You are allowed to modify your mortgage Private investors are more likely to be interested in adjusting your loan in order to limit their losses

The mortgage company takes back the title to your house when it goes into foreclosure. The judge will ultimately determine whether or not your property should be foreclosed upon and it will be auctioned off at a sheriff sale. There is a very limited amount of defenses that you can have against foreclosing on your … Continued

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

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

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.