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    <title type="text">Simon, Monahan &amp; Simon L.L.C.</title>
    <subtitle type="text">Comprehensive Legal Services From Attorneys Who Get Results</subtitle>

    <updated>2026-06-19T14:09:18Z</updated>

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        <entry>
            <author>
									                    <name>On Behalf of Simon, Monahan &amp; Simon L.L.C.</name>
				            </author>
            <title type="html"><![CDATA[Can you be evicted from an illegal apartment in New Jersey?]]></title>
            <link rel="alternate" type="text/html" href="https://www.simonmonahanlaw.com/blog/2026/06/can-you-be-evicted-from-an-illegal-apartment-in-new-jersey/" />
            <id>https://www.simonmonahanlaw.com/?p=47322</id>
            <updated>2026-06-19T14:09:18Z</updated>
            <published>2026-06-19T14:09:18Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[If your landlord is trying to force you out of his illegal apartment, you have to know your rights. Even though an apartment is illegal, you are still protected by renters’ rights. In other words, the landlord has to follow the formal eviction procedures.  Your eviction rights still matter It is not uncommon for homeowners to convert a basement or…]]></summary>
			                <content type="html" xml:base="https://www.simonmonahanlaw.com/blog/2026/06/can-you-be-evicted-from-an-illegal-apartment-in-new-jersey/"><![CDATA[<span style="font-weight: 400;">If your landlord is trying to force you out of his illegal apartment, you have to know your rights. Even though an apartment is illegal, you are still protected by renters’ rights. In other words, the landlord has to follow the formal eviction procedures. </span>
<h2><span style="font-weight: 400;">Your eviction rights still matter</span></h2>
<span style="font-weight: 400;">It is not uncommon for homeowners to convert a basement or attic into a rental unit without proper town permits. When zoning violation laws finally catch up to them, you don’t have to bear the brunt of their risk-taking. In situations like this, the property owner generally must obtain a court order to lock you out of the house. Until they obtain that order, they may not:</span>
<ul>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Change the locks to bar you from the property.</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Shut off utilities like water, gas or electricity.</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Remove your belongings or force you onto the street.</span></li>
</ul>
<span style="font-weight: 400;">Any shortcut your landlord takes to bypass the court system may lead to legal action.</span>
<h2><span style="font-weight: 400;">Relocation compensation under New Jersey law</span></h2>
<span style="font-weight: 400;">If the homeowner succeeds in getting the court order to vacate the apartment for bringing the apartment into compliance, you may have to vacate the apartment pursuant to the court's order. Nevertheless, in situations like this, </span><a href="https://www.nj.gov/dca/codes/publications/pdf_lti/evic_law.pdf" target="_blank" rel="noopener noreferrer" data-wpel-link="external"><span style="font-weight: 400;">New Jersey law</span></a><span style="font-weight: 400;"> dictates that the homeowner pay the tenant relocation fee that is equivalent to six months' rent. </span>

<span style="font-weight: 400;">Furthermore, if the homeowner tries to evict you under the guise of non-payment of rent, you can still contest the action. Depending on the circumstances and applicable law, the landlord may owe you relocation assistance. Based on the landmark New Jersey Supreme Court ruling in Miah v. Ahmed, a landlord usually cannot offset this mandatory six-month relocation compensation against any back rent they claim you owe. </span>
<h2><span style="font-weight: 400;">Why legal guidance may be valuable</span></h2>
<span style="font-weight: 400;">While facing eviction, you will be under immense stress. However, with legal guidance, you may be able to manage the situation better, as a </span><a href="https://www.simonmonahanlaw.com/real-estate/" data-wpel-link="internal"><span style="font-weight: 400;">real estate attorney</span></a><span style="font-weight: 400;"> can help you evaluate your case, understand your rights and determine better strategies moving forward.</span>]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Simon, Monahan &amp; Simon L.L.C.</name>
				            </author>
            <title type="html"><![CDATA[What are alternatives to litigation?]]></title>
            <link rel="alternate" type="text/html" href="https://www.simonmonahanlaw.com/blog/2026/06/what-are-alternatives-to-litigation/" />
            <id>https://www.simonmonahanlaw.com/?p=47320</id>
            <updated>2026-06-08T13:18:39Z</updated>
            <published>2026-06-08T13:18:39Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Corporate disputes drain a company’s time, money, and focus, pulling leadership away from growth and daily operations. While going to court can be effective, true corporate strategy relies on knowing exactly when to avoid litigation using alternative paths, and when a conflict is critical enough to be worth going to trial. As a business leader, assessing these options logically allows…]]></summary>
			                <content type="html" xml:base="https://www.simonmonahanlaw.com/blog/2026/06/what-are-alternatives-to-litigation/"><![CDATA[Corporate disputes drain a company’s time, money, and focus, pulling leadership away from growth and daily operations. While going to court can be effective, true corporate strategy relies on knowing exactly when to avoid litigation using alternative paths, and when a conflict is critical enough to be worth going to trial.

