You Deserve A Fresh Start
Each January, thousands of people open their credit card statements with trepidation. Some don’t even open them for fear of the bad news inside. It is easy to spend too much in December. People expect presents, colleagues and friends expect you to join them on nights...
When you face challenging times financially, it may seem impossible to keep up with all your financial obligations. If you don't pay your mortgage regularly, you could face mortgage default which could put you at risk of losing your home. Facing the loss of your home...
You've owned your home for the last five years, and you've always made your mortgage payments on time. However, you can see that that's about to change. Based on the fact that your income decreased this year, you've run into a month where you don't have enough money...
Chapter 7 bankruptcy involves the liquidation of specific assets to pay creditors. A portion of the remaining debt ends up being discharged. For many, Chapter 7 is preferable, but they do not meet the means test. New Jersey debtors could still file for bankruptcy...
Stats show around 45 million Americans have student loan debt and 11.1% are in default by 90 days or more. If you have outstanding student loan debt in East Orange, New Jersey, you may get calls from collectors. However, you have rights under the law and options for...
Halting a wage garnishment in New Jersey is a choice for every debtor who is facing aggressive collection efforts. There are legal options to every person who is dealing with a wage garnishment. Some options, like an installment agreement, are more recommended than...
Even people who believe that they are in good health may discover a serious illness that now requires treatment. Others might find themselves the victims of accidents, and extensive care could be necessary. Hospitals and other New Jersey health care providers will...
Chapter 13 bankruptcy has multiple unique features that make it a valuable process. For example, its higher income limits make it accessible even to successful professionals, while its repayment plan allows those with substantial assets to take control of their debt...
Filing for bankruptcy may allow you as a New Jersey resident to eliminate medical bills, a credit card balance or other financial obligations. However, doing so can also make it harder to qualify for a mortgage. In fact, you will have to wait at least a year after...
If a small business in East Orange, New Jersey struggles with debt, its owners can file Chapter 7 bankruptcy to get relief. The proceedings differ between consumers and small business owners, but also between business types. Chapter 7 bankruptcy for LLCs Chapter 7 is...
