When a New Jersey homeowner is behind on his or her mortgage and is otherwise overwhelmed financially, he or she may turn to the bankruptcy court for help. Filing Chapter 13 bankruptcy often allows homeowners the opportunity to keep their homes while reorganizing...
This week, the country celebrated those who served in the military by observing Veterans Day. Unfortunately, not everyone shows respect for those who risked lives for this country. An auto lender headquartered outside of New Jersey was recently ordered to refund or...
New Jersey readers may already be aware that last year, the Federal Trade Commission filed a lawsuit against a debt collection company believed to be using illegal practices to collect money from consumers. That suit not only helped to stop harassing phone calls from...
It has been several years since the housing market crashed and three years since Hurricane Sandy hit New Jersey. However, the amount of outstanding and delinquent mortgage debt in the state has moved it to the number one spot in the nation for foreclosures. Now that...
New Jersey consumers who find themselves with mountains of debts may be overwhelmed by the many suggestions by friends and family who are eager to give advice on how to remedy the situation. One of the options -- and possibly the most effective one -- is personal...
New Jersey residents encounter financial difficulties from a variety of sources. Some are recovering financially from divorce, long-term illnesses or injuries, or some other life-altering calamities that end up leading to an overwhelming amount of debt. Others simply...
Being overwhelmed by debt can cause a great deal of stress, fear and anxiety. Those feelings may be alleviated by making the decision that filing for bankruptcy in New Jersey is your best option. However, the process is paper intensive and complex, which may only...
The days of retiring debt free are long gone for many of New Jersey's elderly residents. Now, many worry that their Social Security benefits will be garnished in order to pay their debts. Those benefits may be safe from some creditors, but not all. Filing for...
When a New Jersey resident files for bankruptcy, the first step is to determine under which Chapter to file. This decision is often less about the individual's preference since income level often drives that choice. If a person's income is above a certain level, he or...
New Jersey's economic landscape remains in a state of flux -- mostly thanks to Super Storm Sandy and the crash of the housing market. Hard working residents struggle every day just to keep their heads above water. Filing for either Chapter 7 or Chapter 13 bankruptcy...
