New Jersey Bankruptcy Podcast

Daniel Straffi

5.0 (1)
SOCIETY & CULTURE

Podcast by Daniel Straffi

NOV 18

Therapist Explains Bankruptcy Without Trauma

The 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 sensory-based grounding whenever worry pulls you out of the present.Replace negative self-talk with more realistic, supportive statements.Keep a structured routine to stay motivated during uncertain periods.Reach out early for help when money problems begin impacting daily life.View financial setbacks as turning points rather than defining failures.Share your worries with trusted people instead of holding everything in.Accept help from community networks when stress becomes unmanageable.Track how long and how often symptoms occur to decide when to get professional care. About the Guest Malka Shaw is a licensed clinical social worker, psychotherapist, and educator who has spent more than 25 years helping individuals and families build resilience through life’s most challenging moments. Her experience—from working in the aftermath of 9/11 to supporting clients through trauma and financial stress—offers meaningful guidance for anyone considering bankruptcy in New Jersey. About Daniel Straffi Jr. Daniel Straffi Jr. hosts the New Jersey Bankruptcy Podcast and guides individuals through the bankruptcy process with clarity, compassion, and practical advice. His approachable style and dedication to helping people understand their options make him a trusted voice for those navigating financial difficulties. About the Show The New Jersey Bankruptcy Podcast is designed for anyone facing debt, financial hardship, or uncertainty about their legal options. Each episode offers honest conversations, practical perspectives, and accessible guidance to help listeners make informed decisions about bankruptcy and financial recovery. Youtube: https://youtu.be/9rsYbcWvn0E

29 min
JUL 17

How to Rebuild Credit and Get a Mortgage After Bankruptcy – Featuring Matt Victoria

On 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 to maximize equity and lower financial burden.Actively manage minor collection accounts to protect credit ratings.Maintain positivity and proactive financial habits to expedite recovery.Prioritize homeownership to build long-term equity regardless of interest rates.Partner with empathetic mortgage professionals for tailored financial strategies.Treat your initial home purchase as an investment in your financial future.About Matt Victoria: Matt Victoria is an experienced mortgage banker at Primary Residential Mortgage, Inc. (PRMI), specializing in assisting clients navigating mortgages after bankruptcy. His empathetic approach and creative problem-solving provide personalized solutions to help clients achieve financial stability and homeownership. About Daniel Straffi Jr.: Daniel Straffi Jr. is an accomplished attorney and host of the New Jersey Bankruptcy Podcast. Through insightful discussions and expert interviews, Daniel aims to educate and empower individuals to effectively manage and overcome bankruptcy-related challenges. About New Jersey Bankruptcy Podcast: The New Jersey Bankruptcy Podcast offers actionable financial insights and strategic advice, helping listeners navigate bankruptcy, credit rebuilding, and homeownership with clarity and confidence. Youtube: https://youtu.be/wXGjVr-gAxk

26 min
JUL 17

Debt, Divorce, and Practical Wisdom: A Conversation with Jeffrey Horn

In 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.Prioritize net financial outcomes rather than emotional victories in court.Inform clients about bankruptcy’s limitations clearly and early.Use Chapter 13 bankruptcy as a tool to simplify complex debt issues.Engage bankruptcy specialists promptly to clarify debt-related issues.Discourage clients from costly litigation over minor financial grievances.Maintain a long-term financial perspective throughout the divorce process.Jeffrey Horn Jeffrey Horn is a seasoned family law attorney with over 30 years of experience and the founder of Horn Law Group in Toms River, New Jersey. Known for his pragmatic approach and effective strategies, Jeffrey authored "Shock Proof Divorce," guiding clients through the emotional and financial complexities of divorce. Daniel Straffi Jr. Daniel Straffi Jr., the host of the New Jersey Bankruptcy Podcast, is an experienced bankruptcy attorney at Straffi & Straffi. With a passion for providing accessible financial solutions, Daniel combines compassionate advocacy with insightful financial advice to empower individuals facing financial distress. New Jersey Bankruptcy Podcast The New Jersey Bankruptcy Podcast, powered by Straffi & Straffi, delivers valuable financial and legal guidance tailored specifically to New Jersey residents. Each episode provides insights, strategies, and advice to help listeners regain financial stability and successfully navigate bankruptcy-related challenges. Youtube: https://youtu.be/wju7tBs6BrE

