Law Office of Bleichman Klein

When you are ready to hire a lawyer Call 845-425-2510 We help persons in financial distress. We may eliminate a 2nd mortgage or lower a mortgage payment & may stop debt collectors, wage garnishment & unfreeze your bank account or repo we can help

Contact Us

Firm Overview

When you are ready to hire us, fill out the form and we can help you. Please only continue with the form if you are going to hire us. We are licensed attorneys in New York & New Jersey

Credit Report Errors:
Your credit report contains information about where you live, how you pay your bills, whether you've been sued, have a judgment, been in court, were arrested, or have filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. Bleichman and Klein may help you correct your credit report errors and if the report is not corrected, then we may sue the credit reporting agencies on your behalf, which may entitle you to compensation and a damage award.

If you owe debt to a person or company, they have the right to collect that debt. However, there are legal guidelines that must be followed in debt collection matters. Many creditors become so aggressive in their debt collection, that they lose sight of the professional and legal regulations they should be adhering to.

At Bleichman and Klein, we defend clients in Spring Valley and throughout New York and New Jersey in debt collection and fair credit reporting matters. Whether a creditor is threatening you with immediate eviction or is calling at inappropriate hours, we can help make sure creditor harassment stops.
Rules for Debt Collections
The law requires creditors to follow a variety of rules in their debt collection efforts, and if any of these laws are broken, you have the right to fight back. During their collection efforts, creditors must:
Have the correct amount that is owed
Be able to validate the debt
Be within the statute of limitations
Have accurate account statements
Track the time that the debt has been owed
Properly serve or notify the debtor of the complaint
Whenever a creditor acts under bad practices, you have the right to fight them, and we can help. We help clients dispute the debt and help them receive the validation of their debt. If you received a phone call or collection letter, it is important to contact us. Even collection letters need to be formatted in a certain way, and we can help make sure you are not subjected to unfair or illegal debt collection methods.

Fair Credit Reporting
There are three credit reporting agencies: Equifax, Experian and Transunion. Everyone's credit score is determined by those three agencies. If they have incorrect information, it can affect your credit score, your ability to get new credit, your existing rates and your rates on new credit. We help clients dispute the erroneous entries, making sure the credit reporting agencies correct it. If they fail to do so, we can sue them for statutory and actual damages.
No Fee Unless We Make a Recovery
Learn more about the representation you should receive to protect your finances. Contact our Spring Valley debt collection defense attorneys to schedule your free initial consultation. We can be reached online or by calling 845-425-2510.
Telephone Consumer Protection Act
If your are receiving unwanted sales calls on your home phone, cell phone or telefax, you may be able to sue and recover damages. We will not charge a fee unless we recover money for you.

New Jersey Mortgage Lawsuit Attorneys
Few people make investments or become involved with personal transactions that have more worth than their home. You get a loan, take out a mortgage and pay a great deal of fees and costs. According to federal law, everything that you pay must be included in a bank's Truth in Lending Statement.
If a bank or lending institution fails to show that information, the borrower can rescind the loan, and the bank is responsible for repaying all the fees, costs of financing and attorneys fees. Although you may suspect your bank is being unethical, it can be difficult to prove without the assistance of experienced lawyers.
At Bleichman and Klein, we represent clients in Spring Valley and throughout New York and New Jersey in truth in lending matters. We sue banks, title companies, brokers and lenders to protect the rights of our clients.

Real Estate Settlements Procedures Act
Under the Real Estate Settlements Procedures Act (REPSA), lenders are expected to be accountable for payments that borrowers make to loans and their proper application to the account. Many lenders apply mortgage payments to junk fees or late fees, or they won't pay tax escrows on time.
Some banks use a forced place insurance policy, holding higher insurance levels and using your money to ensure themselves. Often times, people don't realize this until they receive a tax bill when their escrow should pay their taxes. In other situations, people receive cancellation notices from their insurance, even though their escrow should pay their insurance.
If your mortgage company is not paying what it should, we can help.
Main Office

Main Office
238 William St
East Orange  NJ  07017

Phone
  • (201) 588-5297
Fax

Fees

Free Initial Consultation?

