Union City is one of the most densely populated cities in the United States, located in Hudson County along the Palisades overlooking the Hudson River and Manhattan. It has a large Cuban-American and Hispanic population.
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.
Union City residents file in the District of New Jersey at 50 Walnut St, Newark, NJ 07102. The drive is approximately 20-25 minutes west.
Population density does not directly affect bankruptcy, but the high cost of living in Union City (Hudson County) means the IRS Local Standards for housing and transportation expenses are higher. This can help you qualify for Chapter 7 by reducing your calculated disposable income.
Yes. Many attorneys in the Union City area offer services in Spanish. Legal Services of New Jersey has bilingual staff. The court provides interpreter services for 341 meetings and other proceedings. You have a right to understand all proceedings in your language.
Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.
Free Discharge Screener