Stay Safe: How to Avoid Being Injured by a Drunk Driver

NJ personal injury

Almost thirty percent of all car accidents are caused by drinking and driving. In New Jersey alone, there are hundreds of fatalities and thousands of serious injuries caused by drunk driving per year. Drunk driving accidents increase around the holidays, as people are attending more family celebrations, work functions, and other parties where alcohol is typically served.  Use the following tips to keep you and your family safe and to avoid becoming the victim of a drunk driving accident.

 

Buckle-up!

There’s a reason for that annoying seatbelt ding in your car and police departments’ “click-it-or-ticket” campaigns. Wearing a seatbelt is your best defense against injury in a drunk driving accident. Using a seatbelt the correct way has been proven to significantly reduce the chance of a fatal crash. Wear your seatbelt with the bottom strap across your hips and the top strap resting across your chest and collar bone. Making sure you and your passengers are always secured with a seatbelt could be a life-saving precaution—not to mention, it’s the law!

 

Minimize Night Driving

While a drunk driving accident can happen at any time, your chances of encountering a drunk driver increase later at night. Reduced visibility and potentially slippery roads can serve to further impair already inebriated drivers. Try to avoid driving on well-traveled roads in the evening and nighttime hours. If you do have to drive at night, make sure you are cautious and fully alert.

 

Drive Cautiously

During the holiday season, take the time to use extra precautions while you’re driving. Maintaining a generous following distance will give you extra time to react to any erratic driving in front of you. If you notice an erratic driver behind you, slow down and try to stay out of their path. Intersections can be particularly dangerous, with drunk drivers ignoring posted stop or yield signs. Don’t assume a car will stop. Wait for other cars to come to a complete stop before crossing an intersection.

 

Know the Signs of a Drunk Driver

Practicing defensive driving is always a smart choice, but sometimes the best way to deal with drunk drivers on the road is to avoid them all together. Knowing what to look out for when you are driving will help you steer clear of any impaired drivers. If you see any of these indicators, pull to the side of the road and call 911. Provide a description of the vehicle if you can and alert the police to the location and direction the car is traveling. Hopefully, they will be able to catch up to the driver and prevent an accident.

Signs of a drunk driver include:

  • Swerving or weaving in and out of their lane
  • Headlights are off when it’s dark
  • Frequent braking for no reason
  • Sudden turns
  • Driving way above or way below the speed limit
  • Delayed response to traffic lights

 

Be a Responsible Party Guest/Host

You yourself are likely to attend a few holiday parties this year. Don’t become part of the problem. If you are driving, avoid all alcohol and stick to water or soda. Always remember that “buzzed” driving is just as bad as drunk driving. If you choose to consume alcohol, make sure you have a reliable designated driver that will not be consuming any alcohol that evening. If you are hosting the party, you are responsible for making sure everyone gets home safe. If you have even the smallest doubt about a friend’s ability to drive, help them find another way home or offer to let them sleep over.

 

If you have already been the unfortunate victim of a drunk driving accident, you deserve maximum compensation for your suffering. Veitengruber Law can help make sure you get the best representation for your case. While we do not represent personal injury cases, we do evaluate them. We can assess your case and refer you to the right personal injury attorney in our network of trusted professionals.

Have a safe holiday season!

Aging in Place: Avoiding NJ Foreclosure in Retirement

NJ foreclosure

Entering retirement can be a time of celebration and relaxation, but it can also lead to financial stress. You’ve spent your whole life working towards this moment, but managing your finances on a fixed income can be hard to get used to. While ideally you would be living debt-free in retirement, many homeowners are taking their mortgages and other debts with them into their senior years. If you are worried about how to continue to pay for your home after retirement, there are some steps you can take to avoid facing a NJ foreclosure.

No matter how much you plan for retirement, one unexpected event can throw everything off balance. Unforeseen expenses are some of the biggest reasons retirees struggle to make their mortgage payments. Medical bills can quickly amount to a small fortune. Divorce can leave one person struggling to make mortgage payments alone. Loss of income can affect homeowners even after retirement, due to loss of a part-time job or loss of invested funds. If you find yourself facing even one of these hardships, it may be difficult or impossible to make a mortgage payment.

