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    <lastmod>2024-05-26</lastmod>
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    <loc>https://www.ianetti.legal/answers/is-chapter-11-right-for-my-small-business</loc>
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    <priority>0.5</priority>
    <lastmod>2020-07-08</lastmod>
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      <image:title>Answers - Is Chapter 11 Right For My Small Business? - A Chapter 11 Bankruptcy May Be Your Best Option.</image:title>
      <image:caption>Bankruptcy is a tool used by individuals and businesses to eliminate debt and start fresh. However, personal bankruptcy and business bankruptcy are different things with different rules.</image:caption>
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  <url>
    <loc>https://www.ianetti.legal/answers/facing-a-domestic-violence-charge-whats-the-worst-that-can-happen</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-06-07</lastmod>
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      <image:title>Answers - Facing A Domestic Violence Charge! What's Next? - Domestic Violence charges are commonly filed when people have contentious relationships – and sometimes when one person seeks an advantage in the breakup of a relationship.</image:title>
      <image:caption>Just as often, however, one party in a relationship is victimized. When that happens, New Jersey's domestic violence law is a powerful tool that punishes abusers and protect victims from further abuse.</image:caption>
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  <url>
    <loc>https://www.ianetti.legal/answers/will-i-lose-my-property-if-i-file-for-bankruptcy</loc>
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    <priority>0.5</priority>
    <lastmod>2021-02-07</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1590845914475-SAO0VZS9JOB34OVMPSCH/Rockaway+NJ+Bankruptcy+Attorney+Bankruptcy+Exemptions</image:loc>
      <image:title>Answers - Will I Lose My Property If I File for Bankruptcy? Nope! - Your attorney will help you complete Bankruptcy Schedule C to ensure you claim your exemptions correctly.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1590773113968-0XCWC1DD3O7Z3QKHBODT/image-asset.jpeg</image:loc>
      <image:title>Answers - Will I Lose My Property If I File for Bankruptcy? Nope! - In most cases, Chapter 7 bankruptcy filers keep everything they own with the added benefit of becoming debt-free.</image:title>
      <image:caption>Simply put, you will not lose your property if file for bankruptcy under Chapter 7. Sound too good to be true?  Read on -</image:caption>
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  <url>
    <loc>https://www.ianetti.legal/answers/can-chapter-13-bankruptcy-help-me-save-my-home</loc>
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    <priority>0.5</priority>
    <lastmod>2020-05-29</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1590772015116-KX1EQZQ2J0M2YV0D6HQY/image-asset.jpeg</image:loc>
      <image:title>Answers - Can Chapter 13 Bankruptcy Help Me Save My Home? - Well, the short answer is, “Yes!”</image:title>
      <image:caption>Chapter 13 bankruptcy is helpful to homeowners behind on their mortgage payments who need time to catch up. In Chapter 13 bankruptcy, homeowners delay or prevent foreclosure while they pay past due debt on their mortgage. (Unpaid mortgage debt is called “mortgage arrearage.”)  In some cases, homeowners can also eliminate second or third mortgages.  In Chapter 13 bankruptcy, you will pay all or a portion of your debt over time using a repayment plan crafted by your attorney. Under a Chapter 13 plan, homeowners get 36 or 60 months to pay off their mortgage arrearage.  The length of the repayment plan depends on your income and the total debt you have.  To learn more about the Chapter 13 Plan, click here. Chapter 13 bankruptcy is helpful to homeowners behind on their mortgage payments who need time to catch up. In Chapter 13 bankruptcy, homeowners delay or prevent foreclosure while they pay past due debt on their mortgage. (Unpaid mortgage debt is called “mortgage arrearage.”)  In some cases, homeowners can also eliminate second or third mortgages.</image:caption>
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  <url>
    <loc>https://www.ianetti.legal/answers/crafting-a-chapter-13-plan-confirmed-by-design</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-29</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1590772924776-SD3CZ4RAHPF06CGDBJZP/image-asset.jpeg</image:loc>
      <image:title>Answers - Crafting a Chapter 13 Plan: Confirmed by Design! - Chapter 13 bankruptcy enables individuals with regular income to propose a plan to repay all or part of their debt, and the opportunity to catch up on delinquent mortgage and car payments.</image:title>
