Meeting with Veitengruber Law: What to Expect

foreclosure

Here at Veitengruber Law, our experience has been that by the time a client reaches us, he or she is deeply ensconced in significant financial difficulties. Our goal is to reach clients sooner, so that we can address the situation before it becomes dire.

In order to eliminate some of the questions and fears associated with “hiring a lawyer,” we thought we’d explain the process here at Veitengruber Law. The first thing we’d like you to know is that all attorneys are not created equal! Our attorneys are in this business to help you, not to take your money and run.  Our fees are reasonable, and we give free consultations. There are no strings attached to that consult, and you can share this information with all of your friends. We’d love to help them, too.

Our firm is made up of the most compassionate people you’ll ever meet, and along with being highly respected and successful, we get aggressive in the courtroom when necessary. Expert negotiating skills are what has garnered us our stellar reputation in Ocean Township. We’ve helped countless clients get their financial affairs in order by drastically lowering their debts, allowing them to stay in their homes, keep their vehicles, and avoid bankruptcy.

What we want you to know is this: continuing on a downward spiral will only end in a dark, moneyless pit with no way out. If you’re thinking, “I’m broke! How can I possibly pay an attorney?” –  think of it this way: our fees are a drop in the bucket compared to the return on investment you will get from us. What if our retainer fee ends up being only 20% of the money you’ll reap in return after we set you free from your troubles?

That is one amazing return on investment, and, not only is it nothing to fear, it is something to jump at.

We aren’t actual miracle workers, it’s true. We don’t know magic and we never went to Wizardry School. We can’t wiggle our noses and make you into a millionaire. What we can do is pretty awesome, though. Our attorneys absolutely do not quit until you are satisfied with our efforts. We don’t know the meaning of a forty hour work week. Our firm runs on pure ambition, and an intense desire to help you.

When you come to us and lay it all out on the table, we care. As a matter of fact, we’ve actually been told that we care too much. The thing is, we will never stop caring about our clients’ wellbeing and success; it’s just not in our nature to give up on you.

Don’t drown in your financial woes out of fear. A rising tide is just on the horizon, and a rising tide lifts all boats. Let us lift you up and out of danger. What do you have to lose?

Call us today and get on the fast track to getting your life back:(732) 852-7295. If you feel more comfortable communicating via email, click here to fill out a contact form.

Photo courtesy of Casey Konstantin

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Bankruptcy After the Death of a Spouse

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As we discussed last week on the Veitengruber Law blog, the death of a spouse is an incredibly traumatic event all on its own. In addition to taking the necessary time to grieve, many surviving spouses have the daunting task of dealing with looming financial concerns. In relationships where the deceased spouse managed all of the financial matters, this can be an extremely daunting and scary time.

Expenses can start to pile up rather quickly, especially if your spouse died unexpectedly and the two of you didn’t often communicate about money. In addition to making sure all of your bills are kept current (including utilities, mortgage(s), vehicle payments, life/auto/home insurance, association dues, doctors’/hospital bills) you will also have the added expenses associated with a funeral. Additionally, some spouses are surprised to find debts that were being kept hidden from them.

Like many other surviving spouses, Lynda* was devastated and completely lost after her relatively young husband died at the age of 43 after being diagnosed with Lymphoma only eight months prior to his death.  Dealing with the loss of her husband was more than enough for her to process; thus, she ignored incoming bills, late notices and warning letters from a multitude of companies and creditors who were trying to collect money.

When she finally arose from her bereavement long enough to take stock of her money situation, Lynda’s home was in foreclosure, and the only viable solution for her and her young daughters was to temporarily move in with friends. Her credit was in danger of being permanently ruined, and her children needed stability. One day, a friend, who happened to work in a law office, suggested that Lynda consider filing for bankruptcy.

If you or someone you know is in a similar situation, meeting with our bankruptcy firm is the step you need to take. We have all of the information you need in order to make the best financial decisions from this point forward. If you were left with little or no life insurance after your spouse passed away (like Lynda) and a humongous hill of debts, there are important facts you need to know before you even think about paying any lenders!

There are laws in New Jersey that will help you get to the other side of this financial hurdle. George Veitengruber, Esq. is an expert at negotiating with debtors as well as handling your bankruptcy case and subsequent credit repair. He will easily be able to explain to you which debts you will be required to pay, and those from which you will be absolved.

Potentially filing for bankruptcy may scare you. Years ago, there was a stigma associated with “going bankrupt,” but today that stigma is quickly disappearing. People everywhere have a better understanding that bankruptcy can be a good way to start over with a ‘tabula rasa‘, or a clean slate.

Will filing for bankruptcy knock out all of your debts? Probably not. Certain debts cannot be relieved, even through bankruptcy, but many can be eliminated entirely. Yet others can be reduced. With Veitengruber Law working for you, looking forward to a stable future will once again be possible.

