Once you determine that you need to file for bankruptcy, you then need to make certain decisions about how you will do so. The form or chapter of bankruptcy that you file will have a major effect on how bankruptcy works in your case. In a Chapter 13 bankruptcy, you...
If you're under contract to purchase a home, your lender may require you to have a home inspection before extending you a mortgage. Even if they don't, it's in your best interest to schedule one. Your real estate contract may allow you to pull out of it if the...
Events over the last several years (or the last year alone) have pushed your finances to their breaking point. Unfortunately, when your debts are breaking your bank account, they can also break you: Debt problems can have seriously negative consequences for both your...
It’s very interesting to study divorce rates. Many people have heard the misnomer that half of all marriages end in divorce, or they’ve heard that the divorce rates just keep going up because the younger generation doesn’t care about marriage. In reality, though, the...
If you find yourself drowning in debt with limited means to pay what you owe, you may find yourself thinking about filing for Chapter 7 bankruptcy protection. This liquidation type of bankruptcy may allow you to wipe your financial slate almost completely clean. A lot...
Like many college graduates, you might be wondering if you bought into a false dream. People told you that going to college would help you secure a good career. They told you you would soon be able to pay off the student loans you took out to get you through college....
One thing that you should know, regardless of the financial situation you’re in, is that you have the right not to be harassed by debt collectors. According to the Fair Debt Collection Practices Act, or the FDCPA, debt collectors cannot oppress, harass or abuse you or...
Tax season is not something that most of us look forward to. If you’re recently separated or divorced, the whole thing may feel more confusing than ever. Even the very first question – your filing status – may give you pause. Determining filing status As far as the...
Many states require homeowners or their buyers to hire an attorney to oversee residential real estate transactions such as closings -- for good reason. Yet, New Jersey isn't one of those states. Why, then, should you have an attorney involved in your real estate deal...
Going through a divorce is usually a complex undertaking. It can be very stressful, which can have a negative impact on your mental state. That can make it difficult to function normally. It’s best for you to learn ways that you can cope so you’re able to move forward...
