Due to the foreclosure crisis that our country has faced, the federal government and numerous state governments enacted laws aimed at prohibiting the abuses that many mortgage lenders were using including harsh variable interest rates, foreclosure rescue scams,...
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Year: 2016
Can you Repay your Credit Card Debt?
If your holiday spending got out of control and you are wondering how you are going to pay your credit card debt, you are not alone. In fact, it has been reported by NerdWallet that the average American household has approximately $15,000 in credit card debt. But how...
Protect your Financial Welfare: Proceed with Caution to an ATM
Most people consider it very safe to pull money from automated-teller machines (ATMs) for quick withdrawals of cash. Unfortunately, there are scammers who are using ATMs to steal your personal information, including your PIN number, debit card number, expiration date...
5 Important Tips for Preparing for Bankruptcy
If you are facing overwhelming amounts of debt and you are not sure what debt relief options are available to you, let us help. Bankruptcy is not the only way you can deal with your debt, especially if you seek help before your financial situation gets beyond repair....
The New Jersey Foreclosure Mediation Program
If you are facing foreclosure of your home, it is important to educate yourself about the New Jersey Foreclosure Mediation Program. Several government agencies have combined their efforts to find solutions to the overwhelming number of foreclosure cases in the state....
Defending Bankruptcy Lawsuits
Many people file for bankruptcy protection because they need relief from their creditors. A personal bankruptcy filing can be shelter from the harassing collection efforts of debt collectors. However, while rare, it is possible for a lawsuit to be filed against you in...
Why Loan Modifications are Better than Refinancing
If you are trying to decide whether to refinance or modify your mortgage, it is important to understand how each option works. Many homeowners are surprised to learn that they can modify their mortgage even when they are current on their payments. It isn't a common...
A Cautionary Tale: Lawsuits are an Asset of your Bankruptcy Estate
The U.S. District Court for the District of New Jersey recently held in Lewis v. Portfolio Recovery Associates, LLC, that a debtor's failure to list a lawsuit as an asset of his bankruptcy estate resulted in his loss of the right to claim violations of the federal...
Atlantic City & Trenton Top the Charts for Metro Foreclosures
According to RealtyTrac, the New Jersey metropolitan areas of Atlantic City and Trenton had the highest metro foreclosure rates in the United States for November of 2015. This is the fifth straight month that Atlantic City and its surrounding area have topped the...