      <image:caption>If you are behind on your mortgage and facing foreclosure, or in arrears on car payments and dealing with repossession, you can stop creditors in their tracks by filing Chapter 13 bankruptcy and proposing a repayment plan.</image:caption>
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  <url>
    <loc>https://www.ianetti.legal/answers/bankruptcy-credit-counseling</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-07-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1587396429151-I3EG35W4HUNKIW7M87OG/laptop.png</image:loc>
      <image:title>Answers - Bankruptcy Credit Counseling: What, When, How &amp;amp; Why.</image:title>
      <image:caption>Take the Counseling &amp; Debtor Education Courses Online!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1587396193830-HWRTNUTK3DVYO972RVTK/Credit+Counseling.jpeg</image:loc>
      <image:title>Answers - Bankruptcy Credit Counseling: What, When, How &amp;amp; Why. - The United States Bankruptcy Code requires consumers who file bankruptcy to complete two financial education courses: These are the pre-filing credit counseling course and the pre-discharge debtor education course. Individual bankruptcy filers must complete both courses. Business filers, however, are exempt from the requirement.</image:title>
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  <url>
    <loc>https://www.ianetti.legal/answers/all-about-the-341a-meeting-of-creditors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-27</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1587235441805-QZWDL60EXQM87QZUYTEB/Meet+the+Trustee.jpeg</image:loc>
      <image:title>Answers - The 341a Hearing - Time to Meet the Trustee and Creditors! - The 341a Meeting of Creditors is a mandatory meeting all bankruptcy filers must attend.</image:title>
      <image:caption>Many people are intimidated by meeting the trustee and creditors. There is no need to worry. The meetings take place in large rooms, and if yours is not the first case called, there will be time to watch other cases and hear the trustee's questions.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1587396545392-LZP2WH5LOSOM8988D5Z7/One+Newark+Center.jpg</image:loc>
      <image:title>Answers - The 341a Hearing - Time to Meet the Trustee and Creditors! - Where are the Meetings Held?</image:title>
      <image:caption>For residents filing in northern New Jersey, the 341a Meeting of Creditors takes place at One Newark Center, on the 14th floor, in Newark. The building, also known as Seton Hall Law School, is at the intersection of McCarter Highway (Route 21) and Raymond Boulevard. One Newark Center is one block west of Pennsylvania Station. For directions, click here.</image:caption>
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  <url>
    <loc>https://www.ianetti.legal/answers/post-conviction-relief-unjust-conviction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-27</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1589586079195-H4O81HUB2QD5IEGRTDIK/image-asset.jpeg</image:loc>
      <image:title>Answers - Post Conviction Relief: When a Conviction is Unjust. - Post-conviction relief is sometimes called conviction integrity because the procedure ensures that the conviction is just.</image:title>
      <image:caption>Post-conviction relief is the name of the legal process used to challenge a verdict or sentence in a criminal case following a conviction. In post-conviction relief, the petitioner seeks to challenge the outcome of a case based on newly discovered evidence and, sometimes, because his or her trial or appellate attorney was ineffective. Post-conviction relief differs from an appeal. Usually, an appeal involves a review of the trial record only.  In a post-conviction relief proceeding, the court examines matters outside of the existing trial record. New Jersey Court Rule 3:22 states the grounds on which a PCR petition may be filed and the parameters of the litigation.  R. 3:22.1 provides -</image:caption>
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  <url>
    <loc>https://www.ianetti.legal/answers/managing-debt-is-bankruptcy-the-only-option</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-07-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1589903452519-X2UD8CNFLHM26MD7FMXP/image-asset.jpeg</image:loc>
      <image:title>Answers - Managing Debt: Is Bankruptcy the Only Option? - We recommend that you consult an experienced debt-relief attorney before taking out a personal loan or hiring a debt settlement agency.</image:title>
