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December 2015 Archives

Consumers can stop harassing phone calls from creditors

New Jersey residents who are behind on their bills know what it is like to have creditors and collection agents calling. Many debt collectors will demand money immediately, using threats and continuous calls meant to harass and intimidate. However, consumers can stop harassing phone calls from creditors because many of the tactics they use violate federal law.

Small business owners also file for Chapter 7 bankruptcy

Some New Jersey businesses are run by one individual doing business as the company. When the company is in financial trouble, the individual is often found liable for the company's debts. Many of these small business owners will file for Chapter 7 bankruptcy in an attempt to rectify their financial situations.

Property exemptions in Chapter 7 bankruptcy

Many New Jersey residents who are overwhelmed by debt want to file for bankruptcy liquidation. However, they might fear that they will have to surrender all of their property to pay their creditors. Fortunately, there are property exemptions for those who are eligible to file Chapter 7 bankruptcy. There are federal exemptions and state exemptions, and a filer may be able to choose between the two.

Dealing with debt collectors can lead to bankruptcy

Collecting debts is big business, and even though there are federal laws regulating the methods companies are allowed to use, lines are crossed, and it is the consumers who pay for it. In 2013, the Federal Trade Commission (FTC) received approximately 200,000 complaints regarding questionable tactics used by collection agencies. Those tactics have resulted in numerous consumers across the country -- and here in New Jersey -- filing for bankruptcy.

Stop wage garnishments attached to your paycheck

New Jersey readers might already know that wage garnishments are a tool often used by creditors to collect debts for which they have obtained a court judgment. A certain percentage of money is removed from each paycheck to cover the the debt. Of course, this process assumes that the person whose wages are being garnished actually owes the debt. When this happens, it may be possible to stop wage garnishments attached to your paycheck by paying the debt, making alternate arrangements with the creditor or filing for 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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