You Deserve A Fresh Start
Law Blog
One more reason to eliminate your debt
There are practical reasons to use bankruptcy to eliminate your debt. Maybe you want to put poor financial decisions behind you. Maybe you just need a fresh start to get back on track. Maybe you know you can never pay it all back, no matter how hard you try, and so...
People spend more on credit cards
It’s easy to portray credit cards in a positive light, noting that, as long as you only spend the same amount that you earn, buying things on a credit card and then paying it off at the end of the month is no different than buying things with the cash from your bank...
Bankruptcy myths are all around us
Are you in a financial rut? The current pandemic has led to millions of people dealing with the consequences of unemployment. Add in those who are barely holding on, have had their hours cut, are racking up medical debt, credit card debt, and the divorced, and you've...
People are not buying homes because of student loan debt
Those who are not facing outstanding student loan debt often do not really realize how difficult it is to handle or how widespread the impact is on the rest of the country. It is so bad at this point that it’s keeping students from living the lives they expected or...
Is your student debt dragging you down?
Going to college seemed like a good idea at the time. It was your key to a better future, or at least that is what people told you. Now, years later, the education that was supposed to propel you forwards, is the very thing holding you back. Half of those due to start...
5 ways to reduce your credit card debt right now
Remember that ceramic piggy bank you had as a kid? How you slowly filled it and had to get a new one each year? How, as a teenager, you picked up a Saturday job, and had enough cash for anything you needed? What happened to that careful saver you used to be? Credit...
Garnishment: Can my employer dock my wages to pay my debts?
If you are one of the many who are struggling financially at the moment, you will be counting on receiving every cent of your paycheck. If you have debts to pay, you may want to delay some payments, or move your money around, to reduce the interest. If someone can...
Chapter 7 vs. Chapter 13 bankruptcy: Which do I need?
If you are considering declaring bankruptcy in New Jersey, you need to know the difference between Chapter 7 and Chapter 13 bankruptcies. Chapter 7 bankruptcy means asking the court to wipe your debts. In doing so, you need to be willing to lose some things. Chapter...
Tired of juggling debt? Bankruptcy may be the answer
Have you ever watched a sword juggler? It takes skill to keep more than one thing in the air at once, and it can hurt when you get it wrong, which is why you’ve probably never tried it yourself. Have you ever seen a debt juggler? No? Are you sure? Go and look out the...
Bankruptcy is nothing to be ashamed of
Many people have more compassion for other people than they do for themselves. When a friend or loved one tells you that they are going through personal bankruptcy to get out of debt, you may agree that it was a wise decision. But if you ever find yourself in a...