As a business leader, assessing these options logically allows you to address disagreements efficiently without tanking your bottom line. Striking this balance may help you protect your company’s daily resources while still aggressively defending its long-term assets.
<h2>What is alternative dispute resolution?</h2>
Alternative dispute resolution (ADR) refers to any method of <a href="https://www.simonmonahanlaw.com/business-and-commercial-law/" data-wpel-link="internal">settling a business dispute</a> outside of court. These processes allow parties to <a href="https://www.law.cornell.edu/wex/alternative_dispute_resolution" data-wpel-link="external" target="_blank" rel="noopener noreferrer">straighten out disagreements</a> through structured discussions. ADR methods typically cost less, conclude faster and remain confidential compared to public court proceedings.

Business owners are choosing this option because it gives them more control over the outcome. Unlike a judge's ruling, ADR solutions often reflect creative compromises tailored to each party's specific business needs.
<h2>Mediation and arbitration</h2>
The two most common forms of ADR are mediation and arbitration, and they work very differently. Mediation involves a neutral third party who helps disputing parties reach a voluntary agreement. The mediator does not impose a decision but helps productive dialogue. This approach works well when both sides want to maintain a business relationship.

Meanwhile, arbitration resembles a private trial where an arbitrator hears evidence and issues a binding decision. While more formal than mediation, it still offers more flexibility and privacy than traditional litigation.
<h2>Know when litigation is worth it</h2>
It is vital to know when to push for a trial and when to skip it. Out-of-court options may help you save resources cash, but they fail if the other party refuses to cooperate. It is wise to look at the big picture so you only initiate a lawsuit when the payoff is clearly bigger than the risk.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Simon, Monahan &amp; Simon L.L.C.</name>
				            </author>
            <title type="html"><![CDATA[Will I lose my CDL after a DUI conviction?]]></title>
            <link rel="alternate" type="text/html" href="https://www.simonmonahanlaw.com/blog/2026/05/will-i-lose-my-cdl-after-a-dui-conviction/" />
            <id>https://www.simonmonahanlaw.com/?p=47318</id>
            <updated>2026-05-28T13:59:36Z</updated>
            <published>2026-05-28T13:59:36Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[As a commercial driver, you face immense pressure during a drunk driving arrest because your job depends on a clean record. Without a commercial driver’s license (CDL), you may be looking at the end of your career. In New Jersey, the rules regarding commercial licenses are exceptionally strict, and an arrest can jeopardize your employment even if you were driving…]]></summary>
			                <content type="html" xml:base="https://www.simonmonahanlaw.com/blog/2026/05/will-i-lose-my-cdl-after-a-dui-conviction/"><![CDATA[As a commercial driver, you face immense pressure during a drunk driving arrest because your job depends on a clean record. Without a commercial driver’s license (CDL), you may be looking at the end of your career.

In New Jersey, the rules regarding commercial licenses are exceptionally strict, and an arrest can jeopardize your employment even if you were driving your personal vehicle at the time. Knowing these specific regulations may help you prepare for the challenges ahead in the legal system.
<h2>Drunk driving leads to a suspended CDL</h2>
New Jersey law mandates a one-year loss of commercial driving rights for a first-time <a href="https://www.simonmonahanlaw.com/criminal-law/traffic-violations/" data-wpel-link="internal">driving under the influence (DUI) conviction</a> while operating any vehicle. This fine applies even if you were driving your personal car when the incident occurred.

Meanwhile, a second conviction in a passenger vehicle carries much harsher penalties. This offense results in a two-year suspension of your basic license and the permanent revocation of your CDL.
<h2>Reinstating a suspended CDL</h2>
If you face a lifetime commercial license disqualification, there is a specific pathway to seek relief. In the state, drivers with a lifetime suspension can <a href="https://www.nj.gov/mvc/drivertopics/cdlviolations.htm" data-wpel-link="external" target="_blank" rel="noopener noreferrer">submit a formal Lifetime CDL Suspension Reinstatement Application</a>.

