You Deserve A Fresh Start
Having several credit cards can help you balance your budget. Different due dates and reward bonuses allow you to use targeted financing solutions for purchases. Unfortunately, if the balance on one of your accounts gets too close to the limit, you may not be able to...
Medical debt is one of the leading causes of bankruptcy. Many of the people who become overwhelmed by medical debt have health insurance. However, even that isn’t always enough to protect Americans from losing all their savings and still owing money if they or a loved...
It seems that many power players in Washington, D.C., have heard the calls of millions of Americans who are drowning in student loan debt. As the average cost of a college education has skyrocketed over the past few decades, graduates find it increasingly difficult to...
Have you ever met someone who says they have never owned a credit card, never taken out loans and never spent more than they have? If they have never owed anyone money in their life, they have done well. Yet, unless you have a particularly high income, or inherited...
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...
