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June 2015 Archives

A letter can stop harassing phone calls from creditors

When New Jersey residents get behind on their bills, it can be overwhelming. Creditors and debt collectors begin calling, which only adds to the stress and frustration people who are having trouble with their finances are already feeling. Under the Fair Debt Collection Practices Act, writing a letter to each company will stop harassing phone calls from creditors. However, before taking that step, consumers should verify the details of the debt they supposedly owe to each creditor.

Bankruptcy can be complicated

Bankruptcy can be a complicated and paper intensive process. What some people may not realize is that the paperwork requirements begin before the petition is even filed. Every filer -- regardless of whether filing Chapter 7 or Chapter 13 -- must complete a credit counseling course within 180 days of the filing of the petition. The U.S. Bankruptcy Court must approve all credit counseling services, and a list of approved services for New Jersey residents is maintained by the court.

Not having enough medical insurance could lead to bankruptcy

Between the monthly premiums and the out-of-pocket expenses that accompany medical insurance, many New Jersey residents are finding that having medical insurance does not seem to be saving them any money. Individuals who contract illnesses or are injured in accidents often end up with an overwhelming amount of medical debt. This situation could lead to the need to file bankruptcy.

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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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West Caldwell Office
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