Englewood Cliffs, New Jersey Commercial Law Blog

It’s no secret that a personal injury accident can be a confusing and overwhelming experience. You may be dealing with physical injuries, emotional trauma, and the financial burden of medical bills and lost wages. 

Taking the right steps in the aftermath of an accident is essential to protecting your legal rights and ensuring you receive the compensation you deserve.

Here are five steps to take after a personal injury accident in New Jersey:

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If you or someone you know has been involved in an accident in New Jersey, it can be overwhelming to figure out what steps to take next. One of the most important decisions you will make is choosing a top personal injury attorney to help you navigate the legal process and fight for the compensation you deserve. 

However, with so many accident lawyers in NJ, it can take time to figure out where to start. This blog post will guide you through selecting the best accident lawyer in NJ for your specific needs. We will discuss important factors to consider, such as experience, qualifications, and track record, and provide tips on evaluating potential lawyers to ensure you find the right fit. 

Read on for our tips.

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PPP Loan Forgiveness

With the Country facing an unprecedented health and economic crisis, and as we are sure many are aware of at this point, Congress has passed the CARES Act which not only provided direct payments to most American Citizens, but also allows many small business, such as those run by many of our long-time and valued clients, to apply for loans under the Payroll Protection Program. Colloquially deemed “PPP”, this program earmarks billions for small to medium-sized businesses to ensure that they are able to keep as many employees on the payroll as possible for as long as possible while local and state governments do their part by forcing many businesses to close. While these funds are intended to be grants from the government, Congress has set certain restrictions on how the funds may be used. If these regulations are not reviewed carefully, the business owner is at risk of being required to repay the funds which, in some instances, could be hundreds of thousands of dollars.

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Debt Restructuring

What Is Debt Restructuring?

Debt restructuring is a process used by companies or individuals to avoid the risk of default on existing debt or to take advantage of lower available interest rates.

  • The debt restructuring process can be carried out by reducing the interest rates on loans or by extending the dates when a company’s liabilities are due.
  • A debt restructure might include a debt-for-equity swap, when creditors agree to cancel a portion or all of the outstanding debt in exchange for equity in the company.

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Employees must be “WARN”-ed

Given the current pandemic, and Executive Orders from the Governors of New Jersey and New York, we understand that many of our clients, just as we have as a business organization, have had to make some tough and disheartening decisions regarding their employees. While we continue to stay abreast of the developments in pharmaceuticals, and safety measures by our leaders, and remain hopeful that we will soon be past this pandemic, it is important that your employees know what they can expect moving forward, not only for continued company morale, but as may be required by Federal Law. If your organization employs at least one-hundred people not counting part-time employees, or has at least one-hundred employees, part-time or otherwise, who, in the aggregate, work at least 4,000 hours per week (i.e. 40 hours per work per person), then you may need to provide employees with a written notice of a temporary, or permanent, work-site closure or mass layoff. This article will explain, while not intending to offer legal advice which may be specific to your circumstance, under what situations WARN applies and what WARN requires.

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