West New York is a town in Hudson County situated atop the Palisades along the Hudson River. It is one of the most densely populated municipalities in the nation with a predominantly Hispanic community.
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.
West New York residents file in the District of New Jersey at 50 Walnut St, Newark, NJ 07102. The drive is approximately 20-25 minutes west.
Chapter 7 eliminates most debts in 3-4 months but requires passing the means test. Chapter 13 reorganizes debts into a 3-5 year repayment plan and is available regardless of income. The same federal exemptions apply to both chapters in New Jersey.
Yes. Utility bills (electric, gas, water, phone) are unsecured debts that are fully dischargeable. After filing, utilities cannot be disconnected for pre-filing debt (11 U.S.C. section 366), though they may require a deposit for continued service.
Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.
Free Discharge Screener