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When you file for bankruptcy, you are required to take credit counseling courses. They are online and over the phone and only take about 45 questions. They ask you questions about your financial situation and really only tell you that you should cut your spending but they are required. You have to have your attorney … Continued
New Jersey defines a home improvement contractor is anybody who does work on your home. They must inform you of their price range, the timeline of the job and the materials they are going to use. If you didn’t get the information you were entitled to, you should speak to an attorney.
Some of the assets that you can protect during bankruptcy include your car, your house, your furniture, among many other things. A dollar value is assigned to just about anything and you may be able to exempt some of your belongings. You can also combine exemptions if you would prefer to use it on one … Continued
Though many people do not realize it, there could be benefits to filing for bankruptcy when it becomes your only option. Filing for bankruptcy can allow you to get a fresh start on your finances. Even though bankruptcy stays on your credit report for 10 years, you will be able to repair your credit and … Continued
There are many violations that a repair shop can make when they are supposed to be fixing your car. You should always be given the old parts to your car and the warranty that is attached to the new parts that are put into your car. It is important to know what you are paying … Continued
The Consumer Fraud Act, the Lemon Law, and the General Contract Law all serve to protect car buyers in New Jersey. Some car dealerships will take advantage of you and don’t give you the car you thought you were purchasing. You are entitled to all of the documentation that is supposed to come with your … Continued
Debt settlement companies will ask for a fee up front to settle your debts for you but they don’t actually do it. They violate the New Jersey Consumer Fraud Act by taking advantage of people who they know will go to great lengths to settle their debts. An attorney can help you recover the money … Continued
Bankruptcy stays on your credit report for 10 years but your credit does recover. You will be able to get a credit card after your bankruptcy ends. Charge small payments monthly on your credit card and pay the minimum every month in order to start building up credit again.
Having a levied bank account means that no money can leave your bank account. Social Security and Public Benefit money cannot be frozen but anything else can be. You should seek legal counsel to determine if there are any defenses you can bring to acquire an exemption to protect your money.
The two ways to resolve unfair treatment by an auto dealer are through arbitration or going to court. You have to have all of the documentation for the car and a written report from a mechanic who has inspected your car. A lawyer should also take a look at the documentation so they can determine … Continued