You may submit your application, along with all required supporting documentation, directly to the Motor Vehicle Commission via mail, email or fax. Once received, authorities conduct a thorough review to ensure the applicant satisfies all statutory criteria for restoration.

Following this evaluation, you will receive a formal written notification stating whether you are allowed to get back on the road.

That said, your eligibility for the application depends on the specific nature of the offense and your overall driving history. Most drivers must complete the full term of their suspension before they can request their commercial license back.
<h2>Getting back on the road after a drunk driving charge</h2>
Facing these charges feels overwhelming, but clear information provides a path toward resolving your difficult situation. It is recommended to complete your required suspension time and attend all mandatory programs required. This way, you have a better chance of getting back behind the wheel and securing your livelihood.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Simon, Monahan &amp; Simon L.L.C.</name>
				            </author>
            <title type="html"><![CDATA[What are mistakes to avoid before filing for bankruptcy?]]></title>
            <link rel="alternate" type="text/html" href="https://www.simonmonahanlaw.com/blog/2026/05/what-are-mistakes-to-avoid-before-filing-for-bankruptcy/" />
            <id>https://www.simonmonahanlaw.com/?p=47316</id>
            <updated>2026-05-19T13:58:01Z</updated>
            <published>2026-05-19T13:58:01Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[When you are overwhelmed by debt, deciding to file for bankruptcy can feel like a massive relief. However, the weeks and months leading up to your actual filing are critical. Simple, well-intentioned choices can accidentally jeopardize your case, delay your financial relief or even lead to accusations of fraud. Knowing what not to do is crucial if you are determined…]]></summary>
			                <content type="html" xml:base="https://www.simonmonahanlaw.com/blog/2026/05/what-are-mistakes-to-avoid-before-filing-for-bankruptcy/"><![CDATA[When you are overwhelmed by debt, deciding to file for bankruptcy can feel like a massive relief. However, the weeks and months leading up to your actual filing are critical.

Simple, well-intentioned choices can accidentally jeopardize your case, delay your financial relief or even lead to accusations of fraud. Knowing what not to do is crucial if you are determined to take this step.
<h2>Transferring assets</h2>
Moving money, putting a car in a relative's name or signing over property to protect it from creditors is a major mistake. The bankruptcy court closely reviews your recent financial history.

If you hide or give away assets before filing, the court can undo those transfers. A judge could seize the property anyway and potentially deny your entire bankruptcy discharge.
<h2>Spending a lot</h2>
Going on a final spending spree or racking up luxury expenses right before you file is a massive red flag. Running up credit card balances for non-essential items, expensive vacations or high-end goods can be viewed as fraud by the court. Creditors can challenge these specific charges, meaning you might still be legally obligated to pay them off even after your bankruptcy is finalized.
<h2>Taking out new loans</h2>
Borrowing more money, opening new credit lines or taking out payday loans to stay afloat right before <a href="https://www.simonmonahanlaw.com/bankruptcy-law/" data-wpel-link="internal">filing for bankruptcy</a> will complicate your case. The court scrutinizes any new debt acquired shortly before a bankruptcy petition. If it looks like you took out loans with no real intention or ability to pay them back, the judge may rule that those specific debts cannot be wiped out.
<h2>Preparing for a successful filing</h2>
The government heavily regulates <a href="https://www.njb.uscourts.gov/understanding-bankruptcy" data-wpel-link="external" target="_blank" rel="noopener noreferrer">the bankruptcy process</a>. Remember, the choices you make today will directly impact your finances in the future. Staying informed about the rules may prevent costly errors and ensure your filing goes as smoothly as possible.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Simon, Monahan &amp; Simon L.L.C.</name>
				            </author>
            <title type="html"><![CDATA[Should unmarried couples buy a home together in New Jersey?]]></title>
            <link rel="alternate" type="text/html" href="https://www.simonmonahanlaw.com/blog/2026/05/should-unmarried-couples-buy-a-home-together-in-new-jersey/" />
            <id>https://www.simonmonahanlaw.com/?p=47313</id>
            <updated>2026-05-12T10:24:06Z</updated>
            <published>2026-05-12T10:24:06Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Buying a home together can be exciting, but when you are not married, the purchase raises important questions about ownership rights, financial obligations and long-term planning. In New Jersey, cohabitation does not create the same property rights as marriage, so establishing clear legal terms before closing is essential. When you buy together, the deed, mortgage and any written agreement can…]]></summary>
			                <content type="html" xml:base="https://www.simonmonahanlaw.com/blog/2026/05/should-unmarried-couples-buy-a-home-together-in-new-jersey/"><![CDATA[Buying a home together can be exciting, but when you are not married, the purchase raises important questions about ownership rights, financial obligations and long-term planning. In New Jersey, cohabitation does not create the same property rights as marriage, so establishing clear legal terms before closing is essential.

