Bayonne is a city on a peninsula in Hudson County, bordered by Newark Bay and New York Bay. It is connected to Staten Island by the Bayonne Bridge and has experienced significant residential development.
New Jersey uses federal bankruptcy exemptions exclusively -- one of the few states in the nation that does so. Federal exemptions under 11 U.S.C. section 522(d) apply: Homestead: $27,900. Vehicle: $4,450. Jewelry: $1,875. Tools of trade: $2,800. Wildcard: $1,475 plus up to $13,950 of unused homestead. Household goods: $700 per item, $14,875 total. Retirement accounts: fully exempt.
Exemptions determine what property you can keep in bankruptcy. See the full exemptions guide.
These organizations may offer free or low-cost assistance. Contact them directly to verify current services and eligibility requirements.
Bayonne residents file in the District of New Jersey at 50 Walnut St, Newark, NJ 07102. The drive is approximately 20-25 minutes north via NJ Turnpike.
Property taxes are not dischargeable in bankruptcy. They are considered priority debts. In Chapter 13, past-due property taxes must be paid in full through your repayment plan. Current property taxes must continue to be paid. However, the automatic stay will temporarily halt tax sale proceedings.
Yes, but exemptions depend on where you lived before. If you moved to New Jersey within the past 730 days (2 years), the exemptions from your previous state of residence may apply. If no state's exemptions apply under this rule, federal exemptions are used -- which is what New Jersey uses anyway.
Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.
Free Discharge Screener