March 2018 Archives

How to overcome the shame of credit card debt

If you are struggling to deal with a huge amount of credit card debt, you might find yourself wondering what you can do. You might also feel ashamed that you let your debt spiral out of control. Credit card debt is a common problem for many households in the East Orange area. According to Yahoo, $15,654 is the average amount of credit card debt per household in 2017. As challenging as it may seem for you to make timely payments and lower your debt, there are options that you might not be aware of. 

What are some common mistakes people make in Bankruptcy?

If you are thinking about filing for bankruptcy in the East Orange area, you should be careful about what you do in the months leading up to it. Though you expect for it put an end to the nonstop creditor harassment you are experiencing, lighten your financial burden and make it easier for you to sleep easier at night, the wrong moves could result in the dismissal of your case. Mistakes can also lead to complications that prevent you from receiving the full benefits of Bankruptcy protection. 

How do you know if you are experiencing creditor harassment?

If you find yourself dealing with overwhelming debt, you know how this situation can affect multiple areas of your life. One frustrating aspect of owing a significant amount of debt is the phone calls and letters you may get from debt collectors. Creditors have the right to attempt to collect on late balances, but they cannot carry out certain actions. 

How Can I Create a Budget?

If you’re in search of debt relief options in New Jersey, you should know that budgeting is integral to remaining fiscally sound. After all, once you’ve paid off your debts and are back on track financially, you run the risk of falling into the same trap if you don’t correct irresponsible behavior. That’s why Forbes recommends the following tips to people who find it hard to stick to a reasonable budget.

Chapter 7 or Chapter 13: Which option fits your needs?

It doesn't take much to throw a proverbial financial train off its tracks. Financial stability is often fragile, dependent on many factors that may fluctuate in negative or positive directions, sometimes without warning. While it's always nice to receive an unexpected financial boom, you may feel quite the opposite if you encounter undue financial strain that you are not prepared to meet. Bankruptcy is often a viable option in situations where other solutions have proved unsuccessful.

Can my wages be garnished for debt?

If you have debt issues in New Jersey, you may be plagued with calls or letters from collection agencies wanting to get paid. Debt is an issue many people struggle with. It is common to fall behind on payments and end up in collections. In some cases, if your debts are way overdue and all efforts to collect them have failed, a creditor may try to garnish your wages or bank account to get its money.

Rebuild your credit foundation after bankruptcy

If you've recently gone through a debt relief process, such as bankruptcy, it may take some time before you feel like your head is clearly above water again, financially-speaking. Remember that you are definitely not the first person, nor will you be the last, to encounter a temporary financial setback in life. There are several proactive steps you can take to begin rebuilding your financial foundation, especially your credit score.

Filing for bankruptcy? Know traits of Chapter 7 and Chapter 13

When it comes to personal bankruptcy, there are two chapters that almost all people will utilize: Chapter 7 and Chapter 13. The differences between these types of bankruptcies are important. When you consider that nearly three-quarters of filings are Chapter 7, and the other quarter of filings are Chapter 13, you can probably guess that income is a big factor in determining which bankruptcy you file.

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