Over the past 36 years the biggest fear that my clients have is losing their home if they file a chapter 7 bankruptcy. First, we have to look at the entire picture. If you are behind on your mortgage and you want to keep your home, then you should file a chapter 13...
Year: 2021
Year: 2021
WHAT DO I DO WITH MY STIMULUS CHECK OR TAX REFUND?
For people struggling financially due to the Covid 19 Pandemic, is a $1,400 stimulus check or tax refund truly going to resolve their financial issues and make them debt free? If a stimulus check or tax refund can get you totally debt free where you have no balance on...
Debt Escalates Larger All Year
Since the Covid-19 Pandemic hit, most people have been DELAYING dealing with their debt since there are moratoriums on evictions and foreclosures. Even though the courts are open in New Jersey and creditors are pursuing collection cases, the key word is DELAY since...
I AM VERY CONFUSED ABOUT THE COVID-19 MORATORIUM’S AND GOVERNOR MURPHY’S EXECUTIVE ORDERS. CAN I LOSE MY HOME IF I AM BEHIND ON REAL ESTATE TAXES?
Since Covid-19 has hit there is so much uncertainty and many people do not understand the Executive Orders signed by Governor Murphy. The process with real estate taxes is as follows: New Jersey law requires that all 566 municipalies hold at least one tax sale per...
I FEEL SO STRESSED OUT. I AM PAYING OVER $2000 PER MONTH ON CREDIT CARD DEBT AND A PERSONAL LOAN. WHAT DO I DO SINCE THERE IS NO END IN SIGHT?
Since Covid-19 has hit there is so much uncertainty and many people are getting deeper in credit card debt and personal loans. They are making payments each month which is killing them and not putting a dent in principal. Besides everybody worrying about Covid-19,...