You Deserve A Fresh Start
For many Americans, a single medical emergency can trigger years of financial hardship. Even with insurance, out-of-pocket costs, surprise bills and high deductibles leave many families drowning in debt. Medical debt isn’t just a number. It’s a real source of stress,...
Credit card debt can grow to an unsustainable level in a matter of weeks. Unexpected expenses, job loss and unnecessary spending can all contribute to an increasing credit card balance. People who have maxed out their cards or who can only afford to pay the minimum...
Losing your car to repossession is hard enough. Then, a bill shows up, claiming you still owe thousands. That leftover amount is called a deficiency balance. It happens when your lender sells the car and applies the proceeds to your loan. If you owed $12,000 and the...
It’s very common for people to blame themselves in bankruptcy and to feel a certain amount of guilt. In fact, this can become so problematic for some people that they don’t even file. They know that it’s an option, and they know that it could help them, but they feel...
For many people, credit card use begins with good intentions. It offers convenience, security and the flexibility to handle unexpected expenses. But what starts as a practical financial tool can quickly turn into a cycle of borrowing that becomes difficult to escape....
New Jersey debtors can file for bankruptcy under Chapter 7 or Chapter 13. Either option has its pros and cons, but some debtors might not qualify to file under Chapter 7 regulations. A major determinant of who can file under Chapter 7 is passing the means test. ...
Realizing that you don’t have enough money to pay your basic bills while keeping up with making payments on other debts can be a difficult situation. Recognizing that there’s no way to move past the financial difficulties may lead some individuals to decide they need...
Discharging student loan debt through bankruptcy is not easy, but it may be possible in cases of undue hardship. To evaluate whether a borrower qualifies, courts and loan holders often look at specific financial and personal circumstances. Recent guidance from the...
Dealing with debt collectors can be stressful, especially when they contact you at your workplace. Understanding your rights and knowing how to handle these situations can help you maintain your professional reputation and personal peace of mind. Legal tools are...
When a child gets sick or injured, most parents do whatever it takes to get them the care they need. However, urgent or ongoing treatment can lead to high medical bills. If the child doesn’t have full insurance coverage or the care is out of network, costs can quickly...
