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Many adults in New Jersey understand how important an estate plan can be. The documents that they create can help to determine what legacy they leave behind when they die. Testamentary documents like wills also play an important role in providing for dependent family...
Millions of people in the U.S. are currently struggling to make ends meet. For some, there is just no feasible way of paying back the debts they owe. In such instances, bankruptcy may be the best option. Bankruptcy allows individuals to write off some debts or at...
People don’t always make an estate plan, even though they know that it can be helpful. When they pass away, an estate plan can be used to divide their assets between their beneficiaries. Additionally, estate plans can help with things like making future medical...
Did you know approximately 41% of Americans have some medical debt? If you are facing medical debt and the amount, along with your other obligations, is suffocating you, it may be time to consider bankruptcy. However, before moving forward and filing for bankruptcy...
In financial management, bankruptcy can be a daunting but necessary option for individuals and businesses facing overwhelming debt. If you’re considering bankruptcy, it’s crucial to understand the key distinctions between Chapter 7 and 13 bankruptcy. Breaking down...
A successful bankruptcy filing can significantly improve someone's financial circumstances. Bankruptcy can reduce how much someone has to pay toward debt every month and protect their current assets and future income from collection efforts. Those who have acquired a...
A Totten trust, which is a type of bank account, can be part of estate planning. You can set this up at your financial institution and name a beneficiary for that account. You can choose virtually whomever you want as the beneficiary. Some people choose family...
When it comes to estate planning, many individuals focus on wills, trusts and other legal documents. However, one often overlooked but valuable addition to your estate plan is a "Letter of Intent." However, you may wonder if this Letter of Intent is necessary. Does...
Filing for Chapter 7 bankruptcy can be critical for individuals or businesses seeking relief from overwhelming debt. However, not all filings are accepted. Denials can result from various factors. Understanding these can help potential filers avoid common pitfalls....
Some people who should declare bankruptcy avoid doing so because of bankruptcy stigma. Bankruptcy can be associated with failing or shame, and in turn, one may choose to be in debt, dealing with endless calls from creditors and potentially facing lawsuits. This guide...