      <image:caption>At the law firm of Ernest G. Ianetti, Esq., we explore various debt-relief options with our clients and recommend bankruptcy only as a last resort. If you’re struggling with debt, call us for a FREE consultation.  We’ll review your situation and craft a personalized solution to help you get out of debt. Get a good night’s sleep and start fresh. To schedule a FREE Consultation, click here.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1589903020330-96N2JS9BIYZN46G78MST/image-asset.jpeg</image:loc>
      <image:title>Answers - Managing Debt: Is Bankruptcy the Only Option? - Are facing a mountain of debt? Realizing you are in over your head can be emotionally traumatic. Debt is crushing; it keeps you awake at night, interferes with your relationships, and can even impair job performance. Plus, it’s just depressing to be behind the eight ball.</image:title>
      <image:caption>Bankruptcy is not the only option! You attorney can help you evaluate debt relief options and guide you to an option that works for you.</image:caption>
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  <url>
    <loc>https://www.ianetti.legal/answers/how-much-does-it-cost-to-file-chapter-7-bankruptcy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-07-08</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1590941106125-50JPCYVNAIDG699MET06/Hire+a+Rockaway+Bankruptcy+Attorney</image:loc>
      <image:title>Answers - How Much Does It Cost to File Chapter 7 Bankruptcy? - If you are considering filing Chapter 7 Bankruptcy, the first questions to ask are what it will cost, and is the expense worth it.  If you’re deep in debt, every penny counts, so you need to be cost-conscious. Still, you need an experienced attorney who provides personalized services that match your unique circumstances.</image:title>
      <image:caption>An attorney who brings experience and personalized service to your case is always your best option.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1590941600059-7MNRVR4H5R8WOPBA1JUN/Morris+county+Bankruptcy+Attorney+Interview</image:loc>
      <image:title>Answers - How Much Does It Cost to File Chapter 7 Bankruptcy? - If you are considering bankruptcy, take time to find an experienced attorney who is willing to invest time in you and your case. Interview several attorneys and meet the paralegals and legal secretary who handle your attorney’s files. Do this because you’ll hire the team, not the lawyer. When you meet with Ernest G. Ianetti, Esq., we’ll take time together to discuss your situation and get you started on the right path to financial freedom.</image:title>
      <image:caption>The Law Firm of Ernest G. Ianetti, Esq. has over 30 years of professional experience.  If you are considering Chapter 7 bankruptcy, we can help you.  To schedule a FREE Consultation, click here.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1590941267544-PGEEHHF9YIXCJBGSJ2F3/A+lawyer%E2%80%99s+time+and+advice+are+his+stock+in+trade</image:loc>
      <image:title>Answers - How Much Does It Cost to File Chapter 7 Bankruptcy? - “A lawyer’s time and advice are his stock in trade.”</image:title>
      <image:caption>Abraham Lincoln</image:caption>
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  <url>
    <loc>https://www.ianetti.legal/answers/why-does-she-have-more-parenting-time-than-me</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-07-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1591522556981-2YIETZ45CJ2W2IPI5WYY/Morris+County+Child+Custody+Lawyer+Ernest+G.+Ianetti</image:loc>
      <image:title>Answers - Why Does She Have More Parenting Time Than Me? - In a world where both parents work, and fathers raise children, the presumption that mothers automatically get primary custody no longer exists. Despite that, often one parent gets far less parenting time than the other.</image:title>
      <image:caption>While every case is different, three overarching fact patterns commonly dictate which parent gets a better shake in court. Knowing what makes a difference can give you an advantage if you must litigate child custody, so read on.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1591524440998-0469XPVTI4WWAXO9VJOT/Rockaway+Child+Custody+Lawyer+Ernest+G.+Ianetti</image:loc>
      <image:title>Answers - Why Does She Have More Parenting Time Than Me? - A parent who cannot control his or her anger will be at a disadvantage.</image:title>
      <image:caption>Take the high road and always exercise good judgment and self-control.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.ianetti.legal/answers/debt-solutions-bankruptcy-v-debt-settlement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-07-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1593726132222-69X2HSXHH58SZTAS0DWD/Morris+County+Bankruptcy+Attorney%2C+Ernest+G.+Ianetti%2C+Esq.</image:loc>
