Restricted Licenses

Unfortunately, New Jersey does not allow restricted licenses as does New York.   The New Jersey policy precludes the operation of a motor vehicle for any/all purposes during the term of the suspension.  These penalties are compounded if the operation took place within a designated 1000-foot radius school zone.

For more information, read our New Jersey DWI FAQs.

If you or someone you know has been charged with a DWI in New Jersey, contact the New Jersey DWI Lawyers at Garces & Grabler, P.C. to protect your rights!

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A court ruling is threatening the majority of the state’s wineries with the possibility of extinction.

New Jersey wineries currently enjoy the right to sell wine in tasting rooms and to bypass wholesalers by selling wine directly to retailers under the Alcoholic Beverage Control Act

In contrast, out-of-state wine producers must sell only through licensed wholesalers.

However, in December the U.S. Court of Appeals ruled that, in this way, New Jersey unconstitutionally discriminates against out-of-state wineries.

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New Jersey Attorneys Garces & Grabler, P.C.

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If you are facing foreclosure, contact the real estate attorneys at Garces & Grabler for help.

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If you need a criminal defense attorney in New Jersey call the law firm of Garces & Grabler at 866-951-1387 or contact us.

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If you need a criminal defense attorney in New Jersey call the law firm of Garces & Grabler at 866-951-1387 or contact us.

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If you need a criminal defense attorney in New Jersey call the law firm of Garces & Grabler at 866-951-1387 or contact us.

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The lender may promise one type of loan or interest rate but, without good reason, gives you a different one. Sometimes a higher (and unaffordable) interest rate doesn’t kick in until months after you have begun to pay on your loan.

Balloon Mortgage

A mortgage with periodic installments of principal and interest that do not fully amortize the loan. The balance of the mortgage is due in a lump sum at a specified date, usually at the end of the term.

Equity Stripping

The lender encourages you to borrow heavily from the equity in your home (the amount you own free and clear of your mortgage) as an easy way to get additional money, consolidate debt or fund home repairs, knowing that the fees and payments are so high you may not be able to make them. You dramatically reduce your equity and, in the worst case, the lender forecloses on the loan, takes possession of your home, and strips you of the equity.

Good Faith Estimate (GFE)

A document which tells borrowers the approximate costs they will pay at or before settlement, based on common practice in the locality. Under requirements of the Real Estate Settlement Procedures Act (RESPA), the mortgage banker or mortgage broker, if any, must deliver or mail the GFE to the applicant within three business days after the application is received.

Home Improvement Scams

A contractor talks you into costly or unnecessary repairs, steers you to a high-cost mortgage lender to finance the job, and arranges for the loan proceeds to be sent directly to the contractor. All too often, the contractor performs shoddy or incomplete work, and the homeowner is stuck paying off a long-term loan where the house is at risk.

HUD-1 Uniform Settlement Statement

Standard form used to disclose costs at closing. All charges imposed in the transaction, including mortgage broker fees, must be disclosed separately.

Interest Rate

Percentage paid for the use of money, usually expressed as an annual percentage.

Loan Flip

The lender encourages you to get additional cash by refinancing your mortgage again and again. This tactic significantly increases your debt because fees (often exorbitant) are tacked on to each loan transaction, and you may pay a higher interest rate than with your original loan. You become saddled with higher payments, higher debt, and the risk of losing your home.

Lock-in

The process by which a lender commits to lend at a particular rate as long as the mortgage transaction closes within a specified time period. The document which specifies the terms of the lock-in is called a rate commitment or lock-in agreement.

Mortgage Life Insurance

Term life insurance paid by the borrower in which the amount of coverage decreases as the mortgage balance declines. In the event the borrower dies while the policy is in force, the debt is automatically satisfied by insurance proceeds.

Point

An amount equal to one percent of the principal amount of a mortgage. Loan discount points are a one-time charge assessed at closing by the lender to increase the yield on the mortgage loan to a competitive position with other types of investments.

Prepayment Penalty/Prepayment Premium

A charge the mortgagor pays the mortgagee for the privilege to prepay the loan.

Prime

See Subprime

Right of Rescission

Period of three full days after closing in which the consumer is allowed to negate an owner occupied refinance transaction.

