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If you are one of the many Americans who struggle with debt, then you intimately understand the emotional strain that comes with ceaseless harassment from debt collectors. Despite your best efforts and hard work, you find yourself unable to keep up with credit card...
Utilities are a major monthly expense and one that can be hard to plan for because we are often at the mercy of Mother Nature when it comes to heating, cooling or water usage. As you know, utility providers have a powerful way of forcing you to pay utility bills-they...
You’re broke and your creditors are banging on the door. You need to take action. If you declare Chapter 7 bankruptcy, you know a trustee will take most of your assets and sell them to pay your creditors. Will you still have a place to live? The answer: Maybe. Here's...
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...
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,...
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...
Your small business represents the culmination of hard work, innovation, and your hopes for a bright future. Unfortunately, taking this risk to make it on your own can come with hiccups. In fact, many small business owners find themselves struggling with debt as part...
Debt 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...
When 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...
No matter what you have read online, the decision to pursue bankruptcy proceedings is a deeply personal one and is not a one-size fit all solution for everyone. In fact, bankruptcy proceedings can be complicated and may not turn out the way you hope. This is why it is...