whether the full plan works as intended. A will does not control every...
Year: 2026
How filing for bankruptcy protects utility services in New Jersey
A utility shutoff notice can accelerate an already difficult financial situation. For New Jersey residents dealing with debt, filing for bankruptcy activates a federal protection under 11 U.S.C. § 366 that can prevent shutoffs and help you maintain access to water,...
Why you should not be afraid of New Jersey’s probate process
In other states, you may have heard this advice: Avoid probate at all costs. There is a national narrative of the probate process being a nightmare of endless court battles and bureaucracy. However, there is some good news for New Jersey residents. The state’s probate...
3 clear signs bankruptcy might be your best path forward
It is common to feel hesitant about filing for bankruptcy – whether due to social stigma or a lack of awareness of one's financial situation. In any case, failing to notice the clear warning signs for bankruptcy can become a costly mistake in New Jersey. Here are...
Will a standard estate plan work for a disabled beneficiary?
If you are planning to pass down your assets to a loved one with special needs, you have to think about how your estate plan might affect their lifestyle requirements. In many situations, a standard estate plan may not be the best approach for a beneficiary with...
What happens to your co-signer when you file for bankruptcy?
Filing for bankruptcy in New Jersey can bring relief when debt becomes unmanageable. However, you might worry about a parent, spouse or friend who helped you qualify for a loan. A bankruptcy discharge may eliminate your personal responsibility for a qualifying debt,...
Will vs. revocable living trust: Which one is right for you?
Planning for the future of your estate in New Jersey requires a clear understanding of the legal tools available to protect your assets and your family. Two of the most common options are wills and revocable living trusts. While both serve as foundations for estate...
A new child, a new “what if”: Protect them with an estate plan
Bringing a new child into your family changes everything, including how you think about the future. That first time you hold your child in your arms can bring new perspective and a need to offer protection. One key tool that can protect your child well into the...
Can an employer use your bankruptcy against you? Know your rights
There are many reasons why people see bankruptcy as a last resort if they’re facing overwhelming debt. While it’s a big step that requires careful consideration, it’s crucial to separate fact from fiction so you can make a decision that is based on what’s in your...
Is estate planning just for the wealthy?
No, estate planning is not just for the wealthy. There is no asset limit that dictates whether or not you need an estate plan. This is a common misconception, however. It is easy to imagine that someone with assets in the millions needs to make a plan to pass those on...
