Providing New Jersey Residents With A Fresh Start

chapter 7 and chapter 13 bankruptcy Archives

Understanding the Fair Debt Collection Practices Act

Most people would not like to deal with phone calls, e-mails or notices from debt collectors, but they're more common than people might realize. Harassment by debt collectors causes intrusion into people's personal lives, breakups families, loss of jobs and even results in personal bankruptcies. However, there are laws that can protect people from such harassment.

Role of bankruptcy trustee in Chapter 7

One of the basic objectives of bankruptcy is to provide a new start for debtors. If you're planning to file for bankruptcy, then you must understand the whole process. The role of a bankruptcy trustee is one important subject that raises many questions in bankruptcy proceedings.

Bankruptcy filing can help get rid of medical debt

Many people in New Jersey may not want to apply for a loan because of the penalties that may arise if they default. Sometimes, a debt obligation is unavoidable, like those that are incurred in a medical emergency. Considering the troublesome nature of medical expenses, the law also protects people from being harmed by the consequences of medical debt.

Bankruptcy is one remedy to get rid of debt

New Jersey residents who have credit card debt may be interested to know that the credit card debt rate in the United States has risen significantly. People often fail to realize the risks associated with uncontrolled borrowing and those who do not plan well may soon find themselves facing financial obstacles. Those people should understand that debt may seriously affect their economic and social life.

Chapter 13 filing may help save your home from foreclosure

A number of debtors lose their houses in New Jersey by failing to pay off debt. Unscrupulous creditors may manipulate borrowers, get an order of foreclosure and dispossess the distressed debtors from their homes. It quickly becomes very necessary for debtors to avoid foreclosure in order to save their houses.

Most Americans see no end to their debt problems

America runs on debt. It is something that most of us have, yet people rarely feel comfortable discussing it with people they know. If you are feeling overwhelmed by your own debt, the comforting news is that you’re not alone.

When holiday debt can lead to bankruptcy

It is easy to let the consumerism of the holidays reel you into its trap. Also, it feels good to give loved ones expensive gifts. But while making big purchases during the holiday season may make sense at the time, it can leave you in debt once the new year arrives. According to a recent survey, Americans accumulated an average of around $1,000 over the 2017 holiday period. This amount of debt alone can take months to years to pay off, especially for those who can only make minimum payments with high interest rates.

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