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Home/Attorneys/Law Offices of John J. Caleca, III., ESQ.
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- Attorneys in Phillipsburg, | CGMIMM

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192 Lincoln Road, Phillipsburg, NJ, 08865

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192 Lincoln Road
Phillipsburg, NJ 08865
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📚 Related legal guides

Background reading on the practice areas this attorney handles.

bankruptcy
Wage Garnishment Defense in New Jersey
New Jersey wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Debt-Collection Defense in New Jersey
New Jersey consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Student-Loan Discharge in Bankruptcy in New Jersey
New Jersey student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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