If you believe a lower monthly payment would allow you to stay in your home, you should consider a loan modification. With a loan modification, your interest rate can be lowered, the loan term can be extended, and/or the principal can be reduced to make monthly payments more affordable. In order to be eligible for a loan modification, you need to prove to your lender that you can’t afford your current mortgage payment, but could if the payment was lowered.

When applying for a loan modification, it is really helpful to have an experienced attorney advocating for your interests. When applying alone, homeowners inexperienced with the process can make mistakes or neglect to provide sufficient evidence of their income. Lenders will reject applications if they believe the requester doesn’t have enough income to meet the lower payments. However, it may just be that you have not listed all of your income, or have have failed to describe your income appropriately. Any money you are receiving has the potential to help your chances of getting approved for a loan modification. At Veitengruber Law, we know what lenders are looking for and how to create an application will be approved.

While you are working to avoid foreclosure, it might be worth looking into increasing your income. If you have the space, renting a room to a relative or friend or renting out an unused space for storage can help supplement your retirement plan. Many retirees hold part-time jobs like dog walking, babysitting, elderly care, and freelancing. Even if you only take a job long enough to get your loan modification approved and pay off some debts, you can resume a carefree retirement once the threat of foreclosure is no longer looming.

The State of New Jersey has made efforts to give retirees a better chance of maintaining their standard of living while continuing to live in the garden state. Law makers have stepped in to help struggling seniors with the Property Tax Reimbursement Plan, also known as the “Senior Freeze.” For seniors who meet a list of requirements, this program freezes property taxes at the amount paid at the time of retirement. Under this program, any increases in NJ property taxes paid since retirement will be reimbursed. This program helps struggling seniors achieve a more consistent, lower cost of living.

Your retirement years should be stress-free and happy. Veitengruber Law is experienced in offering expert legal and financial advice to carry you through retirement with financial security. Enjoy your golden years the way you should—in the comfort of your own home.

8 Ways You are Wasting Money (and How to Stop)

money management

Some money saving tips seem obvious, like cutting back on eating out and sticking to a realistic budget. But there may be some things you are wasting money on without even realizing it. Being a smart consumer means looking at all of your expenses critically—even the little things. These are some common ways people waste money without even realizing it:

 

  1. Shopping Brand Name

This goes for everything from designer clothes to grocery items to pharmaceuticals. If you insist on buying only brand name items, you’re definitely overspending. Instead, look at the quality, function, and value of an item. For groceries and pharmaceuticals especially, the generic item is likely to contain the same exact ingredients as the name brand, but will cost you a fraction of the price. Don’t get hung up on big names; it will make a huge difference in your wallet.

 

  1. Overpaying on Car Insurance

Car insurance is a necessity, but taking the time to shop around and compare rates once a year can save you big. When it comes to car insurance, you can’t assume any one company is the cheapest. Different people will pay different prices for the same coverage which is why you have to shop around to make sure you’re getting the best deal for you. Check for discounts you may qualify for and make sure you’re getting coverage that makes sense for your car.

 

  1. Paying for Cable

There are dozens of movie streaming services and non-cable TV options on the market today—and those services are always growing. Almost any streaming service is cheaper than cable or dish and you have the added bonus of paying for exactly what you want. You can build a package catered to your interests instead of having to pay for extra channels you never use.

 

  1. Keeping Electronics Plugged In

Saving money on energy goes beyond turning lights off when you leave a room. You would be shocked at how much energy waste you produce just from leaving devices plugged in. Some electronic devices, like computers, DVD players, and even microwaves will use power even when they’re not in use. You can calculate what these devices are costing you using this tool from Duke Energy. Keeping these devices unplugged can save you money on your electric bill.

 

  1. Piling on Credit Card Debt

If you use your credit card to pay for most things, it’s a lot easier to spend outside your budget unless you are vigilant. Credit card debt can add up quickly if you aren’t keeping up with your monthly payments. If you fall behind, you may find yourself spending so much money on interest that you can never catch up enough to pay off the actual balance. Don’t ignore potentially crushing interest rates. Be proactive by looking into consolidating or refinancing debt.

 

  1. Spending Too Much on Gas

Overpaying on gas can really hurt your everyday budget. Pay attention to changing prices and shop around for the cheapest gas station in your area instead of just going to the closest one. You can even go a step further by earning rebates on gas purchases. Some credit cards will net you 5% cash back when you buy gasoline. Shopping with certain stores can help you get gas discounts, too. Giant, for example, will help you save 10 cents per gallon for every 100 points you earn at Giant grocery stores.