Free Consultation

Services Offered For Fixed Fees?

No fee unless we recover money for you on many cases.

Office Information

Office Hours

9-5 M-F

Office Manager

We are open legal holidays for your convenience.

Other Offices

  • Bleichman and Klein
    268 Route 59 West
    Spring Valley,  NY  10977
  • Law Office of Shmuel Klein
    113 Cedarhill Ave
    Mahwah,  NJ  07430
Bankruptcy
"[Bankruptcy] gives to the honest but unfortunate debtor…a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt"
Local Loan v. Hunt, 292 US 234.
We can help. Call 845-425-2510
Debt Freedom

A fundamental goal of the federal bankruptcy laws enacted by Congress is to give debtors a financial "fresh start" from burdensome debts. The Supreme Court made this point about the purpose of the bankruptcy law in a 1934 decision:

This goal is accomplished through the bankruptcy discharge, which releases debtors from personal liability from specific debts and prohibits creditors from ever taking any action against the debtor to collect those debts.
Types of Bankruptcy:

Chapter 7 Bankruptcy

Chapter 7, entitled Liquidation, contemplates an orderly, court-supervised procedure by which a trustee takes over your non exempt property, reduces them to cash, and makes pays creditors. They debtor' s has the right to retain certain exempt property like equity in the home, their IRA, 401K, pension income, social security, tools, lower value automobiles and other property. You need to consult with us regarding what you can keep in a bankruptcy filing.

In most Chapter 7 cases, if the debtor is an individual, he or she receives a discharge that releases him or her from personal liability for certain dischargeable debts.

Amendments to the Bankruptcy Code enacted in the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 require the application of a "means test" to determine whether individual consumer debtors qualify for relief under Chapter 7. If a debtor's income is in excess of certain thresholds, the debtor may not be eligible for Chapter 7 relief.
Chapter 13 Bankruptcy

Chapter 13, is a repayment plan whereby you may pay a percentage of you debt. It is entitled Adjustment of Debts of an Individual With Regular Income.

Chapter 13 is often preferable to Chapter 7 because it enables the debtor to keep a valuable asset, such as a house, and because it allows the debtor to propose a "plan" to repay creditors over time usually three to five years.

Chapter 13 is also used by consumer debtors who do not qualify for Chapter 7 relief under the means test. At a confirmation hearing, the court either approves or disapproves the debtor's repayment plan, depending on whether it meets the Bankruptcy Code's requirements for confirmation.

Chapter 13 is very different from Chapter 7 since the Chapter 13 debtor usually remains in possession of the property of the estate and makes payments to creditors, through the trustee, based on the debtor's anticipated income over the life of the plan.

Unlike Chapter 7, the debtor does not receive an immediate discharge of debts.
The debtor must complete the payments required under the plan before the discharge is received.
The debtor is protected from lawsuits, garnishments, and other creditor actions while the plan is in effect.
The discharge is also somewhat broader (i.e., more debts are eliminated) under Chapter 13 than the discharge under Chapter 7.

Chapter 11 Bankruptcy

Chapter 11, entitled Reorganization, ordinarily is used by businesses or individuals that desire to continue operating a business and repay creditors concurrently through a court-approved plan of reorganization or individuals with close to a million dollars of secured debt.

The Chapter 11 debtor usually has the exclusive right to file a plan of reorganization for the first 120 days after it files the case and must provide creditors with a disclosure statement containing information adequate to enable creditors to evaluate the plan.

The court ultimately approves (confirms) or disapproves the plan of reorganization. Under the confirmed plan, the debtor can reduce its debts by repaying a portion of its obligations and discharging others. The debtor can also terminate burdensome contracts and leases, recover assets, and re-scale its operations in order to return to profitability.

Under Chapter 11, the debtor normally goes through a period of consolidation and emerges with a reduced debt load and a reorganized business.

