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December 2012 Archives

New Jersey bankruptcy: Credit scores may be sunk by credit cards

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 other type of debt. For families that are struggling with their debt, bankruptcy may actually save their credit score.

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 creditors.

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. There is no guarantee that a credit card company will do what a consumer wants them to, and there is no guarantee that a consumer may not decide that bankruptcy protection is the responsible choice to make.

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 sought after Christmas gifts. It is during this time of year that some consumers forget their financial management and wind up deeper in debt and facing the prospect of bankruptcy.


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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