Ever heard of the saying “there’s an app for that?” Well, there really is. If you are having trouble managing your finances on your own, then there are plenty of apps that offer assistance. What is beneficial about these apps is that they are at your disposal and can be used at any time. Essentially, …
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Your credit score is an important number to know and to keep track of. A good credit score is something each of us aspires to have. It is an important factor when it comes to borrowing money. However, trying to pinpoint a specific number to consider “good” can be tricky. There are a lot of …
Filing for bankruptcy can be a scary thought. However, many report that filing for bankruptcy gave them a fresh new start and saved them from insurmountable financial troubles. If you’re considering bankruptcy, it is important to recognize these warning signs. Are you living paycheck to paycheck while only paying minimum payments? You need to be …
5 Signs You Should Consider Filing for Bankruptcy Read More »
It is that time of year again: the time to welcome in the New Year. This is the perfect moment to make a New Year’s resolution for things you would like to do better next year. Making a resolution is something that many people dread because they’re afraid they will fall short. Improving finances tends …
You just finished your bankruptcy case and your lawyer tells you that your case will stay on your credit report up to 10 years. However, there are credit repair companies that ensure they will be able to erase all the negative reports and improve your credit score. How is this possible? Letters of Dispute The …
Can a Credit Repair Company Erase My Bankruptcy? Read More »
Most types of retirement plans are protected from any type of bankruptcy you file. For example, if your retirement plan is completely protected and you file for a Chapter 7 petition, this means that the trustee will have no right to use any of it to pay your creditors. (However, there are few exceptions to …
What Happens To My Retirement Benefits In Bankruptcy? Read More »
Money is an extremely important thing that everyone needs in life. However, money is extremely easy to lose track of and it can be very easy to owe more than you have. Here are five bad financial habits and how to fix them. Spending more money than you make: It is much easier to spend …
If you file for bankruptcy and have debt with a co-signer, it could potentially affect them. Each type of bankruptcy will have a different affect on your co-signer and it’s important to consider them when reviewing your options. Below, I’ve outlined the different types of bankruptcy cases and their involvement with co-signers. Chapter 13 …
What Happens to My Co-signer When Declaring Bankruptcy? Read More »
Many of my clients are not sure which type of bankruptcy to choose. This is understandable since the bankruptcy process can be confusing without proper guidance. There are four types of bankruptcy cases provided under the law: Chapter 7 results in a discharge of most debts and allows people to have a fresh start. This …
Filing for bankruptcy can cause a large amount of emotional stress, but there is also a financial element of stress that is involved. Many of my clients ask me how much it costs to file for bankruptcy. Keep reading for an estimated breakdown of the expenses. Court Fees for Filing Bankruptcy in New Jersey You …
How Much Does it Actually Cost to File for Bankruptcy? Read More »
Hundreds of thousands of Americans, including consumers and business owners, file for bankruptcy each year. While many think this situation is the result of overspending, most cases are due to financial hardship such as job loss, costly medical bills, divorce, or a poor economy.
