Legal Columns
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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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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