When you buy together, the deed, mortgage and any written agreement can affect what happens if one person dies, moves out or wants to sell.
<h2>Choose how you will hold title</h2>
Because the deed controls legal ownership, unmarried partners often choose between two common ownership structures.

A joint tenancy with right of survivorship generally allows the survivor to receive the other owner’s share after death. However, survivorship rights do not remove every concern. An unmarried partner may still need to consider New Jersey inheritance tax because a nonspouse beneficiary can fall under a less favorable tax class than a surviving spouse.

A tenancy in common allows each partner to hold a separate ownership interest in the property, and those interests do not have to be equal. For example, one partner may hold a 60% interest while the other holds 40%. Each owner may also leave their share to a chosen beneficiary through a will.
<h2>Put payment terms in writing</h2>
Unlike spouses going through divorce, unmarried partners do not rely on the same equitable distribution rules if the relationship ends. A <a href="https://www.findlaw.com/family/living-together/sample-cohabitation-agreement.html" target="_blank" rel="noopener noreferrer" data-wpel-link="external">written cohabitation agreement</a> can explain how you will handle the home during the relationship. If you cannot agree on a sale or buyout later, one co-owner may need to file a partition action and ask the court to divide the property or order a sale. This agreement may address:
<ul>
 	<li>Mortgage, tax and insurance payments</li>
 	<li>Repairs, utilities and major home expenses</li>
 	<li>Buyout terms if one partner wants to keep the property</li>
 	<li>How sale proceeds will be divided</li>
 	<li>What happens if contributions stop</li>
</ul>
Putting these terms in writing can make each person’s expectations clearer before problems arise.
<h2>Understand the mortgage risk</h2>
The deed controls ownership, but the mortgage controls who owes the lender. If both names are on the loan, the lender may hold either party liable for the entire debt. If the other borrower stops paying their share, you may still be responsible for the full amount.

Reviewing how title, loans and written agreements work together before closing can help <a href="https://www.simonmonahanlaw.com/real-estate/" target="_blank" rel="noopener" data-wpel-link="internal">protect your investment</a> and prevent future legal confusion.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Simon, Monahan &amp; Simon L.L.C.</name>
				            </author>
            <title type="html"><![CDATA[Can police officers search your vehicle during an arrest?]]></title>
            <link rel="alternate" type="text/html" href="https://www.simonmonahanlaw.com/blog/2026/04/can-police-officers-search-your-vehicle-during-an-arrest/" />
            <id>https://www.simonmonahanlaw.com/?p=47311</id>
            <updated>2026-04-29T10:33:41Z</updated>
            <published>2026-04-29T10:31:06Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Facing an arrest can create confusion about what police may do during the encounter. One common concern involves whether officers can search a vehicle without a warrant. Understanding when police can search your car helps you assess whether officers respected your rights during the encounter. Does an arrest automatically allow a vehicle search? An arrest alone does not give police…]]></summary>
			                <content type="html" xml:base="https://www.simonmonahanlaw.com/blog/2026/04/can-police-officers-search-your-vehicle-during-an-arrest/"><![CDATA[Facing an arrest can create confusion about what police may do during the encounter. One common concern involves whether officers can search a vehicle without a warrant. Understanding when police can search your car helps you assess whether officers respected your rights during the encounter.
<h2>Does an arrest automatically allow a vehicle search?</h2>
An arrest alone does not give police unlimited authority to search your vehicle. The Fourth Amendment protects you from <a href="https://www.uscourts.gov/about-federal-courts/educational-resources/about-educational-outreach/activity-resources/what-does-fourth-amendment-mean" data-wpel-link="external" target="_blank" rel="noopener noreferrer">unreasonable searches and seizures</a>. This means officers generally need either a warrant or a specific legal exception to search your car.

