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Essex County Bankruptcy Blog

How Does Eviction After Foreclosure Work in NJ?

How Does Eviction After Foreclosure Work in NJ.jpgFor any homeowner, the prospect of foreclosure is a nightmare. You house is part of your American Dream, your biggest investment, and where your children sleep. Sadly, foreclosure happens a lot as people find themselves in circumstances where they are no longer able to keep up with their home payments. If you are having trouble paying your mortgage loan, or if foreclosure proceedings have already been initiated you may have questions about the foreclosure and eviction process.

Should I Pay Off Debt With My Retirement?

Should I Pay Off Debt With My Retirement (3).jpgDebt struggles can be an incredible burden on a person's mental and emotional well being. The constant stress of a growing pile of unpaid bills, the ever-rising interest penalties, and your inability to make ends meet can result in a desire to turn off the lights and hide under your covers.

What if a Creditor Sues Me?

What if a Creditor Sues Me (2).jpgIf you are struggling with debt, you are well aware of this timeless fact: creditors are relentless in their pursuit of money. They are willing to engage in all manner of collection efforts, including harassing letters and phone calls to get what they believe they are owed. Sometimes, creditors will even file lawsuits against debtors.

Dealing with Liens

Dealing with Liens.jpgBankruptcy is a process in which debtors either give up assets or reach a payment plan in order to pay off creditors, with the ultimate goal of discharging all qualifying debt. There is a lot of hard work and emotional energy that goes into accomplishing this feat. When the dust settles after a bankruptcy court discharges a person's debt, they may feel a great sense of relief.

Credit Counseling and Bankruptcy

Credit Counseling and Bankruptcy.jpgBankruptcy is a measure of last resort when it comes to debt relief. In fact, bankruptcy laws and the courts are designed to specifically protect people who actually need the relief, and not people who don't actually need it. This is because there is a delicate balance of the property rights of creditors to money they are owed versus the rights of debtors to get out of the prison of insurmountable debt.

Forgiveness of Debt Income

Forgiveness of Debt Income.jpgWhen you have made the tough decision to file for bankruptcy relief and the dust has settled, the absolute last thing you want to think about is preparing your tax return. However, in order to rebuild your credit after bankruptcy, it is really important to make smart financial decisions and to be consistently aware of traps. One debt-related subject that is often misunderstood is how debt forgiveness is treated when it comes to your taxes.

Consumer Credit: Houston, We Have a Problem

Consumer Credit Houston, We Have a Problem.jpgConsumer debt is a very real, and very big problem for many Americans. And it is only getting worse. As of March of this year, consumers in the United States carried a total of $3.87 trillion in consumer debt. This astounding number is a historic record, which indicates that people are spending more money than they have at a record pace. With that in mind, it is important to remain informed for the sake of your financial future.

Staying in Your Home With A Mortgage Loan Modification

Staying in Your Home With A Mortgage Loan Modification.jpgHomeownership is an essential element of the American Dream. There is a great amount of pride in picking out (or building) a home, raising your children there, and putting money into the house as an investment into your financial future. Unfortunately, home loans can have very long terms, and a lot can change in your life during that time.

Bankruptcy Mistakes to Avoid

Bankruptcy Mistakes to Avoid.jpgThe purpose of bankruptcy is to provide much-needed relief to debtors who are unable to repay their outstanding debts. This relief brings the ability to sleep better at night, without the constant stress of trying to make minimum payments, of constantly struggling to make ends meet, and of aggressive creditors. However, it is entirely possible to jeopardize and harm your ability to reap the benefits of bankruptcy.

Our bankruptcy attorneys will help you escape debt and
face the future with optimism.

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