      <image:title>Answers - Debt Solutions: Bankruptcy v. Debt Settlement - Debt settlement is a term used to describe negotiating with your creditors. to force them to accept less money than you owe.</image:title>
      <image:caption>Debt settlement companies, called “DSCs,” do this work for you, but you must pay them whether they reduce your debt or not. DSC fees are usually between 20% and 25% of your total debt, although some DSCs charge a percentage of what they save you. DSCs also charge additional fees for things like setting up your account.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1593726216673-XAITEWIJKHA8ET4M85F8/Become+Debt+Free+in+Just+a+Few+Months%3B+Rockaway+Bankruptcy+Attorney</image:loc>
      <image:title>Answers - Debt Solutions: Bankruptcy v. Debt Settlement - There are Few Guarantees in Life, but Compared to Debt Settlement, Bankruptcy Comes Pretty Close</image:title>
      <image:caption>Becoming debt-free takes just a few months!</image:caption>
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  </url>
  <url>
    <loc>https://www.ianetti.legal/answers/this-isnt-forever-manage-your-finances-protect-your-credit-land-on-your-feet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-07-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1593992064828-O3KNJ3YRBQQ7HU6MI2ZH/image-asset.jpeg</image:loc>
      <image:title>Answers - This Isn’t Forever: Protect Your Credit, &amp;amp; Land on Your Feet - News reports indicate a wave of new bankruptcy filings in response to the financial hardship caused by the COVID-19 pandemic.</image:title>
      <image:caption>If you’re thinking of bankruptcy as an option call us for FREE consultation. Video and phone consults are available for the duration of the pandemic.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1593991518431-UKQBNC1PNMFZEPRDFA0Z/Planning+for+COVID+19+Recovery</image:loc>
      <image:title>Answers - This Isn’t Forever: Protect Your Credit, &amp;amp; Land on Your Feet - At Ernest G. Ianetti, Esq., our top priority is the health and safety of our employees, our clients, and their families.</image:title>
      <image:caption>As the COVID-19 situation continues to evolve, we are doing all we can to help protect our employees and clients. Staying healthy and safe are the top priorities, but you may also be concerned about how current economic conditions will affect your finances. Managing your personal finances and using the resources available to you will help get you through the crisis, and land on your feet when it’s finally over. Here are a few simple ideas to help you keep your finances and credit rating on solid ground.</image:caption>
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  <url>
    <loc>https://www.ianetti.legal/answers/new-jersey-alimony-when-can-i-retire</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-01-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1611059071981-1SGE5T9ERUC6Z4LKOBZE/image-asset.jpeg</image:loc>
      <image:title>Answers - New Jersey Alimony: When Can I Retire? - Alimony: Legalese for an arrangement where one spouse pays the other a stipend to equalize the parties’ income after divorce. Theoretically, alimony enables both parties to maintain the standard of living enjoyed during the marriage.</image:title>
      <image:caption>The idea two people can separate a maintain the standard of living they enjoyed during the marriage is plain claptrap!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1611060394841-X2JW36T8PJ9V559L00BA/image-asset.jpeg</image:loc>
      <image:title>Answers - New Jersey Alimony: When Can I Retire? - What Is My Full Retirement Age?</image:title>
      <image:caption>N.J.S.A. 2A:34-23 provides: “Full retirement age” shall mean the age at which a person is eligible to receive full retirement for full retirement benefits under section 216 of the federal Social Security Act ( 42 U.S.C. 416 ).  Federal law changes occasionally.  Currently, “full retirement age” is based on birth year: 1943-1954 - 66 years 1955 - 66 years and 2 months 1956 - 66 years and 4 months 1957 - 66 years and 6 months 1958 - 66 years and 8 months 1959 - 66 years and 10 months 1960 and later - 67 years Note: People born on January 1 of any year, refer to the previous year.</image:caption>
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  <url>
    <loc>https://www.ianetti.legal/answers/bankruptcy-abandonment-what-it-means-to-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1612706818971-FQYCFUJ5EMX52VDT02VV/abandoned+property</image:loc>
