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Debt Archives

Are you one misfortune away from financial disaster?

You may have had rough patches in the past, but you were always able to stay on top of your finances. However, lately, you may feel your budget is a little tighter. Your paycheck doesn't seem to stretch as far as it used to. Perhaps you are starting to get notices that payments are late on a credit card or even your mortgage.

The Repo Man Goes High-Tech

Maybe you've had some bad luck with your finances in the past, and your credit rating isn't what it should be. However, if you scraped together a few bucks for a down payment on a used car, you may have been relieved to find a dealer who would offer to finance you despite your high risk. You may flinch at the label such dealers use to describe borrowers like you: subprime. But you need a vehicle, and this seemed like your only option.

Debt Collectors: How Far Can They Go?

Facing a mountain of debt means many areas of your life are uncertain. You may find you are not yourself, and your emotions become unpredictable as your situation worsens. Work may suffer, and your home life may become tense.

Wage garnishment can turn payday into mayday

You probably look forward to payday. For some, payday means an extra splurge or perhaps chucking a little aside for a rainy day or a college fund. For you and for many, payday means getting by. Even with overtime or bonuses, you may have just enough to cover what you owe, or maybe what you bring home doesn't even make ends meet.

The FDCPA and debt collection rights

If you have a significant amount of debt and you are unable to pay it off, one of the most unpleasant and unnerving things you can possibly hear is a debt collector demanding that you repay a debt. Fortunately, the federal government has established acts that determine what is considered acceptable behavior for debt collectors. This act is known as the Fair Debt Collection Practices Act.

CDC study on medical debt in America is released

The Centers for Disease Control and Prevention (CDC) recently released the results of a survey conducted by its National Center for Health Statistics. Those who administered the survey and analyzed its results are not concerned with the prevalence of a particular disease nor are they concerned with how a particular disease is spread. Instead, the experts conducting this survey are concerned about the rise of medical debt in America.

'Cures' for your holiday debt hangover

By the end of January, you likely received the last of your holiday-related bills in the mail. Whether you stuck fairly closely to your holiday budget or unintentionally blew it completely, your bank account is likely feeling the strain of credit card debt and other holiday-related purchases. Thankfully, there are several things you can do to start alleviating your holiday debt hangover.

Thinking about holiday-related debt

Now that Thanksgiving turkey has been eaten and Black Friday sales have been shopped, the holiday season is officially in full swing. For many Americans, there are so many reasons to be joyous and celebratory this year. However, many Americans are similarly facing significant pressures to spend beyond their means over the coming weeks. Given the consequences of overwhelming credit card debt, these pressures can turn the season from holly jolly to stressful and frustrating.

Seeking information about how to dig your way out of debt?

If it was easy to find one's way out of debt, far fewer Americans would find themselves struggling with this process. Quite honestly, navigating overwhelming debt can be a frustrating and complex affair. Thankfully, by answering several frequently asked questions, experienced attorneys can generally aid struggling consumers out of financial darkness and on their way to a brighter future.


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  • NACBA | National Association of Consumer Bankruptcy Attorneys
  • NACA | National Association of Consumer Advocates
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Goldman & Beslow, LLC

Goldman & Beslow, LLC is a Federal Debt Relief Agency by an Act of Congress. We have proudly assisted consumers seeking relief under the U.S. Bankruptcy Code for over 38 years.

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7 Glenwood Avenue,
Suite 311B
East Orange, NJ 07017
East Orange Law Office

Phone: 973-414-8069
Phone: 973-419-7631
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
Fax: 973-675-5886
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NEWARK OFFICE 168 Bloomfield Avenue
Newark, NJ 07104
Newark Law Office

Phone: 973-483-1333
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
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PATERSON OFFICE 100 Hamilton Plaza,
Suite 405
Paterson, NJ 07510
Paterson Law Office

Phone: 973-247-9445
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
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JERSEY CITY OFFICE 26 Journal Square,
Suite 603
Jersey City, NJ 07306
Jersey City Law Office

Phone: 201-659-6226
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
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