Legal Columns
New Jersey Dog Bite Cases — Strict Liability and Compensation Claims (Step by Step)
Introduction Dog bite incidents are more than mere animal accidents. According to the Centers for Disease Control and Prevention ("CDC"), approximately 4.5 million dog bites ...
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Korean Homeowner Foreclosure Defense — Chapter 13 Repayment Plan (NJ & NY Foreclosure Process)
Both New Jersey and New York are judicial-foreclosure states: a mortgage lender must sue in state court to foreclose. NJ takes roughly 9–12 months from ...
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Student Loans and Bankruptcy — Brunner Test and 2022 DOJ Guidance (NJ & NY Recent Decisions)
U.S. student loans have long been considered nearly impossible to discharge under 11 U.S.C. § 523(a)(8)’s “undue hardship” standard. In 2022, the U.S. Department of ...
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Chapter 11 Subchapter V for Korean American Restaurants & Small Businesses (Fort Lee · Flushing · K-Town)
The 2019 Small Business Reorganization Act created Subchapter V (11 U.S.C. § 1181) to allow smaller businesses to reorganize faster and cheaper. The current debt ...
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Medical Debt and Bankruptcy — Key Points for Korean American Patients (NJ Charity Care · NY Financial Assistance)
U.S. medical debt has unique features. A single ER visit can produce a five-figure bill, and Korean American clients without insurance — self-employed individuals, newly ...
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4 Alternatives to Bankruptcy for Credit Card Debt (NJ & NY Statute of Limitations)
Many Korean American clients consult Song Law Firm about credit card debt. Because bankruptcy stays on credit reports for 7–10 years, we always evaluate non-bankruptcy ...
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Means Test Strategy — Chapter 7 Eligibility (NJ & NY Median Income)
The 2005 BAPCPA introduced the Means Test (11 U.S.C. § 707(b)) to prevent abuse of Chapter 7. Above a certain income, filers must instead file ...
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NJ & NY Bankruptcy Exemptions — Are Your Home, Car, and 401(k) Safe?
The biggest concern in any bankruptcy filing is “What assets do I keep?” U.S. Bankruptcy Code § 522 lets debtors exempt certain assets from the ...
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Chapter 7 vs Chapter 13: Which Bankruptcy to Choose? (NJ & NY Guide)
When Korean American clients consult Song Law Firm about bankruptcy, the first question is usually whether to file under Chapter 7 or Chapter 13. Both ...
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