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August 2017 Archives

When are collection efforts considered harassment?

New Jersey consumers who are overrun by debt know how stressful and overwhelming it can be to feel out of control. You may find yourself in a similar situation, wondering how you will ever catch up on your owed balances and make the phones calls, letters and other collection efforts stop. However, it is possible that what you are experiencing is not normal collection practices but falls into the category of harassment.

Can Chapter 13 bankruptcy help you keep your home?

It's bad enough that some financial calamity prevented you from keeping up on your mortgage payments. Then you began receiving calls, letters and other correspondence from your lender, telling you to pay up, even though you made it clear that you aren't able to make the payments under the current terms of your mortgage loan. You probably tried everything to work something out, but your lender refuses to work with you. Now, your lender threatens to file for foreclosure and take your home away from you.

Can bankruptcy discharge your outstanding debts?

As someone facing a variety of different types of debt, you may think that each type needs its own method of repayment or discharge. However, rather than taking several small steps in hopes of eventually getting out from under substantial debt, you may want to consider taking one significant step in order to have at least some of your liabilities forgiven. In many cases, filing for bankruptcy can help achieve such a goal.

Adults of all ages should have an estate plan in place

The estate planning process is something that many young adults tend to associate with older people. This isn't a good thing at all. Any adult, no matter how old they are, should have an estate plan in place since nobody can definitively say when they will pass away.

Know what to consider when choosing an executor

Getting your estate plan together is a relief for most people. Just knowing that it is all done can bring you a sense of peace. One factor that you have to think about when you are making the estate plan is who is going to be the executor of the estate.

You can stop the pain and embarrassment of wage garnishment

Wage garnishment is an unfortunate consequence that many people face when dealing with overwhelming debt. If you find that the garnishment of your wages is causing further financial strain on your life and you cannot manage your outstanding balances without help, you may find it beneficial to learn how you may be able to make it stop.

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