 

  1. Overpaying Monthly Bills

Just like with car insurance, reviewing the amount you pay for your cable, internet, or cell phone provider is essential to making sure you’re getting the best deal. Some companies rope you in with discounts and monthly credits that expire after your first few months paying for the service. Don’t let that be the final word on your monthly payment. A lot of the time, if you call your provider to discuss a payment increase, they will work with you to keep your business.

 

  1. Not Earning Cash Back When You Shop

There are dozens of apps out there that give shoppers money back for their purchases. Some apps will pay you for scanning your receipts from specific stores while others will give you cash back on individual items. Ibotta and Fetch Rewards give you cash back for scanning your grocery and retail receipts. Ebates and Shopkick give you cash back on specific items from qualifying retailers. A lot of these apps have cash sign-up bonuses. Using cash-back apps is a great way to earn a little money back when you shop.

 

All of these little ways to save money can add up big time in the end. Taking advantage of new technology and competitive pricing will give you more financial power as a consumer. Use these tips and start saving today!

STOP a NJ Sheriff’s Sale and KEEP YOUR HOME

NJ sheriff's sale

In New Jersey, it can take a long time to foreclose on a home. There are a lot of options to explore before you get to the point of foreclosure. If, however, you find yourself unable to work with your lender to get a loan modification and a foreclosure commences, you may be facing a sheriff sale of your home. The good news is, even at the point that a sheriff sale has been scheduled, there are still ways to stop the auction and save your home. Veitengruber Law is here to offer valuable legal advice to get you through this time sensitive situation.

After it has been decided the home will go to sheriff’s sale, the lender or the homeowner can ask the court to adjourn, or postpone, the sale temporarily. Under NJ law, the adjournment can be requested for any or no reason at all, but the homeowner can only ask for adjournment twice whereas the lender can ask as many times as they want. These adjournments last for two weeks and give the homeowner time to consider their options.

In New Jersey, each county has its own adjournment procedures and sets its own costs for requests. Generally, the fee is small – around $28 – in most counties. All requests for adjournment must be made in person and the fee must be paid up front. The request can be made in a letter listing the docket number and sheriff sale number along with the property address and date of the sale. Some counties offer a standard form to request the adjournment. We can help you submit this request to make sure you are approved for your two week adjournment.

In limited situations, the homeowner can ask for additional adjournments. This formal request to the Court would only be granted for good cause, like if a sale of the home is pending or the homeowner is likely to be approved for a loan modification. Additional requests for adjournment can be costly and are at the full discretion of the judge, so it is important to try to work toward a solution within the time limits provided by your two allotted adjournments.

Once the sale of the home has been stalled or stopped, you have a few options to consider. Because you have missed more than three payments, the loan is declared to be in default and the lender will not just let you start paying again to catch-up on missed payments. These missed payments and late fees are combined with any real estate taxes or insurance that has been paid by the lender along with any legal fees to make up the “arrears.” The arrears must be paid before the lender will allow you to start making monthly payments again.

There are a few ways to pay off the arrears. The first is to pay them off in one lump sum, which can be difficult if not impossible for most people. The second is to negotiate a loan modification with your lender and have the arrears added to the principal balance of the loan. Even if you have tried and failed to get a loan modification in the past, with Veitengruber Law’s help it may still be possible to work out a loan modification. This could permanently close your foreclosure case and save your home. A loan modification is often the most ideal way to resolve a foreclosure case and we will do everything they can to work toward this goal.

The final option to repay arrears and end your foreclosure case while keeping your home is to file for Chapter 13 bankruptcy. Once bankruptcy is declared, a sheriff sale of your home will be immediately stopped. While the idea of filing for bankruptcy can seem intimidating, bankruptcy is actually a very useful legal tool to get back on top of your finances. A Chapter 13 bankruptcy will likely save your home from foreclosure and also give you options to mitigate your debts. If you also have excessive credit card debt or other debt from medical or other unplanned expenses, these debts can be managed within the same bankruptcy case. Working with an experienced  bankruptcy law attorney who also provides foreclosure defense services will help you determine the best way to save your home and get you on the path to a better financial future.

