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Welcome to the blog of Waltzer Law Group. Here we write about issues around personal bankruptcy with a focus on New York and New Jersey bankruptcy law.

David Waltzer CNN SmartMoney Bankruptcy

Waltzer Law Group as featured on CNN Money:

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The Top Five Bankruptcy Myths and the True Truth About Bankruptcy

First you should know that there are many more myths, but these are the most important to understand. After describing and debunking the five big myths, I have a section explaining where the misinformation come from. I hope this helps clear some of the misconceptions out there and helps you to make the best decision […]

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Finding The Best Bankruptcy Lawyer

This is not a short article, but it is important. The more you think through your decision, the more power you have to get it right. Getting this decision right is the way the best solution for conquering your debt and launching yourself into a better situation. The first step to finding the best bankruptcy […]

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Why You are Not The Problem

Bankruptcy is BIG. According to some estimates more than one in every twelve eligible Americans living today has filed bankruptcy.  One in twenty eligible people filed bankruptcy just in the years between 2000 and 2006. During that period approximately 11,000,000 (eleven million) people filed bankruptcy. The population of people eligible to file bankruptcy was approximately […]

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The Importance Of An Attorney Who Tells You Like It Is

It is simple. You need an attorney who will tell you like it is because it will save you time, save you money and give you peace and dignify your process. If you want advice on how to find the best bankruptcy lawyer click here. Otherwise, keep reading to learn about what makes different kinds […]

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Loan Modification and Reaffirming Debts After Bankruptcy

Reaffirmation Loan Modification Reaffirmation Reaffirmation is when after filing bankruptcy, you sign a document putting yourself back on the hook for the debt. Though sometimes clients have to do it in order to keep a car, I generally discourage reaffirming debt for the following reason. If you reaffirm, you give up your bargaining position AND […]

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Important Considerations For Parents

I have been practicing bankruptcy law in New York and New Jersey for many years. There is nothing more painful than seeing parents worry about debt when they have children to feed, nothing except being that parent. I do absolutely everything I can to help parents, particularly single parents to get a fresh start. If […]

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How Bankruptcy Can IMPROVE your credit score

Contrary to the bankruptcy myths out there, particularly the total lie that you will have bad credit for 10 years, which is flat out false, for many people, bankruptcy improves your credit score. In addition to this article there is an article in Wall Street Journal’s “Smart Money” that reaches the same conclusion. Click Here […]

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Buying A House And Car AFTER Bankruptcy

Any honest bankruptcy expert or bankruptcy attorney can tell you:Bankruptcy will not prevent you from getting a house or a car. In fact, it might even be the fastest way for you to be able to buy a house or car! Usually what people are worried about is a car-loan or a mortgage. To buy […]

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Saving Your Home With Chapter 13 Bankruptcy

Chapter 13 is famous for two things. Saving Homes and Being Complicated. In the short term, chapter 13 can stop foreclosures and other creditor actions (much like a chapter 7). However, unlike a chapter 7 bankruptcy, chapter 13 bankruptcy involves a plan of getting caught up with your creditor, namely your mortgage. The automatic stay […]

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