John Hargrave has been an attorney for 43 years. For the last 43 years he has concentrated his practice in the bankruptcy field. He has represented at least several thousand people in financial distress over those years. He has helped his clients find relief from stress that comes with not being able to pay their bills.
In addition, he was appointed by the US Department of Justice he served as a bankruptcy trustee from 1985 to 2018. He has supervised more than 15,000 bankruptcy cases. There are only1,000 bankruptcy Trustees in the entire country. In New Jersey, as you accumulate points on your driver's license, the New Jersey Motor Vehicle Commission (also known as the Department of Motor Vehicles, or DMV) will impose a surcharge.
In addition, he was appointed by the US Department of Justice he served as a bankruptcy trustee from 1985 to 2018. He has supervised more than 15,000 bankruptcy cases. There are only1,000 bankruptcy Trustees in the entire country. In New Jersey, as you accumulate points on your driver's license, the New Jersey Motor Vehicle Commission (also known as the Department of Motor Vehicles, or DMV) will impose a surcharge.
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At the law office of John Hargrave and Associates, we are here for the sole purpose of helping our clients find practical, workable solutions to get out of debt. If you are feeling the stress of a heavy debt burden, we understand what you are going through. With a practice stretching back more than 30 years, we have the experience and ability to help.
Chapter 13
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When you are struggling under a crushing debt burden, it is hard to make good decisions. Your debt burden not only impacts your finances but can also affect your relationships with loved ones and your physical well-being. Having a debt burden is like having a 50 pound weight on your back. For a while it can be tolerable, but after long enough, the stress from carrying all the additional weight will wear you down.
Debt Consolidation
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There are two options out there that seem like a good alternative to bankruptcy: debt consolidation and debt settlement. Similarly, on the surface, debt settlement sounds like a reasonable alternative to bankruptcy. The idea is that you pay the debt settlement company the money that you would normally pay to your creditors.
Divorce and Bankruptcy
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Conflict over finances and debt is a major contributor to divorce. Whether you are considering divorce and bankruptcy, going through a divorce and want to seek bankruptcy protection, or you are divorced and now need to file for bankruptcy, knowing how bankruptcy and divorce play off one another can help you make good decisions and protect your right to a sound financial future.
Eliminate DMV Surcharges
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As you accumulate points on your driver's license in New Jersey, the New Jersey Motor Vehicle Commission (also known as the Department of Motor Vehicles, or DMV) will impose a surcharge. A DMV surcharge can be costly, and the amount varies, depending on the driving offense. If you cannot afford to pay the DMV surcharges levied by the New Jersey Motor Vehicle Commission, the DMV will then suspend your driver's license.
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