However, certain circumstances connected to your arrest may provide that justification. The key is understanding what specific exceptions allow officers to search without permission or a warrant.
<h2>Under what circumstances can police legally search your vehicle?</h2>
Police must follow specific legal rules before conducting a vehicle search without a warrant. Some legal exceptions include:
<ul>
 	<li aria-level="1"><strong>Search incident to arrest:</strong> A search of areas within the arrestee’s immediate control if there is a risk of access to weapons or evidence of the offense</li>
 	<li aria-level="1"><strong>Automobile exception:</strong> When there is probable cause that a vehicle contains evidence of a crime, if the circumstances meet legal requirements for a warrantless search under state and federal law</li>
 	<li aria-level="1"><strong>Consent:</strong> If the individual voluntarily agrees to the search</li>
 	<li aria-level="1"><strong>Inventory search:</strong> Documentation of vehicle contents when police impound the car.</li>
</ul>
These exceptions do not give police unlimited authority. Courts may review whether the facts support the use of an exception. If the search does not meet legal standards, the court may suppress the evidence.
<h2>What are your rights during a police search?</h2>
During a police stop or arrest, you have the right to understand the legal basis for a vehicle search. A search cannot proceed simply on demand. In many cases, police must have probable cause under the law.

Under New Jersey law, a consent search requires reasonable suspicion that evidence of a crime will be found. In such cases, consent must be voluntary. Officers generally must inform you of your right to refuse before the search.
<h2>Understanding your rights during an arrest</h2>
Vehicle searches during arrests must comply with constitutional standards. While several exceptions allow warrantless searches, officers cannot search your car based only on an arrest. If your vehicle was searched during an arrest, consider seeking legal counsel to help <a href="https://www.simonmonahanlaw.com/criminal-law/" data-wpel-link="internal">review the legality of the search</a> and explore available legal options.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Simon, Monahan &amp; Simon L.L.C.</name>
				            </author>
            <title type="html"><![CDATA[3 ways writing a will protects your family in New Jersey]]></title>
            <link rel="alternate" type="text/html" href="https://www.simonmonahanlaw.com/blog/2026/04/3-ways-writing-a-will-protects-your-family-in-new-jersey/" />
            <id>https://www.simonmonahanlaw.com/?p=47310</id>
            <updated>2026-04-13T15:37:00Z</updated>
            <published>2026-04-13T15:37:00Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Many people avoid writing a will because the process feels tedious and forces them to confront their mortality. However, wills can address your fears about the future. Through them, you can influence what happens to your children and belongings after passing on. You decide who receives your property Without a will, New Jersey courts distribute your property according to the…]]></summary>
			                <content type="html" xml:base="https://www.simonmonahanlaw.com/blog/2026/04/3-ways-writing-a-will-protects-your-family-in-new-jersey/"><![CDATA[Many people avoid writing a will because the process feels tedious and forces them to confront their mortality. However, wills can address your fears about the future. Through them, you can influence what happens to your children and belongings after passing on.
<h2>You decide who receives your property</h2>
Without a will, New Jersey courts distribute your property according to the state’s laws. If this happens, you <a href="https://codes.findlaw.com/nj/title-3b-administration-of-estates-decedents-and-others/nj-st-sect-3b-5-2/" data-wpel-link="external" target="_blank" rel="noopener noreferrer">lose control over your assets</a> and their distribution. By writing a will, you can name your inheritors, making it more likely for your belongings to reach their intended recipients.

You can also make targeted gifts to reduce confusion, such as leaving your house to one child and personal items to another. Outlining your wishes and explaining them through your will can also prevent arguments between family members.
<h2>You can nominate guardians for your children</h2>
If you have minor children, you naturally want to ensure someone cares for them after you pass on. You can do this by naming a guardian in your will. Guardians are responsible for the personal care, custody and upbringing of your children until they become adults.

Without a will, the court follows state law and appoints a guardian. To determine which guardian to appoint, courts examine their relationship with your child and their ability to meet their needs. The responsibility typically falls to your spouse or next of kin.
<h2>Wills let you appoint an executor</h2>
After you pass away, someone must gather your assets, pay your debts and distribute your property. In New Jersey, writing a will allows you to appoint a person to fulfill these duties. This person is known as your executor.

