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...
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...
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...
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...
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...
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...
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...
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...
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...
Many people view bankruptcy as a finality – the end of a long, challenging financial road. In truth, bankruptcy was designed to offer Americans a fresh start toward a more stable financial future. With these tips in mind, you can repair and rebuild your credit to be...
