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October 2013 Archives

New Jersey homeowners unable to stop foreclosure live rent free

In many states, families whose home loans are being foreclosed are given an average of 30 days to vacate the home. However, as the people who live here already know, New Jersey is not like other states. In our state, when a homeowner is unable to stop foreclosure, they may get to stay in their home during the foreclosure process, which could take up to 1,000 days.

New Jersey bankruptcy: What happens when insurance won't pay?

Many New Jersey residents would agree that health insurance is supposed to take care of most, if not all, of the insured's medical expenses. Even so, there are some instances where the patient's portion is still more than a person can afford. Even worse, there are times when an insurance company refuses to pay a claim for one reason or another. At that point, patients may need to look for debt relief options ranging from payment plans to bankruptcy.

New Jersey bankruptcy: Doctors are giving out credit?

With the economy the way it is, and has been for several years now, many people in New Jersey are avoiding going the doctor or dentist. People simply don't have the disposable income to pay for routine procedures, let alone an emergency. People often joke about having to file for bankruptcy after having been to the doctor, but with the rising cost of medical and dental care, that may not be much of a joke anymore.

Federal shutdown: Will federal employees seek bankruptcy help?

There are nearly 800,000 federal workers who aren't being paid during the government shutdown. For at least one family, an extended shutdown could mean filing for bankruptcy. The shutdown came after a difficult summer of federal furloughs and an emergency surgery. Not unlike many New Jersey families, his family has been living off loans and credit cards. He hasn't been furloughed yet, but could be soon.

1991 law used to stop harassing phone calls from creditors

Bank of America customers in New Jersey may be pleased to hear that the bank recently agreed to a $32 million settlement regarding "robocall" complaints from nearly 7.7 million of its mortgage and credit card customers. The 1991 Telephone Protection Act was passed to stop harassing phone calls from creditors and established the "do-not-call" registry. According to the act, creditors are not allowed to make collection calls to cell phones without a customer's express consent.


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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