People encounter financial hardships due to various reasons. This might include medical bills, job loss or overwhelming credit card debt. Bankruptcy can provide a legal and structured path to financial recovery when these challenges become insurmountable. In New...
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Bankruptcy
What should I know about a bankruptcy trustee?
Your mounting debts may cause you to file for bankruptcy protection. If a court approves your petition, expect that you will interact at times with a bankruptcy trustee. While you might have heard of trustees before, a bankruptcy trustee has specific duties that...
Rebuilding your credit after filing for bankruptcy
Bankruptcy can mark a significant setback in your financial journey, but it is not the end of the road. The process of rebuilding your credit after filing for bankruptcy can be a challenge, yet it is a necessary step toward regaining your financial health. Every cloud...
4 Ways bankruptcy can help you regain control of your life
Debt can be overwhelming. It might feel like an insurmountable mountain that is constantly looming over you. When debt piles up and it feels like there is no way out, bankruptcy could be a viable solution. Bankruptcy can seem scary, but it is a legal process designed...
The problem with a high credit utilization ratio
If you struggle with debt, you are not alone. People born between the mid-1960s and 1980 have, on average, $32,878 in debt, not including mortgages. There are various good reasons to use loans and credit cards when it comes to debt. In times of economic hardship,...
What will your credit score look like following bankruptcy?
Many people consider bankruptcy to be a last resort, but it can also be a fresh start for many people facing too much debt. If you are considering bankruptcy, your biggest concern may be your credit score. Understanding what to expect of your credit score can help you...
Which debts are not discharged in bankruptcy?
Bankruptcy is an advantageous tool for many Americans, as it can help discharge many oppressive debts and many types of debt. From personal loans to credit card debt, bankruptcy can help you eliminate outstanding balances across several sources. That said, bankruptcy...
How bankruptcy’s automatic stay protects you from creditors
Many New Jersey residents facing increasingly overwhelming debt decide to file for bankruptcy because they grow tired of having creditors harass them at home, at work or both. Creditor harassment may well prove anxiety-inducing, but once you formally file for...
What debt collection tactics are illegal?
Falling into debt is stressful enough, but you may feel at your wit’s end if you are also facing a steady stream of communications from creditors and debt collectors. While New Jersey debt collectors have a right to try to reclaim what you owe them, there may be...
Is it feasible for you to pay off your medical debt?
Even if you have a comparatively minor injury or ailment, you may spend tens of thousands of dollars on a diagnosis and treatment. Unfortunately, medical care costs more than most Americans can afford, often leaving individuals with substantial debt. According to...
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