Loan Modification
We may be able to eliminate your home equity loan or second mortgage depending upon the value of your property.
Also, the Home Affordable Mortgage Program may allow you to get a lower interest rate on your mortgage and therefore lower your monthly mortgage payment.

We have helped thousands of individuals over our 25 years of law practice.

Please call us for a free initial consultation.

845-425-2510
Foreclosure
We can help you keep your home and possibly reduce your mortgage payment. We may also be able to eliminate a home equity loan or second mortgage and other liens on your property.
Our 25 years of experience can help you. Call 845-425-2510 today.
Few people make investments or become involved with personal transactions that have more worth than their home. You get a loan, take out a mortgage and pay a great deal of fees and costs. According to federal law, everything that you pay must be included in a bank's Truth in Lending Statement.

If a bank or lending institution fails to show that information, the borrower can rescind the loan, and the bank is responsible for repaying all the fees, costs of financing and attorneys fees. Although you may suspect your bank is being unethical, it can be difficult to prove without the assistance of experienced lawyers.

At Bleichman and Klein, we represent clients in Spring Valley and throughout New York and New Jersey in truth in lending matters. We sue banks, title companies, brokers and lenders to protect the rights of our clients.
Real Estate Settlements Procedures Act

Under the Real Estate Settlements Procedures Act (REPSA), lenders are expected to be accountable for payments that borrowers make to loans and their proper application to the account. Many lenders apply mortgage payments to junk fees or late fees, or they won't pay tax escrows on time.

Some banks use a forced place insurance policy, holding higher insurance levels and using your money to ensure themselves. Often times, people don't realize this until they receive a tax bill when their escrow should pay their taxes. In other situations, people receive cancellation notices from their insurance, even though their escrow should pay their insurance.

If your mortgage company is not paying what it should, we can help. We file lawsuits against mortgage companies that are unethical with the payments they receive.

Ideally, an attorney will review the financing papers at the time of the closing and determine if fees are there. Working with us at the start of a real estate transaction can help protect you from unethical and illegal charges from your mortgage company at a later time.
Contact Attorneys Experienced in Truth in Lending Matters in East Orange
Contact our East Orange truth in lending attorneys to schedule your free initial consultation and learn about the representation we offer. We can be reached online or by calling 845-425-2510

How did your firm decide on the primary area of practice(s)?

The Law Office of Bleichman and Klein has narrowed its practice to helping persons suffering from financial distress and consumer fraud. We empathize deeply with our clients and do the utmost within the constraints of the law to fully represent each individual.

What experience or education distinguishes your lawyers from others

At one time, this firm had the largest chapter 13 case load in the Southern District of New York. Each case was handled as if it was the only one we had.

Our firm eliminated a pay day lender in New York and New Jersey. We successfully obtained substantial sanctions against a lender when that bank lied to the Court.

Shmuel Klein

Shmuel Klein suspended the lending practices of CashCall, a payday lender who would charge 300% interest on loans.

Shmuel Klein suspension of Andrew Bartok's foreclosure assistance who preyed on persons facing foreclosure. Shmuel Klein prevented a foreclosure rescue scheme which wanted to take away a persons home.

Shmuel Klein suspended a bank law firm practice which had misrepresented facts to the Court regarding mortgage payments received by the bank. He was able to get a sizable recovery for the home owner and save their home.

Bleichman and Klein sued a forced place insurance company when they put expensive home insurance which only insured the bank and not the home owner. Bleichman and Klein was able to get a lower mortgage payment and a cash settlement for the home owner.

Shmuel Klein sued Credit Reporting Agencies when they placed inaccurate information on a persons credit report. He was able to clear their credit and got a cash settlement for them.

Shmuel Klein sued debt collectors who misrepresented the amount of the debt and harassed the person. He was able to get a cash settlement for the person suffering the harassment.

License
  • Bar Number: 851987
    New Jersey , 1987
Education
  • Antioch School of Law
    Juris Doctor , 1986
    Shmuel Klein received his law degree in approximately two years. He was the student case manager of the Civil Litigation Clinic which protected individuals.

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