      <image:title>Answers - Bankruptcy Abandonment: What it Means to You - In most cases, if the Chapter 7 bankruptcy trustee abandons your property, you get to keep it. It’s yours!</image:title>
      <image:caption>Most Chapter 7 cases are “no asset” cases. That means there is no property the trustee can liquidate to raise money for the benefit of your creditors.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1590845914475-SAO0VZS9JOB34OVMPSCH/Rockaway+NJ+Bankruptcy+Attorney+Bankruptcy+Exemptions</image:loc>
      <image:title>Answers - Bankruptcy Abandonment: What it Means to You - Your attorney will help you complete Bankruptcy Schedules A, B and C, to ensure you you list your property values and exemption amounts correctly.</image:title>
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  <url>
    <loc>https://www.ianetti.legal/answers/discharging-recent-credit-card-debt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-04-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1617715751519-HF6G2ADIUKFV11B40X5S/unsplash-image-l-xiJj0EZzA.jpg</image:loc>
      <image:title>Answers - When a Debtor is Living on Credit: Discharging Recent Credit Card Debt! - We carefully review your recent expenditures to ensure your debts are dischargeable.</image:title>
      <image:caption>Our clients can relax knowing the are in good hands.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1619198479954-H8VOSD2TCFUA9VFFDCDV/GettyImages-1137281183.jpg</image:loc>
      <image:title>Answers - When a Debtor is Living on Credit: Discharging Recent Credit Card Debt! - Bankruptcy clients are always in dire financial straights.</image:title>
      <image:caption>Commonly, individuals who file bankruptcy use their credit cards to pay for basic living expenses during the months before they file bankruptcy. Using one credit card to pay another and a new card for groceries and gas is typical. This leads to the question of whether recent debt can be discharged in a bankruptcy proceeding. The short answer is, “YES!”</image:caption>
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    <loc>https://www.ianetti.legal/answers/category/Criminal</loc>
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    <loc>https://www.ianetti.legal/answers/category/Alimony</loc>
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    <loc>https://www.ianetti.legal/answers/category/Post+Conviction+Relief</loc>
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    <loc>https://www.ianetti.legal/answers/category/Family</loc>
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    <loc>https://www.ianetti.legal/answers/category/Bankruptcy</loc>
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    <loc>https://www.ianetti.legal/answers/tag/Rockway+Bankruptcy+Attorney</loc>
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    <loc>https://www.ianetti.legal/answers/tag/Morris+County+Chapter+11+Attorney</loc>
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  <url>
    <loc>https://www.ianetti.legal/home</loc>
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    <lastmod>2024-05-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1587643390489-NHGVOQ64T0VYVB43LY99/meet%2Bernest.jpg</image:loc>
      <image:title>Bankruptcy | Family Law | Criminal Law - Meet Ernest.</image:title>
      <image:caption>Ernest G. Ianetti, Esq. has been practicing law for over 30 years, since 1986. Ernest is a graduate of Rutgers University Law School, Newark and a summa cum laude graduate of Fairleigh Dickinson University, Rutherford. Ernest is admitted to practice in the following courts: United States Supreme Court United State Court of Appeals, Third Circuit United States District Court, District of New Jersey United States Bankruptcy Court, District of New Jersey State of New Jersey, All Courts Territorial Court of the United States Virgin Island</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1587643888074-2FPRJRUPQRYD71BZWV8L/Practice+Areas+Family+Law+Final.jpg</image:loc>
      <image:title>Bankruptcy | Family Law | Criminal Law</image:title>
      <image:caption>Family Law &amp; Domestic Violence. Divorce, domestic violence, and child custody cases are high stakes, high stress, legal matters. To achieve the best outcome for our clients and their children, we favor mediation and compromise. But, if negotiations break down, we’ll litigate your case and fight for your rights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1587643869207-SGBBD6ITDOCQQX0JKUOV/Practices+Areas+Bankruptcy+Final.jpg</image:loc>
      <image:title>Bankruptcy | Family Law | Criminal Law</image:title>
