You Deserve A Fresh Start
Understanding the types of bankruptcy available to you is crucial before proceeding with bankruptcy. Individuals typically file for Chapter 7 or Chapter 13 bankruptcy. Chapter 7 involves liquidating assets to pay off creditors, while Chapter 13 allows you to keep...
If you’re dealing with a lot of debt, it can be easy to lose track of it. When you get a phone call, email, text or letter from a collection agency, you might assume that you owe the money they say you do. That’s not always the case. That’s why it’s important to know...
Debt is challenging financial reality that many people face. Unfortunately, most people assume that poor financial decisions are the primary cause of debt. In reality, life’s unpredictability can often be the real culprit. Certain major life events can lead to...
Married partners in financial distress often face the difficult decision of whether to file for bankruptcy jointly or separately. It is a significant decision that can affect both partners’ financial futures, and understanding the implications of either option is...
Even though bankruptcy has become so common it has lost much of its social stigma, a lot of people are still concerned about the way that they might be judged by others – especially their employers. If you’re contemplating bankruptcy but you’re worried about whether...
Medical bills in this country keep rising – and they can financially overwhelm almost anybody. If you’re dealing with an unexpected hospital bill (or one that was just unexpectedly high) there are several things you can do to try to lower or manage the bill. These...
It’s hard to lose your home because of financial setbacks. Worse still, however, is losing your home and still ending up with a massive load of debt because the bank sold the property for less than what you owed. A short sale is often touted as an easier, gentler way...
Healthcare in the U.S. isn’t free. While comprehensive insurance programs can cover a lot, they do not necessarily cover everything. What this means is that a significant number of people end up in medical debt. Some procedures are much more expensive than others....
Bankruptcy is often the last resort of those struggling with significant financial obligations. In some cases, people delay bankruptcy filings despite struggling with their finances and worrying constantly about making ends meet. When people rely on revolving lines of...
Under New Jersey law, a lender that wants to foreclose has to send the debtor a notice of intent (NOI). This indicates that a foreclosure is coming in the future, providing information to the borrower and also giving them a timeline. For instance, after receiving the...
