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When you are struggling financially, you are probably looking for every way that you can save money. If you are facing the foreclosure of your home, you may think you can save money by handling the lawsuit on your own. However, before you do so, consider the...
If you are severely delinquent on your mortgage loan payments and you believe your lender will soon be taking action, it is important to understand how foreclosure works in New Jersey. Foreclosure is the legal process where the lender obtains a court order allowing it...
If you have lost your home in a foreclosure, you may be shocked to learn that you still owe a debt to your mortgage lender! Although the real estate market is slowly recovering, most homeowners in New Jersey have borrowed more than what their home is worth. Thus, when...
If you are struggling to pay your mortgage loan payments and you believe that foreclosure is in your future, don't ignore the problem. The quicker you take action, the more likely you are to obtain a positive result. Avoiding foreclosure, even by filing for...
It common for people to think they should do everything in their power to avoid filing for bankruptcy protection. However, according to a report by the Federal Reserve Bank of New York (FRBNY), this is often a very costly mistake. Businesses get it. They understand...
If you are facing foreclosure of your home, a loan modification may be the answer to your troubles. Before you modify a loan, it is important to understand the pros and cons, including:Pros of Modifying a Mortgage Loan· You can obtain a lower interest rate...
One of the biggest concerns people have when considering bankruptcy is whether they will be able to keep their home. The good news is that bankruptcy law offers you several options that permit you to keep your house in both Chapter 7 and Chapter 13 filings. However,...
If you are a New Jersey homeowner and you are past due on- your mortgage loan payments, you are probably wondering when your lender will start the foreclosure process. New Jersey is a judicial foreclosure state, which means that mortgage lenders must typically use the...
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...
Life is full of surprises, many of which are accompanied by unexpected expenses. When a car breaks down or a plumbing emergency occurs, New Jersey residents may need to rely upon credit cards or cash advances to make ends meet. So-called payday loans offer short-term...