There are a lot of considerations to take into account when facing a sheriff sale of your home in New Jersey. We understand that this is a deeply personal decision and we will be there to support you every step of the way. Don’t assume you are out of options because a sheriff’s sale is scheduled. Contact us today for an expert assessment of your situation and save your home!

5 Mistakes to Avoid After NJ Bankruptcy

NJ bankruptcy

After your NJ bankruptcy, a common concern is how to re-establish your credit score. The real challenge is creating new financial habits so you don’t find yourself back in the same hole all over again. At Veitengruber Law, our holistic approach to financial health means our job doesn’t end after the bankruptcy is closed. We work with you to repair your credit and create healthier financial habits.

 

Top Mistakes to Avoid After a Bankruptcy Discharge:

 

1 – Ignoring your credit report

When rebuilding your credit subsequent to a bankruptcy discharge or reorganization, you will want to be very attentive to your credit report. Your creditors are supposed to report any discharged debts included in the bankruptcy to the credit bureaus. These reports should show a zero balance and include a note indicating the debt has been discharged. It is crucial to follow-up on this and ensure that all creditors are reporting to credit bureaus correctly. If discharged debt is being wrongly reported—as either a charge-off or an open account—late or missed payments can continue to show up on your credit. This can further damage your score and make it more difficult for you to get new credit.

2 – Applying for multiple new credit lines

It can be tempting after bankruptcy to rush out and apply for a gaggle of credit cards or loans in an attempt to quickly repair credit. However, it is important to give your credit score time to rebound before applying for new credit. The impact of a bankruptcy is strongest in the first year after filing, although it can stay on (and affect) your credit report for up to ten years. Instead of rushing into opening several credit lines at once, be patient and take the time to research your best options.

3 – Failing to read the fine print

When you do start applying for credit cards, it is important to remember that not all credit cards are created equally. Some credit cards will be more helpful to those rebuilding post-bankruptcy. A secured card, for instance, allows you to deposit cash as collateral up front to create a line of credit. That way, you are not able to charge more than your initial deposit. With any card you choose, it is important to read the fine print of your terms to make sure the card will work in your favor.

4 – Falling for credit repair scams

Many unethical “credit repair companies” make big promises about performing miracles to improve credit scores, but they rarely ever deliver the results promised. These companies rely on misinformation to scam those that don’t know much about how credit works. Some of their tactics may even be illegal. Keep in mind that if something seems too good to be true, it probably is.

5 – Making things too complicated

Ultimately, when it comes to rebuilding your credit after bankruptcy, you need to go back to the basics. What bad habits caused you to file for bankruptcy in the first place? An unflinching assessment of your spending habits will help you determine which factors led to the bankruptcy and determine where you need to make changes. Figure out what your credit-bingeing triggers are and work toward setting spending limits for yourself. Simple things like making on time payments, keeping debt to a minimum, and sticking to a healthy budget are excellent foundations of any financial strategy and will get you on the road to financial health quickly.

You’ve been through the hard-fought financial battle of bankruptcy and come out victorious on the other side. Now is the time to think positively about your financial future. Rebuilding your credit after bankruptcy takes time and patience, but you can use the knowledge and financial savvy you’ve learned along the way to move forward to a brighter future. Veitengruber Law is here to help. We are skilled in advising clients and creating easy-to-follow strategies to rebuild credit. Call for your free consultation today.

Getting Nowhere with Your Debts? You Need a Debt Resolution Plan!

Debt Resolution

If you find yourself burdened with unmanageable credit card debt and struggling to make minimum payments each month, Veitengruber Law’s debt resolution services may be the perfect option for you. Following a debt resolution plan can be an effective strategy for anyone who has experienced a financial hardship like divorce, job loss, a significant reduction in household income, or medical debt resulting from serious accident or illness. Our team is experienced in debt management solutions and creating effective debt resolution plans.

George Veitengruber is an attorney with a strong focus on finances. All of our team members understand the personal heartache people can experience from overwhelming debt. We work toward real and appropriate solutions that provide relief and peace of mind for our clients. We will sit down with you to review your income and expenses and evaluate your debt to get a blueprint of your finances. No two people have the same debt issues and there is no one-size-fits-all solution to debt issues. We provide individualized advice for each client. Bankruptcy is not the only option for people seeking debt relief, and we will never push you into bankruptcy if that is not your best option.