Subprime

“Prime” and “Subprime” refers to the interest rate and terms of the loan based on the borrower’s credit history. Borrowers with the highest credit scores and cleanest payment histories present limited risk to the lender and are usually offered lower interest rates and placed in the “prime” market. Borrowers with lower credit scores as a result of events such as late payments, court judgments and bankruptcies present a higher risk to the lender; and, therefore, are offered higher interest rates and are placed in the “subprime” market. More information…

Truth-in-Lending Act (TILA)

Federal law which requires a truth in lending statement to be disclosed for consumer loans. This statement would include disclosure of the annual percentage rate, or APR, as well as other facets of the mortgage program. The law also requires the right of rescission period which follows the closings of refinances.

For help with Bankruptcy, Foreclosure or Mortgage Modification, contact Garces & Grabler.
www.njbankruptcylawyer.com

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“We are making progress in our efforts to ensure that all motorists are aware of the consequences they face if they choose to talk on a cell phone or text while driving,” Fischer said. “Our work is far from done, though. Any cell phone conversation while driving, whether hand-held or hands-free, is distracting and dangerous, and can result in crashes, injuries, and in some cases the loss of life. For the safety of all roadway users, we must hang up and just drive.”

According to the National Safety Council, each year at least 1.4 million crashes nationwide are caused by drivers talking on their cell phones, while a minimum of 200,000 crashes are caused by drivers texting behind the wheel. In New Jersey, since 2008, there have been 3,610 crashes involving a motorist using a hand-held cell phone, resulting in 1,548 injuries and 13 deaths. During the same time period, 3,129 crashes involving the use of a hands-free device resulted in 1,495 injuries and 6 fatalities.

“These numbers are staggering, but perhaps even more disturbing is the number of crashes involving cell phone use and texting that go unreported,” Fischer said. “We know that many drivers involved in a crash don’t admit to these behaviors, which means that the actual number of cell phone-related crashes in New Jersey is much greater.”

New Jersey’s primary cell phone law went into effect on March 1, 2008. Motorists violating New Jersey’s law face a $100 fine plus court costs and fees.

“The New Jersey Chiefs of Police are committed to enforcing our state’s laws that help to ensure the safety of the motoring public on our roadways. Distracted driving by the use of cell phones decreases traffic safety, and is a violation of New Jersey’s law. We encourage the motoring public to drive responsibly and respect the motor vehicle laws of our state,” added Robert A. Coulton, Ewing Police Chief and President of the New Jersey Chiefs of Police Association.

“New Jersey’s strict law has allowed us to make tremendous strides in getting drivers to put their cell phones down and focus on the task at hand,” said Motor Vehicle Commission Acting Chief Administrator Raymond P. Martinez. “However, phones are just one of the many distractions that put drivers at risk. When behind the wheel, your only concern should be the safe operation of the motor vehicle and the road ahead that you share with others.”

A Fairleigh Dickinson University PublicMind Poll on driving behaviors conducted last year and co-sponsored by the Division of Highway Traffic Safety, found that the number of New Jersey drivers who said they sent text messages while driving increased by 40 percent between 2008 and 2009.

In addition, 57 percent of those drivers under the age of 30 said that they have texted while driving, up six percent from 2008, while more than one in four drivers aged 30 to 44 said they have sent a text message, up eight percent from the previous year. Twelve percent of motorists between the ages of 45 and 60 said they have also sent text messages while driving.

“While the state’s motor vehicle fatality rate continued to fall for the third consecutive year, there are still far too many people engaging in unsafe driving behaviors, including talking and texting, that contribute to a dangerous and often tragic situation on our roads,” Director Fischer said. “If we’re to reach our goal of zero fatalities, every driver must take personal responsibility for his or her actions behind the wheel, and make a commitment to safety.”

To further inform motorists about the state’s cell phone/texting law, the Department of Transportation expects to have new signage in place on major roadways, including those that serve as major entry points into New Jersey, before the summer travel season. The signs will alert motorists that it’s illegal to talk on a hand-held cell phone in New Jersey. A reminder to buckle up, every ride, will also be included on the signage.

Cell phone use and texting is not only a critical traffic safety issue for drivers, but one that also impacts pedestrians.

“I have personally witnessed the potential danger a pedestrian can face when distracted by a phone conversation or text message,” Fischer added. “Several months ago, I literally pulled a pedestrian talking on a cell phone out of the path of an oncoming vehicle. The woman was talking on her cell phone, and didn’t check for traffic before stepping into the crosswalk. Regardless of your mode of transportation, you must be 100 percent engaged in what you’re doing or you’re putting yourself and everyone else on the road at risk.”

More information about Traffic Violations can be found at our website.

Contact Garces & Grabler online to get your Traffic Violation resolved or call toll free 1-866-951-8387.

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