Since our Subranni Zauber, LLC was founded in 1972 in Atlantic City, we have grown from a solo practice to a multi-location firm with offices throughout New Jersey, Wilmington, Delaware and Philadelphia, Pennsylvania. The firm is known for providing innovative solutions to distressed individuals and businesses. In recent years the firm expanded from its insolvency roots to including a full array of business services to better assist its business and corporate clients. The firm currently includes ten attorneys licensed in New Jersey, Pennsylvania, Delaware, New York and Illinois to help service all of your business needs.

 

 

 

Our attorneys can provide legal advice to clients on actions regarding real estate transactions by guiding clients on how to make the right decisions in buying or selling property and any real estate acquisitions in general. We will provide you with our expert knowledge in areas ranging from personal & commercial property, commercial leasing, zoning, and land use. Today’s real estate market is full of uncertainty. You cannot afford to leave “legal loose-ends” during real estate transactions.

 

 

Theoretically, the primary purpose of zoning laws are to segregate land uses that are thought to be incompatible. In practice, zoning is used to prevent new development from interfering with existing residents or businesses and to preserve the "character" of a community. Unfortunately, many of today’s zoning laws are outdated or improperly enforced by municipal employees and local politicians, who in many cases have never read the laws or lack the knowledge to properly interoperate them.

 

 

As the language of business, a contract is an agreement between two or more parties; an exchange of promises with specific legal remedies for breach. Contracts are used for a variety of reasons. Most businesses use contracts every time they deal with a vendor, establish a partnership, or hire an employee. Our attorneys can negotiate contractual agreements that meet your needs and protect your best interests by spelling out all the details of the arrangement in a comprehensive and legally satisfactory manner. We would be more than happy to take a look at your current contracts to ensure that your business and assets are protected.

 

In regards to any type of litigation or controversy related to business issues, our legal counseling will ensure that your interests are protected. We will provide the advice and strong courtroom representation that your company needs and deserves.

 

Under the Fair Debt Collections Act, our attorneys can assist in eliminating abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information’s accuracy.

 

 

If you or your company are facing tax problems, we can help to negotiate a payment plan or appeal. Small businesses can easily get into tax trouble with the IRS due to oversights, misunderstandings and the general complexities of tax code. Many times you may actually be in the right and it is the Government that has inappropriately applied tax laws to your business. Our attorneys can help you to understand complex tax laws and will work on your behalf to negotiate settlements with State, Local and Federal Governments.

 

 

Labor law (also called employment law) is the body of laws, administrative rulings, and precedents which address the legal rights of, and restrictions on, working people and their organizations. As such, it mediates many aspects of the relationship between trade unions, employers and employees. Subranni Zauber represents businesses who need legal guidance in the hiring and termination of employees or who are in the midst of wrongful termination disputes. We will review all labor contracts and employment practices in accordance with state and federal laws to recommend the best course of action. 

 

 

Estate planning is the process of anticipating and arranging for the disposal of an estate. Estate planning typically attempts to eliminate uncertainties over the administration of a probate and maximize the value of the estate by reducing taxes and other expenses.

 

Subranni Zauber handles all aspects of estate planning including:

- Wills & Trusts?

- Advanced Directives (Living Wills)

- Beneficiary Designations

- Powers of Appointment

- Property Ownership (joint tenancy with rights of survivorship, tenancy in common, tenancy by the entirety), 

- Gifting

- Financial Power of Attorney

- Medical Power of Attorney

 

 

Tom Subranni, an experienced bankruptcy attorney representing clients for over 35 years, practices bankruptcy law in South Jersey. He has conveniently-located offices throughout South Jersey. When Tom is not representing clients, he is working as a Bankruptcy Panel Trustee and conducts 341(a) hearings. He is the senior bankruptcy trustee in the tri-state area, the co-founding director and past president of the New Jersey Bankruptcy Trustees' Association.

 

Many persons with financial problems live with and make many wrong financial and personal moves without first considering the bankruptcy alternative. Tom says this is a major mistake and he attributes it to the fact that people don't like to even hear the word "bankruptcy." That is unfortunate, but attitudes are changing. One out of every 100 families in the United States filed or will file bankruptcy this year. The stigma is no longer there. After two years, most debtors qualify for government insured mortgages if they otherwise qualify.  Credit card companies are even targeting debtors and offering credit, which, of course, should be refused. The idea is to learn to live within one's means, debt-free. Sleep comes a lot easier for those who live debt-free. Yes, there is a chance for a Fresh Start.

 

Tom says that many financially-strapped folks do not seek bankruptcy information soon enough, causing permanent financial and personal loss. For example, any kind of "re-financing," "debt consolidation," or "debt counseling" plan is not recommended. A Chapter 7 or Chapter 13 can take care of the problem without the need for that burdensome second mortgage (putting the house on the line), equity loan, credit balance transfers, and the like. And Tom absolutely recommends against borrowing from 401 (k) or other type of pension plan. A much better plan is to start over with the Bankruptcy "Fresh Start" and be the wiser by avoiding credit in the future.

 

Chapter 7 and Chapter 13 work wonders. For example, under Chapter 7, all credit card debt, personal loans, income taxes (over three years old - see "questions and answers"), car repossession deficiencies, and other types of debt are forever forgiven. And, all possessions including bank accounts, cars, pension and IRA plans (in all cases) and real estate are protected from creditors provided the value or equity falls within your "exemptions"  Call to discuss exemptions. If money is owed on a car, the debt can be reaffirmed and the payments continued as if no bankruptcy were ever filed regarding the car.

 

Chapter 13 is even a more powerful tool. It forces a mortgage company to reinstate a mortgage and accept back payments over a period up to a 5 years. See the "question and answer" section for a discussion on DMV surcharges and income taxes.  Car payments can be stretched out and if the car loan is more than 2.5 years old, the payoff can be lowered to retail value considering the age and condition of the car.

 

Both Chapter 7 and 13 offer you a Fresh Start allowing you to fix your credit and re-establish yourself.