Legal Columns
Understanding New Jersey PIP (Personal Injury Protection) and the No-Fault System
Personal Injury · NJ PIP · No-Fault · Coverage Limits · Verbal Threshold · Korean-American Drivers Introduction New Jersey is a “No-Fault” state — meaning ...
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10 Things to Do Immediately After a Car Accident: From Scene to Settlement
Personal Injury · Car Accident · Scene Response · Insurance Notification · Pre-Settlement Attorney Consultation Introduction According to the National Highway Traffic Safety Administration (NHTSA), ...
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Georgia Dog Bite Cases — Owner Liability and Compensation Limits
Introduction Georgia has one of the highest growth rates of Korean American population in the United States, with the Atlanta metropolitan area now home to ...
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Joint vs Individual Bankruptcy Filing — Which Is Better for Couples? (Korean Marriage Certificate, Immigration Status)
Section 302 of the Bankruptcy Code permits married couples to file a single joint petition. The same $338 filing fee covers both spouses, saving time ...
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New York Dog Bite Cases — The One-Bite Rule and Key Differences from NJ
Introduction If a dog bite occurs in New York, the legal framework is fundamentally different from neighboring New Jersey — even though the two states ...
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Credit Recovery After Bankruptcy — 6 Month, 2 Year, 7 Year Milestones (FHA & Conventional Mortgage)
Korean American clients hesitate to file bankruptcy primarily because they fear permanent credit damage. In reality, credit recovery begins right after discharge — many Song ...
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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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