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How Do I Improve My Credit After Filing for Bankruptcy?

When you have filed and completed a successful bankruptcy, the court gives you a clean financial slate, and the right to begin a fresh financial start. That's great, but many people worry that they will never have a decent credit score again.

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Bankruptcy Words You Need to Know

If you are thinking about filing for bankruptcy, it's a good idea to become familiar with some of the common everyday words that are used in bankruptcy law. By learning what these words and phrases mean, you will be a more educated client, and you will have a better understanding of what bankruptcy is all about and how the bankruptcy process can help you get a new lease on life,

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Can You Run up Your Credit Card Balances Before You File for Bankruptcy?

You have to be very careful about running up a lot of credit card debt before you file for bankruptcy. If you do this, it could be used as evidence against you that you intended to defraud your creditors, and you could be prevented from legally wiping out your bills.

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Are You Afraid of Foreclosure in New Jersey?

Is there any homeowner out there these days who is not afraid of mortgage foreclosure?So many people have gotten "deferrals" and "forbearances" on their mortgages for maybe12 months or even more. It sure is great to live in your house without paying your mortgage,

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Do You Get out Of All Debts if You Declare Bankruptcy?

This is a very common question we often get from potential clients. Let's face it - one of the primary reasons that people file for bankruptcy is to be legally released from as many debts as possible. If you do it right, the best result from bankruptcy is usually to have all of your debts legally forgiven by the federal government and at the same time also be allowed to keep all of the property and assets you own.

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You Got Sued in New Jersey and You Lost. Now What?

This blog focuses on what a creditor can do once they've won the lawsuit against you. So let's assume you owed $10,000 on your Bank of America credit card. You fell behind on your payments, you got sued, and you lost the case.

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"Free Money" for New Jersey Homeowners - Hurry, Hurry, Get Your "Free Money"

Does $325 million sound like a lot of money to you? Let me show you how deceptive that figure might really be.How many homeowners do you think there are in the state of New Jersey? I just looked it up on Google, and Google tells me there are about 2.5 million homeowners in New Jersey.

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Breaking Newsflash: Help for New Jersey Homeowners Is on The Way.

Many New Jersey homeowners haven't had the ability to make their monthly mortgage payments for 6 months or more. Under normal conditions they would be facing foreclosure, but thanks to Covid related homeowner assistance programs, a vast amount of these homeowners are not considered to be behind in their mortgage payments.

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Are Positive Bankruptcy Law Changes Coming for New Jersey Residents?

Get ready - there might be some very positive changes coming to help people that are in debt and trying to decide whether filing for bankruptcy would be a good or a bad decision. Several members of Congress have been actively lobbying to make important changes to the existing bankruptcy laws in this country.

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How Do Sheriff's Sales Work in New Jersey?

It's got to be a pretty scary time for you if your precious home has been listed for sheriff's sale in New Jersey. You've probably worked for years and years to keep your payments up to date, and now suddenly, due to totally unexpected circumstances that are no fault of your own,

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