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May 2015 Archives

Woman found a way to stop harassing phone calls from creditors

It is most likely a safe bet that no New Jersey consumer is fond of debt collectors. The practices used by debt collection agencies and other creditors bend -- if not break -- the limits placed on them under the Fair Debt and Collection Practices Act (FDCPA). One woman from the Midwest managed to find a way to stop harassing phone calls from creditors attempting to collect a debt from her that she did not even owe.

Legislators look to stop foreclosure actions from taking so long

Here in New Jersey, foreclosure proceedings can take nearly three years to complete on average. This means that homeowners may be kept in limbo for several years -- from the day the lender's notice of intention is filed through the completion of the sheriff's sale. Legislators have decided to attempt to stop foreclosure actions from taking so long to complete.

Basics of a Chapter 7 discharge

When a New Jersey resident receives a discharge in bankruptcy, he or she is no longer liable for the debts affected. Further, the creditors to which those particular debts were owed may not attempt to collect them from the individual. However, certain financial obligations cannot be discharged in a Chapter 7 bankruptcy, and under certain circumstances, a discharge can be denied.

Filing for Chapter 7 bankruptcy does not need to be a last resort

Conventional wisdom tells New Jersey residents that they are obligated to struggle in order to pay off their debts, regardless of how overwhelming their financial situations are for them. People are often discouraged from filing bankruptcy out of a false sense of moral obligation to faceless corporations. In fact, filing for Chapter 7 bankruptcy does not need to be a last resort, it can be the first step toward a better financial future.

Even if medical billing errors are fixed, bankruptcy may be best

Any New Jersey resident who has been to the doctor lately is painfully aware of the fact that the cost of health care is on the rise. To make matters worse, it is estimated that nearly 49 percent of medical bills sent to patients contain errors. Even if these errors are corrected, patients could still owe a substantial amount to doctors, hospitals and other medical providers, which still makes bankruptcy a viable option for many people to use to eliminate this type of debt.

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At the law offices of Minion & Sherman, our New Jersey bankruptcy attorneys have been providing families with real solutions for more than 20 years.

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