If you do not write a will, the court will appoint an administrator to distribute your property according to New Jersey law. Administrators and executors have similar duties, but a will gives you the power to appoint an executor. You can also name backup executors in case your first choice is unavailable.
<h2>How today’s decisions affect the future</h2>
<a href="https://www.simonmonahanlaw.com/wills-trusts-and-estates/" data-wpel-link="internal">A will ensures</a> your belongings are distributed according to your last wishes. Understanding how wills help your family can prevent infighting and protect your loved ones. Though writing your last wishes can be difficult, it can bring comfort to know they will be honored.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Simon, Monahan &amp; Simon L.L.C.</name>
				            </author>
            <title type="html"><![CDATA[Will bankruptcy put a New Jersey home at risk?]]></title>
            <link rel="alternate" type="text/html" href="https://www.simonmonahanlaw.com/blog/2026/03/will-bankruptcy-put-a-new-jersey-home-at-risk/" />
            <id>https://www.simonmonahanlaw.com/?p=47309</id>
            <updated>2026-03-30T13:42:05Z</updated>
            <published>2026-03-30T13:42:05Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Debt can feel like an overwhelming financial burden, especially when you start worrying about where you live. If you are considering bankruptcy in New Jersey, your biggest fear is likely losing your home. Provided you meet certain legal requirements, federal and state laws offer robust protections to help you keep your residence while reestablishing your financial footing. How much equity…]]></summary>
			                <content type="html" xml:base="https://www.simonmonahanlaw.com/blog/2026/03/will-bankruptcy-put-a-new-jersey-home-at-risk/"><![CDATA[Debt can feel like an overwhelming financial burden, especially when you start worrying about where you live. If you are considering bankruptcy in New Jersey, your biggest fear is likely losing your home.

Provided you meet certain legal requirements, federal and state laws offer robust protections to help you keep your residence while reestablishing your financial footing.
<h2>How much equity can be protected?</h2>
In bankruptcy, the focus is on your equity, meaning the home’s current market value minus what you still owe on your mortgage. In New Jersey, you have the choice between using Federal exemptions or New Jersey State exemptions.

While the federal limits are adjusted every three years, New Jersey recently enacted its own homestead exemption to provide significantly higher protection for many homeowners.

The federal option (Effective April 1, 2025 – March 31, 2028):
<ul>
 	<li aria-level="1">Homestead exemption: You can protect up to $31,575 in equity in your primary residence.</li>
 	<li aria-level="1">Married couples: If you and your spouse file jointly, this amount doubles to $63,150.</li>
 	<li aria-level="1">Wildcard exemption: You also have a "wildcard" of $1,675 plus up to $15,800 of any unused portion of the homestead exemption. This can be used to protect cash, vehicles or other personal assets.</li>
</ul>
Carefully evaluating these federal limits against your current home value is essential to determining how much of your property remains shielded from creditors.
<h2>Which filing type is right for keeping your home?</h2>
The <a href="https://www.simonmonahanlaw.com/bankruptcy-law/" data-wpel-link="internal">type of bankruptcy</a> you choose also matters. In a Chapter 7 bankruptcy, the goal is to wipe out unsecured debt like credit cards. If your chosen exemptions fully cover your home equity and you are current on your payments, you may be able to keep the house.

If you are behind on your mortgage payments,<a href="https://www.uscourts.gov/services-forms/bankruptcy/bankruptcy-basics/chapter-13-bankruptcy-basics" target="_blank" rel="noopener noreferrer" data-wpel-link="external"> Chapter 13 bankruptcy</a> might be a potential remedy. This option creates a three- to five-year repayment plan. It allows you to catch up on missed payments over time while the "automatic stay" prevents the bank from foreclosing on you.
<h2>Your next step: Check your equity</h2>
While bankruptcy can wipe out other debts to alleviate your overall financial burden, it does not eliminate your mortgage. To keep your home, you must continue making your monthly payments.

You may review your most recent mortgage statement and compare your balance to your home’s current market value. Knowing how much equity you have is a vital first step in determining which exemption strategy is right for your situation.

