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With the student loan crisis facing thousands of millennials, companies are taking note and starting to offer debt relief options as a recruitment perk. Most graduates do not care about gym memberships and free snacks as much as they want help with their student loan...
Hopefully you have read our prior blog titled "What you need to know about Vehicle Repossessions in New Jersey" for an explanation of what can and cannot occur when your car is being seized by your lender. This blog will focus on what happens after your car has been...
If you believe your wages or bank account are about to be garnished by a creditor, or you have already received notification that a garnishment has been filed, it is time to consider filing a personal bankruptcy case before you lose money. How does it work? Once you...
you have been struggling financially for a long time now, you may be wondering how you will know when it is time to seek bankruptcy protection. Although no two situations are the same, below are some of the top reasons you should consider filing a Chapter 7 or Chapter...
Many people who meet with us want to know if they can keep their car if they file for Chapter 7 bankruptcy. This is very important because the car is needed for many people to get to work or to school As with most things, the answer is "it depends." However, most...
If you are facing financial struggles and you have more than one mortgage on your home, you should consider filing a Chapter 13 bankruptcy case. There are many benefits offered by a Chapter 13 filing. It is a flexible and comprehensive tool for handling all of your...
When you file a Chapter 13 bankruptcy, you can take advantage of the "cramdown" tool. The cramdown allows a debtor who owns a vehicle that is worth less than what is owed on it to reduce the balance and interest rate on the car loan. A vehicle begins to depreciate in...
If you are delaying filing a Chapter 7 or Chapter 13 bankruptcy because you are concerned who will find out about it, hopefully this blog will calm your fears. While bankruptcy filings are a matter of public record, the reality is that your family and friends are...
The two main types of consumer bankruptcy filings are Chapter 7 and Chapter 13. Below is a short summary explaining the differences between each type of filing. Chapter 7 You must be eligible to file a Chapter 7 case. To determine if you qualify, you must pass the...
All bankruptcy debtors are required by the Bankruptcy Codeto attend the meeting of creditors (also called the 341 meeting); yet in most cases, it is a very quick and painless process.. Usually the meeting does not last very long and it is fairly casual. First of all,...