How long will my Chapter 13 bankruptcy take?

How long will my Chapter 13 bankruptcy take?

You work hard to provide for yourself and your family, but sometimes that paycheck just isn’t big enough to make ends meet. If you’re struggling with debt but have a steady income, Chapter 13 bankruptcy might be the solution to your debt troubles. Bankruptcy is no one’s first choice, but it may be a better… Read more »

How Much Does It Cost to File For Bankruptcy in New Jersey?

How Much Does It Cost to File For Bankruptcy in New Jersey?

If you’re struggling with debt, you probably don’t have a lot of extra cash lying around.  Can you afford to file a bankruptcy case? Let’s take a look at the costs associated with filing for bankruptcy in New Jersey. Pre-Filing Costs Before you file for bankruptcy, you’ll have to go through a credit counseling class…. Read more »

Advance Fee Loan Scams in New Jersey: What to Look For

Advance Fee Loan Scams in New Jersey: What to Look For

Low credit score? It makes getting a loan or credit card nearly impossible. No matter how hard you work and how much you need the cash or the credit, you can’t seem to get around that score. Where can you turn when you need credit but can’t get it? Wherever you look for credit, beware… Read more »

Debt Settlement in New Jersey: Understanding Your Options

Debt Settlement in New Jersey: Understanding Your Options

You’ve probably seen ads on TV for free debt relief, debt reduction, and get-out-of-debt-now services. They claim that you can be debt-free in one year or less, or that you can reduce your debt by 50% with one phone call. They make claims that seem too good to be true – and they are. Debt… Read more »

New Jersey Receives a “D-” for Protecting Families in Debt

New Jersey Receives a “D-” for Protecting Families in Debt

The National Consumer Law Center (NCLC) recently published a study evaluating state law protections for debtors and their families. It found that not a single state provided adequate protections to allow debtors to continue to work and provide for their families. In 2012, 25% of the complaints received by the FTC related to debt collection. It’s… Read more »

Wage Garnishment Laws in New Jersey

Wage Garnishment Laws in New Jersey

When debt collectors are calling every day, demanding that you repay your bills, it’s tempting to just ignore them. Don’t pick up the phone and maybe you won’t have to deal with it. Unfortunately, debt collectors have ways to collect whether you allow it or not. Wage garnishment is the act of a creditor taking… Read more »

Debt Collection in New Jersey: Know Your Rights

Debt Collection in New Jersey: Know Your Rights

Debt Collection in New Jersey You’re struggling with your bills. Maybe you had health problems or maybe some unexpected expenses came up and you’ve fallen behind. Now debt collectors are calling you and demanding payment. What are your rights? The Fair Debt Collection Practices Act The Fair Debt Collection Practices Act (FDCPA) protects you from… Read more »

The Consumer’s Guide to Bankruptcy and Divorce

The Consumer’s Guide to Bankruptcy and Divorce

Bankruptcy and Divorce Add death and taxes and we have a perfect storm of unhappiness. At least bankruptcy and divorce aren’t certainties. However, they’re just as uncomfortable to discuss. Money and personal finance disagreements are a leading cause of divorce in the United States. In fact, one study cites arguments about money as the top predictor of… Read more »