      <image:caption>Bankruptcy 7, 13, 11 &amp; Debt Relief. Are you struggling with debt? Call the Law Office of Ernest G. Ianetti, Esq. to learn how you can get a good night’s sleep and fresh start. We work closely with you to examine all debt relief options and propose practical solutions. We offer customized strategies and payment plans tailored to your needs. We offer Chapter 7, 13, and 11 bankruptcy, foreclosure defense and debt relief strategies.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1587643915531-6J9QOE3LD1TQ3O7QO4BZ/Practice+Areas+Criminal+Law+Final.jpg</image:loc>
      <image:title>Bankruptcy | Family Law | Criminal Law</image:title>
      <image:caption>Criminal Defense, Appeals &amp; PCRs. Ernest G. Ianetti began his career working with Raymond A. Brown, Esq., one of the nation’s foremost criminal defense and civil rights attorneys. The Ianetti firm has represented criminal defendants involved in white collar crimes, Medicaid fraud, violent crimes, including capital matters, and street crimes.</image:caption>
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  <url>
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    <lastmod>2024-05-26</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1587482051485-ZWIZBUMYZAAE7HRR1V0F/meet+ernest.jpg</image:loc>
      <image:title>About Us - Meet Ernest.</image:title>
      <image:caption>Ernest G. Ianetti, Esq. has been practicing for 30 years law, since 1986. Ernest is a graduate of Rutgers University Law School, Newark and a summa cum laude graduate of Fairleigh Dickinson University, Rutherford. Ernest is admitted to practice in the following courts: United States Supreme Court United State Court of Appeals, Third Circuit United States District Court, District of New Jersey United States Bankruptcy Court, District of New Jersey State of New Jersey, All Courts Territorial Court of the United States Virgin Islands</image:caption>
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      <image:title>About Us</image:title>
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      <image:title>About Us</image:title>
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    <image:image>
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      <image:title>About Us</image:title>
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  <url>
    <loc>https://www.ianetti.legal/contact-us</loc>
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  <url>
    <loc>https://www.ianetti.legal/bankruptcy</loc>
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    <lastmod>2020-07-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1588602083704-R60FU8SBK54OI9I3HG7E/Chapter+7+Start+Fresh</image:loc>
      <image:title>Morris County Bankruptcy Attorney</image:title>
      <image:caption>Chapter 7 Fresh Start Chapter 7 is for people who need a fresh start. If you’re overwhelmed by debt and ready to wipe the slate clean, Ernest G. Ianetti, Esq. can help. When you file Chapter 7 bankruptcy, the automatic stay stops creditors in their tracks. That means all collection activity against you, including foreclosures, repossessions, garnishments, and evictions ends. In Chapter 7, Individuals and married couples discharge their debts within a two to three months of filing. By applying the bankruptcy exemptions, most filers retain their homes, retirement savings and other assets. Ernest G. Ianetti, Esq. has been helping people like you get out of debt and start fresh for more than 30 years. Call to get the help you need.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1588601892393-4VGI54VLZ2O6O98A30LS/Chapter+11+Get+Your+Business+Back+on+Track</image:loc>
      <image:title>Morris County Bankruptcy Attorney</image:title>
      <image:caption>Chapter 11 On Track Chapter 11 bankruptcy is a way for commercial enterprises and high net-worth individuals to reorganize their debt while they continue to do business. In Chapter 11, debtors can repay creditors under a court-approved plan of reorganization. The Chapter 11 Plan requires court approval, and the debtor is obligated to provide all creditors with a disclosure statement to help them understand the debtor’s financial circumstances and evaluate the plan. Businesses that file for Chapter 11 return to financial stability by repaying some debts and discharging others, including burdensome contracts and leases. In many cases, Chapter 11 bankruptcy enables business debtors to reduce debt, and become a profitable, reorganized business.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1588601863101-A4URIMQCBGGQPGA04OS4/Chapter+13+Plan+to+Pay+Your+Debt</image:loc>
      <image:title>Morris County Bankruptcy Attorney</image:title>
