Boyer & Vapnar LLC

Our firm uses Bankruptcy laws to both protect and shield our clients. When a Bankruptcy petition is filed, the Automatic Stay goes into effect and all lawsuits that have been commenced against the debtor(s) must stop immediately, unless the Bankruptcy Court grants a creditor permission to lift the stay.

So even if a Mortgage Foreclosure has been started, it must be stopped immediately.This can sometimes add several years to how long you can stay in your house.

A Chapter 7 Bankruptcy is used to eliminate unsecured debts, such as medical bills, personal loans, credit card debts, and deficiencies on any repossessed item.

If you are you ready to stop living in fear of your creditors and start your life over, debt free, call now to schedule a free consultation. Boyer & Vapnar, LLC provides prompt, high quality bankruptcy services in New Jersey to individuals and businesses. Our practice emphasizes the areas of consumer and business bankruptcy. The primary goal of the Bankruptcy Code is to give debtors a "fresh start," without the burden of overwhelming debt, Boyer & Vapnar, LLC can help you get that fresh start!

Chapter 13 Bankruptcy: Allows you to restructure your debt into a payment plan you can afford, and you can complete your Bankruptcy without loosing your most important assets.

At Boyer & Vapnar, LLC, we strive to find manageable and dignified solutions for our indebted clients.

Frequently, our clients, do to know fault of their own, such as through uncovered medical debts, job loss, or an infinite number of other reasons find themselves facing unmanageable debt.

Let Boyer & Vapnar, LLC put the power of the Bankruptcy laws to work for you, so that you can live again, without fear.

When you are charged with DWI, don't make any statements, just cooperate with the police and ask to call our law firm. Our experienced attorneys know how to get complete discovery, and if there are holes in the police case, we will find them. No matter what, we will always seek to get you the best possible results and prevent you from having more problems.

A single conviction for DWI can have severe consequences ruin your life in ways you can't even begin to imagine, a third conviction can cause irreparable harm. Not only can you loose tens of thousands of dollars in lost income and employment opportunities, you carry the stigma of DWI with you for the rest of your life.

When you hire our firm to defend you, we don't use any short cuts, we get everything possible to defend you, like your life depends on it, because in many ways it does. We have access to everything the police have, and we know how to use the law and the facts to benefit you.

Our firm's attorneys understand and are highly knowledgeable about Divorce . Maintaining two households is always more costly than one, and the children are frequently the ultimate victims.

Most people don't release that Divorce is like a business deal, it isn't about punishing the other spouse, whether they were the worst person in the world or the nicest. It is about working out your differences to do what is best for the children. So you can move on with what is best for your children and life.

Although Divorce is extremely common, with over 50% of first marriages ending in Divorce, the children all too frequently feel that they are to blame, and both parents must work hard to ensure them that they are not at fault.

The children should never be used as a weapon or a spy by one partner against another, but all too often that is exactly what happens.

Our firm will work with you to understand the widespread effects and consequences of divorce and help you to minimize those.

We also offer evening and weekend appointments. Call us now for your appointment and get your questions answered right now. Don't guess or list to other people's stories. All cases are different.

Workers' compensation laws protect people who are injured on the job. They are designed to ensure that employees who are injured or disabled on the job are provided with fixed monetary awards, eliminating the need for litigation. These laws also provide benefits for dependents of those workers who are killed because of work-related accidents or illnesses. Some laws also protect employers and fellow workers by limiting the amount an injured employee can recover from an employer and by eliminating the liability of co-workers in most accidents.

Workers compensation cases can often pit the interests of a sick or injured worker against the interests of an employer. For this reason, the workers' compensation claim process can be adversarial and difficult and will often necessitate the use of a lawyer who is experienced with regard to workers' comp claims.

A workers’ compensation judge is responsible to set the attorney fee to be awarded to your attorney. The amount of the attorney fees will be deducted from the benefits you are found entitled to receive at the time your attorney wins your case.

Workers' compensation is a program designed to help both employees and employers if an occupational accident occurs and a worker is injured.



