Times are tough for legions of Americans spanning the country, including many individuals and families residing in Central New Jersey and elsewhere across the state. That’s hardly a surprising observation, is it? The current health crisis — hopefully soon controlled —...
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Considering bankruptcy? Know these do’s and dont’s before you file
Even just thinking about bankruptcy can be overwhelming. Financial worries are stressful enough, and thinking about all the things that have to be done just adds to the worry and fear. As bankruptcy attorneys, we see this every day.It's important to know that you...
Chapter 7 vs. Chapter 13 bankruptcy
When you are considering bankruptcy, the terminology alone can make your head spin. There are many different types, and each has its own requirements and restrictions. It is difficult for an individual to know which type will be right for them. Of course, it is always...
Why debt relief should be at the top of your New Year’s resolutions list
The holidays can be a difficult time for many reasons, not the least of which is financial. There are many costs associated with celebrating the holidays, and bills can pile up. After the holidays, many people already on financially precarious footing, can feel even...
You can buy a home after bankruptcy
Bankruptcy can be a truly frightening prospect. One common worry is that bankruptcy will prevent you from ever qualifying for a mortgage, and thus, owning a home.Fortunately, there are ways to minimize the impact bankruptcy has on your financial future, including your...
Why now might be the right time to file for bankruptcy
Don't make the common mistake of filing for bankruptcy later than you should Most people who file for bankruptcy have probably been considering doing so for some time. Generally, people wait longer than necessary to file for bankruptcy, usually hoping that something...
Bankruptcy can be an option when credit cards become unmanageable
Credit card delinquencies have risen to levels not seen in years. This trend reflects both the rising amount of household debt and the increasing tendency of banks to lend excessive amounts (e.g., through very high spending limits on cards), despite a borrower's...
Can bankruptcy help with my tax debt?
Both Chapter 7 bankruptcy and Chapter 13 bankruptcy can offer relief from many types of unsecured and other debt, as well as help to reduce financial pressure from creditors that can reduce the quality of your life in a number of ways. However, bankruptcy's benefits...
In debt? Here’s why you shouldn’t raid your retirement accounts
Living under a heavy burden of debt can be incredibly stressful. Most people feel strongly about making good on their financial obligations, and will go to great lengths to climb out from under a mountain of debt. While attempting to repay outstanding debts makes...
3 reasons to make debt relief part of your New Year’s resolution list
Making ends meet is difficult enough. However, there are many people who struggle under an extremely heavy debt load, and getting out from under that financial burden is or should be a top priority. If you or someone you know is in this situation, then perhaps debt...
