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A special needs family member could benefit from a specific trust

If your New Jersey family cares for a loved one with special needs, you understand the complexities and costs that come with this responsibility. You may worry about what will happen after you are no longer around to take care of your loved one, but there are ways that you can plan for his or her care long into the future. There are specific estate planning tools that could benefit you. 

Pursuing relief from debts by seeking the facts about bankruptcy

If you are constantly unable to keep up with your monthly monetary obligations, like many others, you could be experiencing the consequences of dealing with the burdens of debt. Overwhelming amounts of debt can leave you in dire financial straits, but with numerous outlets of relief to consider, you may be uncertain how best to proceed.

Could a living will benefit your estate plan?

Estate planning allows you to cover many bases relating to issues that could arise near the end of your life or after your death. Many individuals may think that an estate plan only provides information about how to distribute assets after a person's passing, but that is far from the reality of this process. As you work to create a comprehensive estate plan, you may wish to consider how it could apply to your health care near the end of your life.

Could you benefit from filing for Chapter 13 bankruptcy?

Almost everyone can understand what it's like to experience financial trouble from time to time, but you may find that your financial woes extend far beyond what you can ever manage on your own. Like other New Jersey consumers, you may not be able to manage your debt and catch up on your payments.

Debt and probate

You may not think about your debt beyond making monthly installment payments. If you have considerable debt, you may have resigned yourself to the fact that you will never pay it off in your lifetime. Perhaps you believe that your death will bring an end to what you owe, and the balances will simply dissipate. You may also believe that, despite your debts, your children or other heirs will inherit your assets.

Ways to overcome major credit card debt

Perhaps things have gotten a bit out of hand for you, financially speaking. You should know that you are definitely not the first person (nor will you be the last) in New Jersey to face such challenges. The economic condition of the state, and the nation, is constantly fluctuating. Some years, you may be on top of your game; others may find you pinching pennies a bit tighter than usual. The question is how to avoid serious financial disaster. Even if you know the answer, it's no guarantee you won't ever be in debt.

Treating your pet like family to the very end

If you have a Fido or Fluffy who has been a member of your family ever since you can remember, you are certainly not alone. You are among the fortunate many for whom a loving and loyal companion has graced your life. You may return that love and loyalty in many ways, least of which may be the amount of money you spend on food, vet bills, necessities and treats. In fact, studies show that the average New Jersey household spends about $787 a year on pets.

Not all debt settlement and repair options are created equal

You find yourself in debt, but you do not believe it is severe enough to warrant a bankruptcy filing. What do you do? Most New Jersey residents have heard of debt settlement or repair firms. You know, the ones that tell you to stop paying your creditors, pay them instead and they will work with your creditors. Sounds decent enough, and they make it seem like it will take a lot of stress of your plate, but will it?

Taking a gamble to pay off debt may not have desired outcomes

Financial problems rarely go away on their own, even if you hope that they will. Numerous New Jersey residents struggle with overwhelming debt, and though they may want their finances to get back on track quickly, finding the best method for addressing that debt could prove difficult. Though you may initially feel that you could spend the rest of your life trying to avoid creditors, various useful debt relief methods could help you work toward a fresh financial start.

Thinking about filing a Chapter 7 bankruptcy? Take a means test

If you are in a bad economic way with little hope of seeing improvement without help, you are not alone. Many New Jersey residents have been where you are. If you are thinking about pursuing a Chapter 7 bankruptcy but are not sure if you qualify, there is a simple way you can find out -- take a means test.

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