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You have probably heard that it is extremely difficult to discharge student loans in Chapter 7 and Chapter 13 bankruptcy filings. So, what happens to your student loan when you file a personal bankruptcy? The answer varies depending on your unique situation, the kind...
If your paycheck is no longer going as far as it used to and your bills are piling up, it is time to get real about your debt and consider filing a Chapter 7 or Chapter 13 bankruptcy. If you are wondering how you know when it is "the time" to file your case, the first...
The statement in a recent national news article that about one in every seven adults across the country "is being pursued" by a debt collector conjures up the image of a nation on the run.A recent report by the Center for Responsible Lending (CRL), a nonprofit group...
When medical debt rears its ugly head, what emerges as immediately notable are the disturbing numbers associated with it. Here are just a few. Statistics supplied by the national health policy group Kaiser Family Foundation indicate that more than 30 percent of all...
A common viewpoint espoused by some people seeking to explain why certain consumers in New Jersey and elsewhere face a significant level of credit card debt goes something like this: Those people simply don't manage money as well as do others with lower debt levels....
Using credit cards and promptly paying off monthly balances is often touted as a smart and easy way to boost one's credit score. But life isn't that simple. A spouse may lose his or her job, a child's illness may require an unplanned trip to the ER or a furnace could...
When opening the newspaper or turning on the television, New Jersey residents are likely to find reports detailing signs of the U.S. economic recovery. While the financial positions of many Americans have improved since 2008, for an estimated 2.3 million Americans...
When contemplating retirement, many New Jersey residents likely look forward to traveling, playing golf and spending winters in a more temperate climate. Retirement has long been considered a time when, after years spent working, individuals are finally able to relax...
Many New Jersey residents who are now in their 30s and 40s grew up in families that were considered to be middle to upper class. As such, many likely enjoyed taking family vacations, owned one or more cars and were able to attend and pay for college without accruing...
According to the Kaiser Family Foundation, an estimated 33 percent of Americans struggle to pay medical bills. No one is immune to medical debt and many of those who report having difficulty paying medical bills are insured through job-based group plans. However, even...