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What is wage garnishment, and how can you make it stop?

There are many negative consequences to owing a significant amount of debt. In addition to the stress of watching your balances increase and getting calls from debt collectors, you may also get notice of a wage garnishment. This means that your New Jersey employer will be withholding a portion of your wages for the purpose of paying off your debts. 

Filing for bankruptcy does not mean you give up your property

The choice to deal with your overwhelming debt through bankruptcy is not an easy decision to make. It is a major step for New Jersey consumers, and it requires careful thought and consideration before you move forward. Before you file for Chapter 7 bankruptcy, you may find it beneficial to learn about how this process will affect your property rights.

Do I need a trust in my estate plan?

For many people, a will is sufficient for their estate planning needs. A simple estate with few assets and limited beneficiaries probably does not need a more elaborate plan as long as the benefactor makes provisions for medical and financial powers of attorney. However, you may be wondering if a will is enough for your estate.

Is Chapter 7 or Chapter 13 your best bankruptcy option?

When your financial ship first started sailing off course, you might have felt a bit panicked. That's not an uncommon reaction to money problems, especially if your situation involves threats of foreclosure on your home or other potentially dire consequences. Hopefully, your panic subsided after learning that many New Jersey homeowners are able to access options that help them secure immediate debt relief while simultaneously stopping foreclosure. Perhaps you are considering bankruptcy options to help you get your finances back on track.

Have you considered adding incentive trusts to your estate plan?

Finding the best way to address your assets when considering your estate plan can prove difficult. You may need to determine who should receive certain property, how your remaining years could affect potential inheritance amounts and how your surviving loved ones could potentially utilize the funds or other property you bequeath to them. Luckily, the options available for estate planning could help you answer many of these questions.

Deciding on a path by gaining an understanding of the process

If you are constantly struggling to keep up with monetary obligations, like so many others, you could be experiencing the burdens of debt. Overwhelming amounts of debt can have a substantial impact on your everyday life, and the financial uncertainty of similar concerns could leave you feeling stressed out and emotionally drained.

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.

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