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New Jersey has consistently been ranked as one of the states with the highest rate of foreclosure in the nation. Many of the troubled mortgages relate back to the financial crisis of 2008. Homeowners were sold mortgages with adjustable interest rates, interest-only...
When you are struggling to pay your bills, you are looking for every way possible to save money. However, if you are not careful, you can become the victim of a scam and end up losing much more than you thought possible! Thus, if you see an advertisement that makes...
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...
When you emerge from a personal bankruptcy and the overwhelming burden of your debt has been lifted, you can relax some. However, it is important that you don't fall into the trap of thinking that your work is done. As soon as possible, you should begin rebuilding...
If you are planning to file a personal bankruptcy and you are expecting a tax refund, it is essential that you confer with us as soon as possible. This blog will provide general guidance, but it is important to let us review your individual circumstances and determine...
You have probably heard that credit card debt is one of the main reasons people have to file for bankruptcy. What you may be surprised to learn is that the actual debt may not be the cause as much as the interest that accumulates on the debt! If you are somebody who...
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...
If you are facing divorce and considering filing a Chapter 7 or Chapter 13 case, you may be wondering "when is the best time for me to file my bankruptcy case?" The answer is that it depends on your individual circumstances. Below is some general guidance, but it is...
If you are planning to file for bankruptcy protection, you are probably wondering what will happen to your secured debts, such as your home loan or car loan. A secured debt is created by any loan where you have pledged an asset to the lender as collateral. If you fail...
Once you obtain your discharge order, can you finally breathe a sigh of relief? In the vast majority of the cases, the answer is "yes." However, there is a small area where a creditor or the trustee can seek to have your discharge revoked. This complaint must be based...