*not a client; story used with permission

Photo courtesy of Mudflap DC

Surviving the Death of a Spouse: An Overview

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There are a veritable plethora of devastating emotions following the death of a spouse – including sadness, loneliness, anger, confusion, and fear. In addition to these feelings, many spouses are lost regarding financial tasks that need to be addressed immediately, especially if the spouse who passed away was in charge of all of the family’s financial matters.

It can be quite overwhelming to a surviving spouse who is unfamiliar with many of the banking and financial affairs that need immediate attention. Additionally, the surviving spouse may be left in dire financial straits now that he or she is left to run a household on one income rather than two. Unfortunately, at times this leads people to make irrational financial decisions due to extreme emotional duress.

As a general rule, it is advisable to avoid making any significant financial decisions for at least six months following the death of a spouse. Consulting with an experienced bankruptcy attorney is definitely the best advice for anyone in this situation, and the sooner the better.  The attorneys at Veitengruber Law are able to efficiently assess every specific financial situation, and will help you get all of your affairs in order to determine what path is appropriate as you move forward. We genuinely care for the well-being of our clients, and we also have expert knowledge regarding estate planning. This combination is what allows us to assist newfound widows with compassion, sensitivity and competence.

Talking about death is something that most couples avoid, as it is a rather depressing topic, which means that a lot of people do not have a plan in mind in the event that their partner should pass away. However, it is of the utmost importance that all financial obligations should be discussed on a regular basis between you and your mate, so that one of you is not left slammed while attempting to grieve.

Should your husband, wife, or partner pass away suddenly, leaving you in a lurch regarding money matters, it is natural to feel a wreck. Luckily, with the right help, getting back on track isn’t as impossible as it may seem. You will need to gather the following information:

  • Estate plan paperwork (will)
  • Birth and death certificate
  • Life insurance policy paperwork
  • Bank statements
  • Information regarding your home mortgage
  • Social Security card (for you and your spouse)
  • Credit card information
  • Homeowner’s insurance policy
  • Car insurance policy
  • Location and access to any safe deposit boxes
  • Applicable health insurance policy information
  • Utility bills
  • Investment documentation

Our professional attorneys will help you run down your checklist and will gather the necessary information, enabling you to tackle these tasks one at a time. We understand that dealing with a mountain of paperwork is the last thing you want to do during the grieving period. It is our practice to go above and beyond to ensure that our bereaved clients make the most appropriate and sound decisions at such a delicate, transitional time. We make it our priority to help you address all of your debts, including those belonging to your late spouse, and we will forge the best financial plan for you and your family as you move past this difficult time.

Photo courtesy of Eflon

The Best Time of Year to Buy a Home

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If you’re considering making a home purchase in the near future, you’ve probably tried to determine the best time of year to buy. Here in the Northeast U.S., it’s very common to see a surge in home purchases just as the temperatures start to climb upward again after a long winter. Typically, the months between April and July are when the most home sales take place. This statistic is generally thought to be due to the fact that late spring and summer are vacation months for many homeowners, so they have more time to dedicate to listing their home on the market. Conveniently, this also means that buyers have more time to visit potential new homes that they’d like to purchase.

Another factor that makes summer an especially busy time for realtors is that most parents would prefer not to disrupt their child’s school year. Even families who move within the same school district are pretty reluctant to dedicate the time required for moving when school is still in session and the weather is usually just too cold.

Starting around April, home buyers are presented with a surplus of new homes on the market, which may allow you to find the house of your dreams. It may mean that you’ll be looking at higher asking prices, though. Because so many buyers are on the lookout for a similar combination of amenities, upgrades, and square footage, sellers tend to stay firm on their asking price. If the demand is particularly high, bidding wars may even shoot the final price of the home above the asking price.

With the information that April-July are when home sales start to pick up, now is a great time to start looking. As it is just before that sweet spot for sellers and many of them have just listed their homes, you’ll have a better chance at snagging the perfect abode before prices skyrocket. You’ll have less competition, and because of that, you may even get a better deal on a mortgage. Lenders are often willing to waive some of their fees if it means winning you as a customer.

Of course, the very best time to buy a home is when it’s best for you, with all factors considered, like your job status, how much you have in savings, interest rates, cost of living, and marriage or divorce. As it’s a momentous life event, buying a home is a transaction that must be taken very seriously. There are many steps involved, along with plenty of paperwork that can cause buyers to become overwhelmed or anxious. Going it alone can be nail-biting, wondering if you’ve missed any important details.

At Veitengruber Law, we see our clients through the home buying process all the way from making an offer to the closing. We have the experience to be able to help you navigate all stages of your experience so that your fears and concerns are quelled, and you can enjoy buying a new home. By assisting you in the negotiation process, reviewing or drawing up the contract, performing the title search, obtaining land use or zoning permits, and attending the closing, we’ll be there to meet all of your real estate needs.

Photo courtesy of Images_of_Money