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People often put off filing for bankruptcy because they view it as a sign of financial failure. Unfortunately, this misconception keeps them from seeking relief when they need it the most. The reality is that bankruptcy is a legal tool that allows individuals and...
A person's will controls their property-related legacy. Parents can leave assets for their children and select guardians to care for them. Business owners can name someone they trust to take over the company. People with a variety of different valuable assets can...
Ridding yourself of your debts or being permitted to restructure them in a way you can handle is the prime aim most people have when they file for bankruptcy. That financial boost alone makes it a valid choice for many. Yet, other benefits often come when a court...
Estate plans go stale quickly. A document you signed years ago may no longer reflect your family, your assets or New Jersey law. Life events that require an immediate update Certain changes can't wait for a routine review. Act as soon as possible after any of these:...
The repayment plan established in a Chapter 13 bankruptcy is a reflection of a filer’s total debts and income. People who make the necessary payments can discharge the remaining balances on their eligible unsecured debts. Some people struggle to complete the repayment...
Estate planning is more than preparing documents for the future. It is a thoughtful process that helps you organize your assets, define your wishes and ensure that your loved ones are supported when you are no longer able to manage your affairs. It’s important to look...
As a married couple in financial distress, joint bankruptcy can be a powerful way to reset your finances. Still, it’s not something you should rush into. Filing jointly means combining your financial worlds in a way that requires careful planning, honest conversations...
Studies have found that the average American does not have an estate plan. One of the top reasons that people give is that they are waiting until they are older, implying that they believe they are currently too young. Often, this belief centers around the idea that...
Single parents carry tremendous responsibility. You are the primary source of stability, guidance and financial support for your children. Because so much falls on your shoulders, estate planning is essential. Having the right legal documents in place can provide...
Chapter 7 bankruptcy is a liquidation bankruptcy. A person has overwhelming debt, but they still own specific assets. They are required to liquidate nonexempt assets—there are often key exemptions for things like tools of the trade, residential property or...