The <a href="https://www.federalregister.gov/documents/2025/02/04/2025-02207/adjustment-of-certain-dollar-amounts-applicable-to-bankruptcy-cases" target="_blank" rel="noopener noreferrer" data-wpel-link="external">Judicial Conference of the United States</a> adjusts federal bankruptcy exemption amounts every three years. The figures above apply to cases filed between April 1, 2025, and March 31, 2028.]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Simon, Monahan &amp; Simon L.L.C.</name>
				            </author>
            <title type="html"><![CDATA[What is the attorney review period in real estate transactions?]]></title>
            <link rel="alternate" type="text/html" href="https://www.simonmonahanlaw.com/blog/2026/03/what-is-the-attorney-review-period-in-real-estate-transactions/" />
            <id>https://www.simonmonahanlaw.com/?p=47308</id>
            <updated>2026-03-09T16:10:58Z</updated>
            <published>2026-03-09T16:10:58Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Buying your first home in New Jersey can be both exciting and daunting. You may want to finalize your home purchase while avoiding financial or legal complications. Most realtor‑prepared residential contracts in New Jersey include a three-business-day attorney review period. This limited period gives you time to have an attorney review the contract before it becomes final. If you understand…]]></summary>
			                <content type="html" xml:base="https://www.simonmonahanlaw.com/blog/2026/03/what-is-the-attorney-review-period-in-real-estate-transactions/"><![CDATA[<span style="font-weight: 400;">Buying your first home in New Jersey can be both exciting and daunting. You may want to finalize your home purchase while avoiding financial or legal complications.</span>

<span style="font-weight: 400;">Most realtor‑prepared residential contracts in New Jersey include a three-business-day </span><span style="font-weight: 400;">attorney</span><span style="font-weight: 400;"> review period. This limited period gives you time to have an </span><span style="font-weight: 400;">attorney</span><span style="font-weight: 400;"> review the contract before it becomes final. If you understand how it works, you can use it to protect your investment.</span>
<h2><span style="font-weight: 400;">How </span><span style="font-weight: 400;">the </span><span style="font-weight: 400;">attorney</span><span style="font-weight: 400;"> review period actually works in New Jersey</span></h2>
<span style="font-weight: 400;">In New Jersey, </span><span style="font-weight: 400;">the </span><span style="font-weight: 400;">attorney</span><span style="font-weight: 400;"> review period typically extends for three business days, excluding weekends and statutory holidays. The </span><a href="https://njclosingguide.com/understanding-the-three-day-rule-of-attorney-review/#:~:text=Once%20this%20first,as%20%E2%80%9CAttorney%20Review.%E2%80%9D" target="_blank" rel="noopener noreferrer" data-wpel-link="external"><span style="font-weight: 400;">three business days</span></a><span style="font-weight: 400;"> begin on the first business day after the fully signed contract </span><span style="font-weight: 400;">is delivered</span><span style="font-weight: 400;"> to both you and the seller.</span>

<span style="font-weight: 400;">During this period, your </span><span style="font-weight: 400;">attorney</span><span style="font-weight: 400;"> can examine the provisions and propose modifications and the seller’s </span><span style="font-weight: 400;">attorney</span><span style="font-weight: 400;"> can do the same. Either </span><span style="font-weight: 400;">attorney</span><span style="font-weight: 400;"> may formally disapprove the contract by sending written notice within the three-day window. If that happens, the contract will not become binding as written. The parties may then negotiate and sign changes </span><span style="font-weight: 400;">they</span><span style="font-weight: 400;"> both agree to.</span>

<span style="font-weight: 400;">This process is common in New Jersey residential sales, but it is not automatic in every state. If an </span><span style="font-weight: 400;">attorney</span><span style="font-weight: 400;"> drafts the contract from the start, it may omit the statutory </span><span style="font-weight: 400;">attorney</span><span style="font-weight: 400;">‑review clause or incorporate alternative review procedures.</span>
<h2><span style="font-weight: 400;">What smart first-time buyers address during review</span></h2>
<span style="font-weight: 400;">You may ideally treat this period as a chance to mitigate potential risk before you spend more on inspections and loan costs. Your </span><span style="font-weight: 400;">attorney</span><span style="font-weight: 400;"> will look closely at </span><a href="/real-estate/" data-wpel-link="internal"><span style="font-weight: 400;">residential contract terms</span></a><span style="font-weight: 400;"> that can affect your rights and your money. During review, common areas of review include:</span>
<ul>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Inspection contingencies and repair terms</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Mortgage contingency deadlines</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Title and survey requirements</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Deposit protections and escrow terms</span></li>
 	<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Closing date and possession details</span></li>
</ul>
<span style="font-weight: 400;">Each change must </span><span style="font-weight: 400;">be put</span><span style="font-weight: 400;"> in writing and accepted by both sides. Clear language now can prevent disputes later.</span>
<h2><span style="font-weight: 400;">Your contract is not final until review ends</span></h2>
<span style="font-weight: 400;">In New Jersey, your contract does not become legally binding until </span><span style="font-weight: 400;">the </span><span style="font-weight: 400;">attorney</span><span style="font-weight: 400;"> review period concludes without disapproval. An </span><span style="font-weight: 400;">attorney</span><span style="font-weight: 400;"> can propose changes during the three days, which can extend review until both sides accept them in writing.</span>

