Most New Jersey consumers know that their credit score can affect whether they get a home loan, a new car, or even a new credit card. What most consumers are not aware of is that being delinquent on credit cards can have a larger effect on your credit score than any...
Month: December 2012
Can they stop harassing phone calls from creditors in New Jersey?
Many people in New Jersey have been the victim of harassing phone calls from bill collectors. Up until now, the only real defense against these phone calls was to stop answering the phone. Now, the federal government may help consumers stop harassing phone calls from...
New Jersey bankruptcy: It may be possible to lower interest rates
Many New Jersey consumers may not know that it is possible to get a credit card company to lower your interest, and in some cases, they may even work with you on a payment plan. There is a saying that it never hurts to ask, and that saying is true for the most part....
New Jersey bankruptcy: Christmas and financial management
It's that time of year again. The holiday shopping season is in full swing, and many in New Jersey are feeling the pressure to find that perfect gift for each person on their list. One big question that comes up every year is how consumers are paying for those much...