Worker's compensation protects workers by providing coverage for medical expenses and loss of earnings in the even of an accident or health-related layoff.

This program also protects employers by preventing civil lawsuits against employers when they are potentially responsible for an accident. Workers' compensation benefits for a permanent disability could give an injured worker lump sum payments for that person's lifetime. Filing a workers' compensation claim must be done so quickly and the process can be confusing. If your claim is denied initially, do not worry, you can appeal.

Immediately after an accident
Take a deep breath and stay calm.
Check for injuries; call an ambulance when in doubt.
If accident is minor, move cars to a safe place, out of traffic.
Turn on your vehicle's hazard lights and use cones, warning triangles or flares for safety.
After an auto or motorcycle accident it is important to do all of the following, whether or not you are at fault:

1. Call the police, even if the accident is minor.
2. Notify your fasmily memembers immediately.
3. Call your attorneys and say nothing else.
4. Do not sign any document unless it's for the police or is reviewed by your attorney first.
5. Make immediate notes about the accident, including specific damages to all vehicles involved, witness information, etc. Take pictures if safely possible.
6. If the name on an auto registration is different than the driver, jot down the relationship.
7. Be polite, but don't tell anyone the accident was your fault, even if you think it was.
8.State only the facts, and limit your discussion of the accident to the police.
9. No matter how good you or a family member may feel now, always go to the hospital and get checked out.
10. ER Doctors can diagnose if something is wrong or might be about to go wrong with you, even if you can not.
11. DO NOT argue with police officers or other law enforcement at any time.
12. Ask them if they are charging you with a crime, and if not, say nothing, and if they are, tell them you want your attorney and then say nothing.

Deportation is when the federal government orders the removal of a non-citizen from the U.S. Normally this happens because the person violated immigration laws, and illegal immigrants are the most common type of deported person. The Immigration and Customs Enforcement is the only authority that can arrest an individual to be deported, while the Immigration Court normally oversees the actual deportation of an illegal immigrant.

If you've already been seeking legal status in the United States, you will receive a Notice to Appear by mail. This will inform you that the proceedings for your removal have begun and you be given a date to show up in court for your “Master Calendar Hearing”. Do not miss this hearing, or else you will face an order of removal and have to leave the country.

Not all hope is lost if you are arrested and accused of being an illegal immigrant. If you have a good immigration lawyer, you may be able to convince the authorities that they made a mistake or you have good legal reason to remain in the country. Immigrants are entitled to legal representation, however, the government will not pay for it.

You also have to option to leave voluntarily. This may be a good idea because the U.S. will allow you to reenter when you get a proper visa. Also, if you leave voluntarily, you will not have to wait five years like people who have been removed. People who are deported sometimes have to wait up to twenty years to reenter the U.S. legally.

If your removal hearing ends with a verdict not in your favor, you can appeal your removal to the Board of Immigration Appeals. You have to submit your form in writing. This process is not fast; you may have to wait months or years for a decision. If the BIA denies your appeal, you can also appeal to the local federal circuit of court appeals. No matter the way you appeal, be prepared for it to take several years.

An experienced Immigration Attorney has many ways of improving your situation, but you must be honest and open with the attorney. Tell the attorney everything you can think of, no matter how insignificant it may seem. There are many ways Deportation can be delayed for a long period of time, or your status can be adjusted.
Deportation is the legal process in which an alien (meaning a foreigner who is not a naturalized citizen) is formally removed from the United States for violating the U.S. immigration laws.

While U.S. Citizenship and Immigration Services (USCIS) is the government agency that handles lawful immigration into the U.S., a different agency known as the Executive Office for Immigration Review (EOIR) oversees the court procedures when an alien is brought before an immigration judge. The EOIR is a division within the Department of Justice that is responsible for conducting immigration court proceedings, appellate reviews, and administrative hearings. Some of the types of proceedings an immigration judge may preside over are briefly discussed below.

