You Deserve A Fresh Start
Law Blog
How a bankruptcy filing can stop collection attempts
Bankruptcy offers many ways in which a financially strapped family in New Jersey can defend itself from the efforts by creditors to collect on delinquent accounts. One of the most powerful protections is offered by the simple act of filing the petition. Under the...
Many are facing medical debt because of unstable coverage
Unstable medical coverage is scary. Those with it are constantly worried about getting sick because, if they do, the amount of medical debt they will incur will financially ruin them. Those in New Jersey are not immune to these fears. The Unstable Medical Coverage...
Can debt collectors take my unemployment benefits?
Times are tough right now. If you or someone in your household is out of work, federal and state unemployment benefits may be just enough for you to get by. Unfortunately, if you have unpaid debts, that may create an extra headache. In some cases, you may have debt...
Is there ever a good reason to use a credit card?
As someone who is struggling with debt on your credit cards now, you’re frustrated. You were told that using credit cards was the best way to build your credit and believed that you would be able to handle the small payments each month. You didn’t realize how much the...
Can you negotiate credit card debt?
Credit card debt is a big trap for a lot of consumers. They're often lured into spending more than they can afford -- and those bills can easily pile up. Depending on your situation, you may come to find that negotiating credit card debt with your issuer is in your...
Can you stop a mortgage default from leading to foreclosure?
Money problems can crop up almost overnight, even for people who have historically been very responsible. Maybe you get laid off from your job, or perhaps you get into a car crash that leaves you too hurt to work. When your expenses increase or your income decreases,...
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...
