Let Our 30 Years Of Experience Work For You
The threat of foreclosure can be an incredibly unnerving experience. Despite your best efforts, you have been unable to keep up with your mortgage payments, which has led to the stress of phone calls, notices, and threats that you will lose your home. And to make...
If you are looking for an alternative to filing for bankruptcy protection, you may be considering settling your debt. In debt settlement, you negotiate with your lender(s) to pay a smaller amount than what is owed as payment in full. While this may seem like the...
Unless you have committed fraud, they are dischargeable. Many retired or disabled individuals rely on Social Security benefits to pay for their necessities. If the Social Security Administration (SSA) mistakenly pays you more retirement or disability benefits than you...
This is a frequent worry of individuals who rely on their Social Security check to live. Generally, Federal law, which applies everywhere, makes your Social Security benefits exempt from levy, garnishment or assignment by regular creditors. This means that even a...
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...
As bankruptcy attorneys who have helped thousands of people get debt relief through bankruptcy, we know that many people fear filing for bankruptcy because of myths and false misconceptions about what bankruptcy can and cannot do. In actuality, there are more...
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 mortgage payments begin to pile up, it won't be long before your lender contacts you to find out what's going on. If you miss multiple payments, you can expect to receive a foreclosure notice by mail. Although this is scary, it doesn't mean you've lost your home...
Many things can have impacts on a person’s overall debt and financial situation. This includes how high of a credit card balance he or she has. A recent report indicates that such balances are typically pretty high here in New Jersey. The 24/7 Wall St. report, using...