40 min
07/04/2024

Toms River Divorce Lawyer - Straffi & Straffi Attorneys at Law - (732) 341-3800

At 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 or specific property ownership issues. Q: How long can I expect a divorce to take in New Jersey? A: Divorces in New Jersey typically finalize within 10 to 12 months from the filing date. If disputes arise and are prolonged, the process may extend up to 14 months. Conversely, cooperative negotiations can accelerate the resolution. Q: What is the definition of a default divorce in New Jersey terms? A: Default divorces occur when one spouse files and the other does not respond. The court may then proceed with the divorce, deciding based on the proposals of the filing spouse, even without the other's input or presence in court. Straffi & Straffi Attorneys at Law 670 Commons Way, Toms River, NJ 08755, United States (732) 341-3800 https://goo.gl/maps/jpRQNoB2ctQsFHiZ6 https://www.youtube.com/watch?v=uanFHT4UAek https://www.youtube.com/playlist?list=PLvuSBvEYEpVXyLFEoxtBDHFcp03AEAKJk 39.96690269823174, -74.217967521451 XQ8J+PM Toms River, New Jersey, USA https://www.google.com/maps?cid=18340758732161592314 Find us on Social Media and Web: https://www.straffilaw.com/ocean-county-divorce-lawyer/ https://www.facebook.com/straffiandstraffi/ https://twitter.com/StraffiStraffi https://soundcloud.com/straffi-straffi-attorneys/toms-river-divorce-lawyer-straffi-straffi-attorneys-at-law https://soundcloud.com/straffi-straffi-attorneys/sets/toms-river-divorce-lawyer Citations https://www.lawyers.com/toms-river/new-jersey/daniel-straffi-sr-1124584-a/ https://www.avvo.com/attorneys/nj-daniel-straffi-1595737.html https://lawyers.justia.com/lawyer/daniel-edward-straffi-jr-1051170 https://www.martindale.com/attorney/daniel-straffi-sr-1124584/ Other Services we are known for: Bankruptcy Divorce Emergency Bankruptcy Loan Modifications Debt Negotiations Chapter 7 Chapter 11 GBP categories: Bankruptcy attorney Divorce lawyer Family law attorney Attorney Areas we serve: Bennetts Mills Cassville Prospertown Vista Center Jackson Mills Holmansville Hyson Leesville Maryland Van Hiseville Whitesville Open Hours: Monday to Friday, 8 AM to 5 PM

3 min
11/09/2023

Bankruptcy lawyer Jackson Township - Straffi & Straffi Attorneys at Law - (732) 341-3800

Located 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 need to submit a certificate from the agency with your bankruptcy forms, among other requirements, showing that you've completed the counseling. Is it possible to own property after filing for bankruptcy? Yes, retaining ownership of exempt property and any assets acquired after the bankruptcy filing is possible. However, if you receive an inheritance, a property settlement, or life insurance benefits within 180 days of filing, these may be used to pay your debts, unless they are exempt. Can filing for bankruptcy damage my reputation? In most cases, bankruptcy is a personal financial decision. Information about your bankruptcy is available in court records, but only those conducting comprehensive background investigations will likely find it. It usually remains a private matter unless you decide to share it. Straffi & Straffi Attorneys at Law 670 Commons Way Suite I, Toms River, NJ 08755, United States (732) 341-3800 https://goo.gl/maps/jpRQNoB2ctQsFHiZ6 https://www.youtube.com/watch?v=zmlRnDlb2aU https://www.youtube.com/playlist?list=PLJ462SsTpvKQtm6-7ee8ZFVyiBkbtfvmb 39.96690269823174, -74.217967521451 https://brooklynseopro.blob.core.windows.net/newjersey/Jackson-Township/Bankruptcy-lawyer.html https://www.facebook.com/straffiandstraffi/ https://twitter.com/StraffiStraffi https://www.pinterest.com/StraffiLawNJ/straffi-straffi-attorneys-at-law/ https://soundcloud.com/straffi-straffi-attorneys/bankruptcy-lawyer-jackson-township-straffi-straffi-attorneys-at-law https://soundcloud.com/straffi-straffi-attorneys/sets/bankruptcy-lawyer-jackson https://lawyers.justia.com/lawyer/daniel-edward-straffi-jr-1051170 https://lawyers.justia.com/lawyer/daniel-straffi-1064213 https://www.martindale.com/attorney/daniel-straffi-jr-300546818/ Bankruptcy Divorce Emergency Bankruptcy Loan Modifications Debt Negotiations Chapter 7 Chapter 11 Bankruptcy attorney Divorce lawyer Bennetts Mills, NJ Cassville, NJ Prospertown, NJ Vista Center, NJ Jackson Mills, NJ Holmansville, NJ Hyson, NJ Leesville, NJ Maryland, NJ Van Hiseville, NJ Whitesville, NJ Open Hours: Monday to Friday, 8 AM to 5 PM

