When you make financial plans for yourself, one of the last things that you would expect to drag you under are surcharges for motor vehicle violations. Sadly, it is a reality for many New Jersey drivers to experience the wrath of the point system administered by the...
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Year: 2018
What is an Information Subpoena in NJ?
Lawsuits are a tool used by creditors to collect their debts. Often, they file many of these lawsuits at one time against numerous debtors, counting on an outsize percentage of these defendants to ignore the lawsuit. These defendants may be overwhelmed by the lawsuit...
Stop Your Creditors Cold with an Automatic Stay
No one has ever accused a creditor of being patient and understanding. To the contrary, stories of aggression, harassment, or hostility are the norm. If you have been trying to pay your debts, but continue to be on the receiving end of notices, threats, and collection...
Reasons to File Bankruptcy Now
If you are struggling with debt, you are not alone. As bankruptcy attorneys who have guided clients through the bankruptcy process for three decades, we have seen a great many people find themselves unable to keep up with debt and interest payments. Unfortunately,...
Bankruptcy Can Help End Wage Garnishment
Creditors can be relentless and ruthless when it comes to collecting on debts. They use every tool at their disposal, including letters, phone calls, and social media harassment. Can Bankruptcy Stop a Wage Garnishment? Yes, filing a bankruptcy can stop a wage...
Getting Out of a Vehicle Loan in Bankruptcy
If you look at your ongoing monthly expenses, you vehicle loan is probably up there as one of the big ones. Unfortunately, while your high, fixed car loan payment remains the same for the term of your loan, depreciation causes the value of the vehicle to decrease over...
Solutions to Crushing Medical Debt
There isn't a person in this country who wants to have a serious medical condition, suffer a traumatic injury, or require ongoing medical treatment. Beyond the physical and emotional tolls that come with medical ailments, medical care is expensive. In fact, medicine...
The Negative Consequence of a Pre-Bankruptcy Spending Spree
When you make the wise choice to seek bankruptcy protection from creditors, you do so because you need relief and you desire some space to re-establish your financial independence. In essence, bankruptcy is an opportunity to get aggressive creditors off your back...
Celebrities Benefit from Bankruptcy and So Can You
People often believe that if they were rich and famous, they could live a happy life free of financial worries. Unfortunately, life is rarely worry-free for anyone. In fact, just like the rest of us, some of the most rich and famous people in the world have struggled...
Dealing with An Upside Down Mortgage
Homeownership is an expensive investment in your family's future. When you purchase a home, you do so with the expectation that it will appreciate in value. Otherwise, you would just rent. Sadly, many Americans find themselves in a position where the value of their...