Ruiz Doolan Law Firm Blog

Exporting plays a major role in the global trade. Business decide to export their products for many reason including but not limited to their expansion, saturation of the product in the United States, and the opportunities offered abroad for exponential growth. These days with new emerging markets in Asia and Latin America the ability for a company for growth outside of the United States is limitless.  How to start the process of exporting a product.  Some companies have their own in-house export department other higher agents to they job for them. The goal is maximize profits. When considering exporting to another country one must considered the barriers imposed by the country such as tariff and non-tariff. A tariff is duty imposed on goods leaving the country. A  Non-tariff barriers are restrictions such as quotas, taxes, and exchange rate controls. It is important that before thinking in engaging in exporting to consult an specialist in this area. The navigation of...

NJ Bankruptcy Court What is bankruptcy court?   Federal courts have exclusive jurisdiction over bankruptcy cases which means that a bankruptcy case cannot be filed in a state court. Cases are filed under the three main chapters of the Bankruptcy Code  Chapter 7 ,  Chapter 11 , and  Chapter 13 .  In New Jersey, in the Northern New Jersey area, the client go to the bankruptcy court in Newark. Bankruptcy Court Procedure: Proceedings in a bankruptcy courts are governed by the Federal Rules of Bankruptcy Procedure. The bankruptcy rules of procedure  incorporate the Federal Rules of Civil Procedure, which govern litigation in other federal courts. Litigation in bankruptcy courts is quite similar to litigation in federal district courts Bankruptcy courts in New Jersey: United States Bankruptcy Court for the District of New Jersey are located in Newark, Trenton, and Camden. Their addresses are: Newark Martin Luther King, Jr. Fed...

It is the unthinkable but ever so possible. What happens when a person suffers from illness or injury that renders incapable of deciding his/hers medical treatment?   This is when an Advance Health Directive will give you the security that you need to know your wishes will be follow through. An Advance Health Directive is a legal document which provides information as to your treatment preferences. There are three kinds of advance directives: 1) Proxy directives: This is when the person gives legal authority to a person he/she trust to make medical decisions on his/her behalf.  This is also known as durable power of attorney for health care. 2)  Instruction directives:   In this situation the person gives written directions that tell his loved ones what kid of treatment he or she wishes to accept or refuse. This is also known as a Living Will. 3)  Combined directive:   the person selects a health care representative and provide him or her with a state...

La bancarrota o quiebra es el proceso en el cual la persona hace una aplicacion a la corte para que le perdonde sus deudas.  La mayoria de las personas que van a la quiebra ponen dos tipos de bancarrota Capitulo 7 o Capitulo 13. Bancarrota Capitulo 7 (Chapter7) tambien llamado liquidacion es el proceso en que las personas eliminan todas sus deudas. Proveyendo que la persona califique el proceso de bancarrota capitulo 7 elimina todas sus deudas.  Esta usted requerido a tomar dos clases una de Consegeria de Credito que es antes de poner la aplicacion de bancarrota con la corte y el segundo de Manejo Financiero que es una vez que la bancarrota este puesta. Si sus bienes son mas alto de lo que esta permitido por la corte el administrado de la corte de bancarrota puede liquidar sus bienes.  En la gran mayoria de las bancarrotas Capitulo 7 el deudor no pierde sus bienes. Bancarrota Capitulo 13 (Chapter 13) en este proceso de bancarrota el deudor usualmente tiene biene...

Think of Investing in a Home? With historically low rates and rents constantly increasing it is a good idea if you are financially able.   Times have changed however, now you need to be prepared for the paperwork that is required.  From making sure that your credit score is high enough to get a good rate to lowering your debt.  Among the list of documentation that you should be prepared to provided are 1)       W2, 1040 Last two years 2)       6-8 weeks paystubs 3)       Profit and Loss Documentation if your are Self Employed 4)       Investments 5)       Retirement Plans 6)       Other Assets such Stocks, Bonds or other Real Estate 7)       Child Support and Spousal Support (If Applicable) 8)       Other types of Support 9)       Bank Statem...

Considering Bankruptcy? well then we need to prepare. We get calls all the time about what documents people need in order to file for bankruptcy. Some of the information we may need are: 1) Your credit reports 2) Bills 3) Six months pay stubs  4) Last three years of taxes 5) Car Finance or Lease papers 6) Deed 7) Mortgage Note 8) Appraisal or Market Analysis of your home.  The list can go on and on depending of what you have and your finances. These we go over at the office in our official meeting.   We will also ask you to fill our application to get a better grasp of your situation.  I often get asked why do debtors have to do this? The answer is simple. You are asking the court to forgive all your debts then you need to prove why you can't pay them. In this article I am not going to go on to income and means test calculations but you should keep in mind that there is income standards and if you are above then you have to the means test....

By Marina Ginzburg, Esq.  Sometimes Divorce is inevitable.  Following that painful decision, parties have to decide how they will go from making the choice to divorce to actually divorcing. Everyone knows that you can go to court and litigate; many people also know the alternative which is mediation.  There is however a third option now available known as collaborative divorce. The process, although not new, is not as common in New Jersey as litigation and mediation.  Collaborative divorce is the collaboration of groups of experts that guide you through the divorce process without the intervention of the courts and with you and your spouse being in control of the outcome. The collaborative divorce “team” can consist of a financial expert, collaborative law trained attorneys for you and your spouse as well as a psychotherapists and accountants. In the end this process should be faster and cost you less then litigation. The most important aspect of this...