Debt resolution can be an excellent alternative to bankruptcy or debt settlement. After we sit down with you to get a clear understanding of your financial situation, we can create a comprehensive budget that will allow you to get a handle on your debt. We will also use that budget to negotiate with creditors on your behalf. We will work to settle on new payment terms with each individual creditor, negotiating to eliminate penalties, reduce interest rates, and secure lowered monthly payments. The goal of a debt resolution plan is to resolve your debts for less than what you owe on your outstanding balance and to create a payment plan you can more easily manage.

There are some major incentives to working with an attorney to create a debt resolution plan over other debt settlement services or trying to manage debt alone. While your overall score will still likely drop at least slightly, our debt resolution services have the potential to limit damage to your credit score. Because you can continue to pay creditors throughout the negotiation process, there is little opportunity for late payments to further decrease your credit score. Veitengruber Law can also negotiate with creditors in how they report the payment of the debt, working with creditors to ensure your credit score is impacted as minimally as possible.

Another major benefit to debt resolution is the support you get from a qualified, experienced attorney. Our legal team can use their knowledge of the financial world to negotiate on your behalf. Creditors are more likely to take an attorney seriously and an attorney can assure your creditors are working in your best interest. We know all the tricks of the trade and how to work the situation in your favor. When you work with us, you know you will receive the quality know-how and financial expertise you deserve. Our advanced knowledge and years of experience also means less time spent negotiating with creditors, ensuring that you will start paying off debt sooner rather than later.

Don’t wait to start working on a solution to your debt troubles. Call us today to arrange a free consultation with a debt negotiation lawyer. Our comprehensive approach to debt resolution will allow you to breathe easier again. We can work with you to create an individualized debt resolution plan that works for you, helping you tackle unmanageable debt and avoid further financial troubles.

Reduce Debt NOW Rather than Later and Save Thousands

reduce debt

The average American household is leveraged with $137,000 of debt. That’s a crushing number. No matter what your debt looks like, you can (and should) take steps now to eliminate years of payments – potentially saving you thousands of dollars. Following are four of the most common kinds of debt weighing Americans down, along with debt-reduction tips for each type of debt.

Mortgage:

A mortgage is one of the largest debts most people will take on in a lifetime. With a minimum down payment, you will pay thousands of dollars in mortgage insurance (PMI), which is basically wasted money. If you can’t put down 20% to avoid PMI, you should refinance as soon as your home value increases enough that your equity is the equivalent of 20% or more.

Pay attention to comparable home values in your neighborhood and refinance your mortgage as long as the interest rate is low. If you began with a 30-year mortgage, try to refinance to a shorter term. You will pay much less interest over the course of the loan. Choose a 20 or 15-year mortgage and spend your later years without a mortgage payment!

Another effective way to reduce mortgage debt is by making bi-weekly payments instead of monthly payments. This means you will make 13 payments per year instead of 12 and most people won’t even notice the difference.

If you are unable to pay your mortgage or are behind on payments, address it before it gets out of control and you lose your home.


Student Loans:

One of the worst kinds of debt is student loan debt. It will often survive even if you declare bankruptcy. Your wages can even be garnished if you fail to pay your student loans back. Look to consolidate your loans into a low interest rate. Refinancing federal loans with a lower interest private student loan lender is another great option. Veitengruber Law can help you reduce your student loan debts once we meet with you to discuss the specific details of your debt(s).

 

Medical:

Debt from medical bills is one of the “best” kinds of debt to have. You can often negotiate an interest-free payment plan with the provider. Be careful not to ignore these bills and let them go to collections, though. Having any kind of debt in collections can ruin your credit and prevent you from making future important purchases.

 

Credit Cards:

If your credit card debt is out of control, you need to stop adding to the problem and put away the cards. Don’t close the accounts – this will negatively impact your credit score. Put the cards in safe place where you won’t be tempted to use them, and start using a debit card or cash only.

Because the interest rates of most credit cards are so high, repaying significant credit card debt can take years. Always make more than the minimum payment so you are impacting the balance and accruing less interest.

If your credit score is still good, transfer your high-interest card balances to low or no interest introductory period credit cards with no balance transfer fees.*

*IMPORTANT NOTE: Read the fine print before you do this. Credit card companies are cracking down on consumers moving money from card to card to avoid paying interest. You could be hit with a very high rate at the end of the introductory period, or with retroactive interest fees if you move the debt a second time.


