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...
Year: 2013
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...
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...
New Jersey homeowners still trying to stop foreclosure
It has been said that the number of foreclosures has gone down across the country. Unfortunately, that doesn't seem to be the case here in New Jersey. Many homeowners are still struggling to stop foreclosure of their homes. Nationwide, the percentage of new...
New Jersey bankruptcy: Are student loan holders allowing default?
It seems as though more people than ever are taking on student loan debt. When it comes time to repay those loans, many people aren't being offered programs that could make it easier for them to make payments. Many people may have ended up having to file bankruptcy...
New Jersey bankruptcy: Be sure to do your research
Most everyone in New Jersey would love to be debt free. In the search to pay off debts, some people may end up in worse financial shape than they were before and may end up filing for bankruptcy protection by not doing their research. Reading the fine print could save...
New Jersey bankruptcy: Credit limits and cash advances
Many people in New Jersey forget the impact that certain actions regarding credit cards can have on their credit and their wallets. But worse than that, there are certain action regarding credit cards that can be warning signs that a consumer is in trouble financially...
New Jersey bankruptcy: Debt relief traps consumers fall into
Consumers around the country and in New Jersey are often working to pay off their debt. Many people, however, fall into financial management traps that can actually sabotage their efforts. There are certain debt relief strategies that come just short of bankruptcy...
Many New Jersey homeowners still unable to stop foreclosure
The housing market may be recovering in some states, but in New Jersey, there are still problems. The percentage of homeowners that are still trying to stop foreclosure of their homes is over six percent. This may be due, at least in part, to the judicial foreclosure...
When should New Jersey residents file bankruptcy?
Anyone who has struggled with financial issues knows that it can be difficult. Some people are able to work through their issues, while others seem to continue to get deeper and deeper into debt. There are certain circumstances under which New Jersey residents may...