3 min
10/12/2023

New Jersey chapter 13 lawyer - Straffi & Straffi Attorneys at Law - (732) 341-3800

Straffi & 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 plan to be completed in a span of 36 to 60 months. After payments, a discharge order is entered, eliminating certain debt balances. It is indeed possible to settle a Chapter 13 case early by finishing repayment and getting a discharge. How long does a Chapter 13 bankruptcy linger on your financial record? A Chapter 13 bankruptcy is typically visible on your credit report for seven years from the filing date, after which it is automatically removed. Straffi & Straffi Attorneys at Law 670 Commons Way Suite I, Toms River, NJ 08755, United States (732) 341-3800 https://goo.gl/maps/jpRQNoB2ctQsFHiZ6 https://www.youtube.com/watch?v=rjj971MasLA https://www.youtube.com/playlist?list=PLJ462SsTpvKSVIMxQFQoLcruJO7N6c0sb 39.96690269823174, -74.217967521451 https://www.straffilaw.com/new-jersey-chapter-13-lawyer/ https://www.facebook.com/straffiandstraffi/ https://twitter.com/StraffiStraffi https://www.pinterest.com/StraffiLawNJ/straffi-straffi-attorneys-at-law/ https://soundcloud.com/straffi-straffi-attorneys/new-jersey-chapter-13-lawyer-straffi-straffi-attorneys-at-law https://soundcloud.com/straffi-straffi-attorneys/sets/new-jersey-chapter-13-lawyer https://www.avvo.com/attorneys/08755-nj-daniel-straffi-567560.html http://www.avvo.com/attorneys/nj-daniel-straffi-1595737.html https://lawyers.justia.com/lawyer/daniel-edward-straffi-jr-1051170 https://lawyers.justia.com/lawyer/daniel-straffi-1064213 https://www.martindale.com/attorney/daniel-straffi-jr-300546818/ https://www.martindale.com/attorney/daniel-straffi-sr-1124584/ Bankruptcy Divorce Emergency Bankruptcy Loan Modifications Debt Negotiations Chapter 7 Chapter 11 Newark, NJ Jersey City, NJ Paterson, NJ Woodbridge Township, NJ Toms River, NJ Clifton, NJ Trenton, NJ Cherry Hill, NJ Passaic, NJ Old Bridge, NJ Bayonne, NJ East Orange, NJ North Bergen, NJ Vineland, NJ Jackson Township, NJ Piscataway, NJ Hoboken, NJ West New York, NJ Parsippany-Troy Hills, NJ Howell Township, NJ

3 min
09/11/2023

Bankruptcy Lawyer Toms River - Straffi & Straffi Attorneys at Law - (732) 341-3800

