When you consider filing for bankruptcy, you may become familiar with the terms “Chapter 7” and Chapter 13.” However, you may not understand the nuances that exist between the two types. Both are methods of filing for personal bankruptcy. Yet, there are some important...
Whether you are struggling to pay your monthly bills or simply want to better manage your debt, you should know your debt-to-income ratio. Not only does this percentage tell you how much debt you have relative to your income, but it plays an oversized role in your...
The end of a marriage through divorce can be both traumatic and rewarding. Individuals may choose to end their relationships with their spouses when they no longer function together as a cohesive unit and may mourn the loss of their future together. However, after a...
Child custody is always based on what is in the best interests of the child but it can be useful for parents concerned about child custody to take a closer look at the different child custody options available. Child custody and what is best can look different for...
Bankruptcy and Your Pet West Caldwell is a canine’s paradise. After all, the area has trails, parks and other places that are perfect for pooches. If you have a dog, you also likely have a better quality of life. In fact, according to psychologists, spending time with...
When you file bankruptcy, the court requires that you list all of your liabilities and assets. In Chapter 7 bankruptcy, the court may seize your assets, sell them and use the profits to repay your creditors. While this may seem like the court will take everything you...
When parents who live in New Jersey divorce or have not married, the state's Child Support Enforcement Agency may order one parent to pay child support. The law requires both parents to financially provide for the child until he or she is an adult. Either parent can...
If you have fallen behind on your mortgage payment or car note and are struggling to catch up, bankruptcy might be a viable solution for your circumstances. You might find yourself wondering if it can stop lenders from foreclosing on your home or repossessing your...
The most recent data regarding foreclosures across the country, including here in New Jersey, indicates that numbers have finally fallen to pre-mortgage crisis levels. Much of this is attributed to economic growth and the fact that lenders are clearing out foreclosed...
Many New Jersey residents find themselves in financial distress for one reason or another. By the time they consider filing bankruptcy, creditors could be calling incessantly and demanding payment. Fortunately, one of the benefits filers enjoy is that filing for...