<span style="font-weight: 400;">You deserve to understand what you are signing, which is why a careful review at this stage can reduce uncertainty and support a smoother path to closing.</span>]]></content>
						        </entry>
	        <entry>
            <author>
									                    <name>On Behalf of Simon, Monahan &amp; Simon L.L.C.</name>
				            </author>
            <title type="html"><![CDATA[When is business tort litigation appropriate in New Jersey?]]></title>
            <link rel="alternate" type="text/html" href="https://www.simonmonahanlaw.com/blog/2026/02/when-is-business-tort-litigation-appropriate-in-new-jersey/" />
            <id>https://www.simonmonahanlaw.com/?p=47307</id>
            <updated>2026-02-10T16:14:44Z</updated>
            <published>2026-02-10T16:14:44Z</published>
					<taxo:topics><![CDATA[-]]></taxo:topics>
            <summary type="html"><![CDATA[Business disputes do not necessarily involve broken contracts. In some situations, wrongful conduct causes financial harm to a company even when no agreement controls the relationship. Business tort litigation addresses that type of misconduct under New Jersey law. Understanding business torts A business tort involves unlawful conduct that results in economic loss to a business. These claims focus on actions…]]></summary>
			                <content type="html" xml:base="https://www.simonmonahanlaw.com/blog/2026/02/when-is-business-tort-litigation-appropriate-in-new-jersey/"><![CDATA[<span style="font-weight: 400">Business disputes do not necessarily involve broken contracts. In some situations, wrongful conduct causes financial harm to a company even when no agreement controls the relationship. Business tort litigation addresses that type of misconduct under New Jersey law.</span>
<h2><span style="font-weight: 400">Understanding business torts</span></h2>
<span style="font-weight: 400">A business tort involves unlawful conduct that results in economic loss to a business. These claims focus on actions such as fraud, misrepresentation, or interference with business relationships rather than unmet contractual terms. The law imposes duties of fair dealing and honesty that exist separate from any written agreement.</span>
<h2><span style="font-weight: 400">Situations where tort claims make sense</span></h2>
<span style="font-weight: 400">Business </span><a href="https://www.forbes.com/councils/forbesbusinesscouncil/2025/03/07/addressing-challenges-in-the-mass-tort-industry/" data-wpel-link="external" target="_blank" rel="noopener noreferrer"><span style="font-weight: 400">tort litigation</span></a><span style="font-weight: 400"> becomes appropriate when another party’s conduct causes harm independent of a contract. False statements that damage your company’s reputation or interfere with customer relationships may support a tort claim even without an existing agreement. These cases often involve intentional or reckless behavior.</span>
<h2><span style="font-weight: 400">Common business tort claims in New Jersey</span></h2>
<span style="font-weight: 400">New Jersey recognizes several common business tort claims, including tortious interference with prospective economic advantage and fraud. Claims may also arise from the misuse of confidential or proprietary information. These disputes often depend on detailed facts and the surrounding business context.</span>
<h2><span style="font-weight: 400">Choosing the right legal approach</span></h2>
<span style="font-weight: 400">The decision to pursue a tort claim depends on how the harm occurred. If the dispute centers on contract performance, a breach claim may apply. When deceptive or improper conduct causes separate financial harm, a tort claim may better address the issue.</span>
<h2><span style="font-weight: 400">How business tort litigation fits into dispute strategy</span></h2>
<span style="font-weight: 400">Business tort litigation applies when wrongful conduct disrupts operations, damages reputation, or interferes with business relationships. These claims focus on accountability for harmful actions rather than contract terms alone. Understanding when tort law applies helps you evaluate </span><a href="https://www.simonmonahanlaw.com/business-and-commercial-law/" data-wpel-link="internal"><span style="font-weight: 400">dispute strategy</span></a><span style="font-weight: 400"> and potential outcomes.</span>]]></content>
						        </entry>
	</feed>