      <image:caption>Chapter 13 Plan It Chapter 13 bankruptcy was established to for individuals who want to pay their debts but are presently unable to do so, even though they have a regular source of income. With the help of a skilled bankruptcy attorney, Chapter 13 filers present a plan pay their debt to the court. The plan demonstrates how debtors propose to pay their creditors over a reasonable period of time — usually between 3 to 5 years. If their plan is approved, debtors make payments to the creditors through a trustee. While the plan is in effect, debtors are protected from lawsuits, wage garnishments, and harassment by creditors. Once the plan is completed, any remaining debt is discharged.</image:caption>
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  <url>
    <loc>https://www.ianetti.legal/341a-meeting-directions</loc>
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    <lastmod>2020-05-15</lastmod>
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  <url>
    <loc>https://www.ianetti.legal/family-law</loc>
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    <priority>0.75</priority>
    <lastmod>2024-05-26</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1589569804763-KZDP7W6S6PPZ61BZ6GPK/image-asset.jpeg</image:loc>
      <image:title>Morris County Family Law</image:title>
      <image:caption>Domestic Violence Domestic violence cases involve family law and criminal law issues. If you are a victim of domestic violence, you need a trial attorney to prosecute your request for a final domestic violence restraining order. Winning a final restraining order may be the only way to protect yourself and your children from further acts of domestic violence. If you’ve been falsely accused of domestic violence, you need an attorney experienced in both family law and criminal law to defend you. Ernest G. Ianetti, Esq. has been going to court for over 30 years. He is a practiced family law and criminal law attorney. Ernest G. Ianetti, Esq., routinely prosecutes and defends domestic violence cases, including all related criminal charges. Whether you are the victim or the accused, you need an experienced trial attorney to represent you. Call now for a FREE case assessment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1589569552470-P7EN65JDRZYY8WVI0AAI/image-asset.jpeg</image:loc>
      <image:title>Morris County Family Law</image:title>
      <image:caption>Divorce New Jersey is a “No-Fault” divorce state. That means if one party wants to end the marriage, the other has no choice. Of course, a party can still bring “fault-based” claims, but, in the end, divorce is about financial issues: the equitable distribution of marital property, and the fair payment of support. Usually, these issues are quickly settled. But, problems occur when a party attempts to hide assets or income, or when a party is deliberately under-employed. In those cases, experts must unearth hidden assets and income, determine employability, and value property, including real estate, retirement funds, and family-owned businesses. Ernest G. Ianetti works hard to ensure his family law clients receive fair and equitable support and property awards. If you are facing divorce, call for a FREE initial case assessment. We’ll discuss your situation in complete confidence and help you end your marriage fairly, with dignity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e9b329a104f3437f8319fd9/1589569616312-BY63LQ6R5YWIVHQU861P/image-asset.jpeg</image:loc>
      <image:title>Morris County Family Law</image:title>
      <image:caption>Child Custody For mot parents, disputes over child custody are heart-wrenching. And, then, there are your children: When parents go to war, children are caught in the middle and often suffer devastating emotional consequences. Ernest G. Ianetti, Esq. is committed to a child-focused approach to custody. Our clients are always encouraged to resolve disputes in ways that benefit their children. Sometimes, however, one parent focuses on winning, no matter the cost. When that happens, we go to court and fight for your children and your right to parent them. Over a 30-year career, Ernest has litigated dozens of child custody cases, including a child abduction case litigated in Paris and a five-years long custody battle fought in Bergen County that followed a severe act of domestic violence. In both cases, Ernest’s clients and their children saw successful outcomes.</image:caption>
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  </url>
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    <lastmod>2024-05-26</lastmod>
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      <image:title>Morris County Criminal Law</image:title>
      <image:caption>Appeals &amp; PCRs</image:caption>
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      <image:caption>Criminal Trials</image:caption>
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