There are several strategies you can use to pay down your debt; read our blog post entitled “Snowball vs Avalanche: Digging Your Way Out of Debt” to find the strategy that works best for you and stick to it.


Allowing any type of debt to get out of control can have disastrous effects on your life. The stress of debt can lead to depression, anxiety, physical health problems, relationship problems and more. You may also find yourself in small claims court, civil suits, foreclosure proceedings and bankruptcy court. Your assets like televisions, computers, phones, and cars could be liquidated (sold) in order to pay your creditors.

Take steps now to gain control before your debt becomes an insurmountable mountain. Need help getting started? Call Veitengruber Law for a free consultation.

 

 

Involved in a Pedestrian Motor Vehicle Accident? Go to the ER!

personal injury NJ

Pedestrian accidents have dramatically increased in the last 2 years. In 2016 and 2017, accidents involving pedestrians reached a 25-year high. Each of those years saw 6,000 deaths of pedestrians in motor vehicle accidents. There has been a convergence of contributing factors.

 

  • Distracted drivers—Drivers can be distracted by anything: turning on the air conditioner, taking a bite of a sandwich, rolling down their window, talking to other people in the car. These tasks typically only take a few seconds, but texting while driving takes drivers’ eyes away from the road for longer periods of time and is the cause of 1 out of every 4 car accidents.

 

  • Distracted pedestrians—Pedestrians eliminate two of their crucial senses when walking in traffic with their phones: sight (by looking at the screen), and hearing (by wearing headphones and listening to music.) While pedestrians have the right of way, they become a hazard when they aren’t paying attention.

 

  • Legal marijuana use—The availability of legal marijuana in some states has contributed to a slight rise in motor vehicle accidents.

 

  • Illegal and/or prescription drug use—The opioid epidemic has meant an increase in drug abuse, and since it is harder to test for, driving under the influence of opioids and other medications has led to more accidents.

 

All of these have contributed to a 46% increase in pedestrian accidents which means that more people than ever are at risk.

If you are a pedestrian involved in a motor vehicle accident, it is crucial to know what to do. Without question, you must seek emergency care. Whether you believe you need treatment or not, insist on transport or travel to the ER yourself.

 

Why it’s important to go to the ER

When you are involved in an accident, your body and your brain go into protective mode. Your adrenaline goes into action, your heart starts blood pumping faster, and you become excited. Your injuries may seem minimal or non-existent. You may leave the accident feeling fine and decide not to seek medical treatment. Eventually, whether minutes or hours later, the body’s fight-or-flight reaction calms down and the effects of the accident become more evident. Your injuries may have been more extensive than you originally thought. You may have even made your injury by waiting to seek care.

Any delay in seeking medical treatment can be used as justification for an insurance claim denial. It is important to go to the ER immediately to get an accurate record of all of your injuries, no matter how minor. The medical record will be used as evidence for your insurance or personal injury claim.

 

What to do when you get there

  • Make it clear that a motor vehicle was involved. This may seem like an obvious point, but if this information is missing from the medical report it will make your auto insurance claim difficult to prove.
  • Report all of your injuries — even minor ones. While you may be more focused on broken bones or abrasions, don’t forget to report soreness, stiffness, headaches, neck or back pain, and even slight sprains or bruises. Any injury can become serious, and if it is missing from the initial medical report, an insurance adjuster will argue that it is unrelated to the accident.

 

Should you go to your PCP or urgent care center?

Primary care physicians typically do not have the ability to see patients immediately and the sooner you seek treatment the better for your health and for any claim you may make in a case. They will also likely send you for testing at another facility with X-ray, MRI, CAT Scan, and send you for blood work. Rather than chasing all of those things down separately, the ER is much better equipped to treat your needs. An urgent care center will be able to perform more tests than your PCP, but if your injuries are extensive and you need to be admitted you will have to go to the hospital anyway.

After your accident it is important to seek legal counsel. At Veitengruber Law, we have the knowledge and experience to fully and thoroughly evaluate your case. PLEASE NOTE THAT YOUR CONSULTATION WILL BE FREE OF CHARGE.

We will then refer you to the best personal injury attorney for your situation. Our professional network allows us to reach out to a number of very talented and caring personal injury NJ attorneys. Seek legal representation as soon as possible after your accident to ensure that your case gets the proper attention and results.