Situated 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 for bankruptcy in New Jersey? A: Chapter 7 bankruptcy can be filed every 8 years in New Jersey. Chapter 13 can be filed multiple times based on individual circumstances or as soon as the previous repayment plan has been fulfilled, and can also be filed four years after a Chapter 7. How does bankruptcy affect your credit score? Bankruptcy can dramatically lower your credit score. A person with a 680 score might lose between 130 and 150 points, while a score of 780 could drop by 200 to 240 points. Straffi & Straffi Attorneys at Law 670 Commons Way Suite I, Toms River, NJ 08755, United States (732) 341-3800 https://goo.gl/maps/jpRQNoB2ctQsFHiZ6 https://www.youtube.com/watch?v=Sye7qCe9Hpk https://www.youtube.com/playlist?list=PLJ462SsTpvKSCJsFHWHai1MPdMuuh32iO https://www.straffilaw.com/ https://www.facebook.com/straffiandstraffi/ https://twitter.com/StraffiStraffi https://www.pinterest.com/StraffiLawNJ/straffi-straffi-attorneys-at-law/ https://soundcloud.com/straffi-straffi-attorneys/bankruptcy-lawyer-toms-river-straffi-straffi-attorneys-at-law https://soundcloud.com/straffi-straffi-attorneys/sets/bankruptcy-lawyer-toms-river https://lawyers.findlaw.com/profile/view/1402084_1 https://lawyers.findlaw.com/profile/view/3264920_1?refPageViewId=7e5b57638731403f https://www.lawyers.com/toms-river/new-jersey/daniel-straffi-jr-300546818-a/ https://www.lawyers.com/toms-river/new-jersey/daniel-straffi-sr-1124584-a/ https://www.avvo.com/attorneys/08755-nj-daniel-straffi-567560.html https://www.avvo.com/attorneys/nj-daniel-straffi-1595737.html Bankruptcy Divorce Emergency Bankruptcy Loan Modifications Debt Negotiations Chapter 7 Chapter 11 Bankruptcy attorney Divorce lawyer Family law attorney Downtown Toms River East Dover North Dover West Dover Dover Beaches North Dover Beaches South Gilford Park North Beach Ortley Beach Silverton Toms River CDP (Census Designated Place)

3 min
08/08/2023

Bankruptcy Discharge - Daniel Straffi

From 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 the different types of bankruptcy discharge available under New Jersey's bankruptcy laws, including Chapter 7 and Chapter 13 bankruptcy discharges. Under Chapter 7, eligible debtors can obtain a discharge of most unsecured debts, such as credit card debt and medical bills, while a bankruptcy trustee may sell non-exempt assets to repay creditors. Alternatively, Chapter 13 bankruptcy allows debtors to propose a repayment plan over a specific period to repay a portion of their debts while retaining their assets.Explore the effectiveness of bankruptcy discharge in terms of discharged debts, protection against creditors, and opportunities for rebuilding credit. However, it's important to be aware of exceptions to dischargeability, such as certain tax debts and student loans, which may not be eligible for discharge. Our experienced bankruptcy attorneys provide invaluable insights into navigating the complexities of Chapter 7 and Chapter 13 bankruptcy discharge, from filing the discharge request and engaging with the bankruptcy trustee to attending the meeting of creditors.Join us as we demystify the bankruptcy process, shed light on the role of the bankruptcy trustee, and discuss the significance of reaffirmation agreements in specific circumstances. Our dedicated attorneys are here to provide expert legal counsel, ensure compliance with New Jersey bankruptcy laws, and empower you to make informed decisions for your financial future. Whether you're considering bankruptcy or seeking debt relief, this podcast equips you with the knowledge and guidance needed to secure a favorable bankruptcy discharge and embark on your journey towards economic stability.Straffi & Straffi Attorneys at Law670 Commons Way, Toms River, NJ 08755, United States(732) 341-3800https://www.google.com/maps?cid=18340758732161592314

7 min

8 Episodes

Dan Straffi Top Notch

Aug 22

J Horn, Esq.

Listen in as Dan blends his high level of legal skill combined with a deep caring about clients facing difficult debt and bankruptcy decisions.

Podcast by Daniel Straffi

Creator

Daniel Straffi
Years Active

2K
Episodes

8
Rating

Explicit
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New Jersey Bankruptcy Podcast