Many people in New Jersey struggle to cover their credit card payments. When times get tough financially, it can be difficult to continue making payments on time or even at all. If you feel that you might not be able to pay everything off, there may be another way you...
Paying down credit card debt can be challenging, it takes discipline and diligence. However, for divorcing couples things get more complicated if that credit debt was accumulated during marriage After years of joint credit cards, authorized users, spending limits and...
Whether you are facing the prospect of bankruptcy or you have recently filed, it is likely that credit card debt plays a large part in your financial future. For many, credit cards represent a safety blanket: a money reserve to be used for emergencies. Unfortunately,...
People are struggling now more than ever to make ends meet. As your credit card debt increases and creditors start calling, you may wonder what your options are. It turns out that both Chapter 7 and Chapter 13 bankruptcy are legitimate possibilities. Both forms of...
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...
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...
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...
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...
The loss of a job can be a shock, especially when the economy is unpredictable and work is scarce. For many in New Jersey, a job loss comes at what seems like the worst possible time. Already dealing with credit card debt, medical bills and other financial...
Credit card debt in the United States is approaching nearly half a trillion dollars, and the average debt per household for revolving credit has reached almost $7,000. The economic climate in the U.S. can change often and quickly. A recent study predicts that nearly...