Removal Hearings
Removal hearings are conducted to determine whether certain individuals are subject to removal from the United States. The removal process begins when the Department of Homeland Security (DHS) files a document called a “Notice to Appear” (Form I-862) with the immigration court after it is served on the alien. The notice tells the individual to appear before an immigration judge, and includes the following information:

Nature of the proceedings
Legal authority under which the proceedings are being brought
Alien's alleged acts that violated the law
Charges filed against the alien and the statutory laws that have been allegedly violated
Alien’s ability to be represented by an attorney – at his/her own expense
Consequences of failing to appear at scheduled hearings
Requirement that alien provide the Attorney General with a current address and telephone number
The outcome of most removal proceedings depends on whether the alien is eligible for relief from removal. Immigration law provides relief from removal to individuals who meet specific criteria. In most removal proceedings, individuals admit that they are removable, but then apply for one or more forms of relief. A list of different types of relief can be found here.

2012 Lifetime Transfers to Your Family

Transfers of property to trusts for the benefit of a spouse, children and grandchildren during 2012 may yield significant overall savings for your family.

Each person may gift up to $5.12 million of unused exemption during 2012 before triggering a federal gift tax. A married couple can act to transfer up to $10.24 million of unused exemption during 2012 without triggering any federal gift tax. However, the same gift on Jan. 1, 2013 would be taxed at rates of up to 55 percent on the amount over $2 million (or $1 million if the gifts are not “split” by a married couple).

Those interested in making large gifts before year-end should discuss with their tax advisers how to structure the proposed gift to best meet the needs of the donor and donee, in addition to the potential tax savings.

2012 Lifetime Transfers to Dynasty Trusts

Transfers of property to irrevocable “dynasty trusts” with a potentially unlimited term can build and preserve wealth for generations of family members by shielding trust assets from estate and generation-skipping taxes, as well as certain creditors.

Each person who makes a gift of up to $5.12 million (less certain other lifetime gifts) during 2012 can allocate exemption from the generation-skipping transfer tax to a “dynasty trust.” Such gifts could include each spouse creating a dynasty trust with different terms for the other spouse.

These dynasty trusts can avoid not only current gift taxes but also future transfer tax consequences when trust assets are distributed to the donor’s grandchildren (or upon the death of the donor’s children). Those able to transfer assets with appreciation potential can accumulate significant assets for future generations and secure substantial savings on future estate and gift taxes.

2012 Transfers of Closely Held Business Interests

With historically low interest rates and generally depressed business conditions, many closely held businesses can support lower valuations than in more normal economic times. When combined with other transfer techniques, families can transfer interests in closely held businesses to the next generation at substantially reduced transfer tax values.

Transfers to Grantor Retained Annuity Trusts

Not everyone can make significant gifts before year end. A person who may need to use gifted assets in the future or has already used his or her exemption can create a grantor retained annuity trust (“GRAT”) that pays its creator annual payments as an annuity over a fixed trust term.

Current law allows the GRAT to be formed with no taxable gift, so that the fair market value of the property transferred to the GRAT equals the present value of the annuity returned to its creator based upon the applicable IRS assumed interest rate (1.2 percent for transfers to GRATs during October 2012). If the GRAT assets outperform the 1.2 percent IRS interest rate, the GRAT will have assets remaining after paying the annuity, which would pass at the end of the trust term transfer tax-free to whomever the grantor has selected.

The usefulness of GRATs will continue in 2013, as long as interest rates remain low and Congress does not adopt proposals to diminish the usefulness of this technique. For example, some proposals have sought to impose a minimum 10-year term or require a taxable gift upon creation of the GRAT.

Improving Existing Planning

A current gift isn’t necessarily required to take advantage of the Current Exemption. In certain circumstances, individuals can take advantage of the increased exemption amount available during 2012 by making existing trusts more tax-efficient. For example, it may be possible to allocate exemption from the generation-skipping transfer tax to existing trusts that would be subject to tax when assets pass to the grantor’s grandchildren. Another planning option may be to forgive debts owed to you by children or family trusts.

A careful review of your estate plan may identify other opportunities to apply the current tax law in ways that were not previously available but that may no longer exist after year-end.