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Behind on your mortgage or facing a sheriff’s sale in New Jersey? Chapter 13 bankruptcy may help stop foreclosure, give you time to catch up on missed payments, or allow you to sell your home and protect valuable equity. Learn your options before it’s too late.
If a creditor freezes your bank account in New Jersey, do not assume the money is already gone. A bank levy usually means a judgment has already been entered, but exemptions, objections and challenges to a default judgment may still be available. Acting quickly can make a significant difference.
Filing bankruptcy can trigger an automatic stay that stops many creditor collection actions. Learn what the automatic stay can stop in New Jersey, what it does not stop, and why waiting until the last minute can cost you more money and unnecessary stress.
Can you keep your car if you file bankruptcy in New Jersey? Learn how car equity, loans, exemptions, Chapter 7 and Chapter 13 affect your vehicle.
iling bankruptcy does not automatically mean losing your home. Learn how home equity, bankruptcy exemptions, your mortgage and the choice between Chapter 7 and Chapter 13 can determine whether you can keep your New Jersey home.
you do not lose your assets getting a fresh start in bankruptcy
You may have been trying to hold everything together for a long time. Maybe you are paying the minimum on your credit cards, but the balances never seem to go down. Maybe you are behind on your mortgage or car payment. You may be afraid to answer the phone because it could be another creditor. … Continued
A simple guide for New Jersey individual and families facing financial strugges Bankruptcy is a legal tool that may help people who cannot keep up with their debts. It can stop many collection actions, help protect property, and give you a path toward a fresh financial start. The right choice depends on your income, property, … Continued
A New Jersey report releases this summer indicates that house foreclosures are on the rise again with Somerset County seeing a 54% increase in first time foreclosures and Monmouth County seeing a 44% rise in first time foreclosures. Due to massive layoffs and business closures in the State and the rising cost of everyday items, … Continued
Budgeting is a very useful tool when it comes to managing your income. It can be a real trial to wrap one’s head around the usefulness, so here’s some ideas of its benefits. To start, budgeting gets you to become aware of where your money is going. You might think that you already understand it … Continued