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Which is Better – Debt Consolidation or Filing for Bankruptcy?
If you’re facing serious challenges in paying your bills, and debt collectors are calling and harassing or threatening you, then you may find yourself considering either debt consolidation or filing for bankruptcy. The two options both sound appealing, and the advertisements on radio and television for debt consolidation make it sound easy, and less embarrassing then bankruptcy, but the truth is that when things are really bad, bankruptcy is the most powerful and only real solution that works to your advantage. Let’s look at the reasons why. First, let’s look at debt settlement. In most cases, debt settlement companies charge …Read More ➡
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How to Work with Creditors Before Filing for Bankruptcy
If you owe money to the credit card company or any other creditor, and you’ve fallen significantly behind, there’s a good chance that you’re hearing from them — a lot. In addition to month after month of bills marked PAST DUE in big red letters, they’re probably calling you, threatening to sue, and generally making your life miserable. These tactics are all illegal under the Fair Debt Collection Practices Act, and the debt collectors all know this, but few pay attention to the rules. All that they’re interested in is collecting their money, and they’ll say just about anything to …Read More ➡
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Foreclosure and Bankruptcy in South Jersey
Among the top concerns for South Jersey homeowners who are struggling to keep up with their bills is whether they will be able to hold onto their home, particularly once they are threatened by the bank with foreclosure. Foreclosure is the process of taking possession of a mortgaged property when the person named on the loan does not keep up with their payments. Foreclosure actions do not come from out of the blue – the homeowner will generally know that they have not kept up with the payments that they owe and will have receive several notifications of the impending …Read More ➡
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What to Consider When Looking for a South Jersey Real Estate Attorney
Though most people who need a real estate attorney are looking for help with the purchase or sale of residential or commercial property, real estate attorneys do far more than that. Their practice extends to land use, development, leasing contracts, financing, and litigation. If you are looking for a real estate attorney in South Jersey, there are a number of things that you should take into consideration, including their experience and knowledge in the particular area that you need help with. If you are looking for a real estate attorney to help you purchase or sell a home, it is …Read More ➡
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What to Ask an Attorney Before Filing for Bankruptcy in Philadelphia and South Jersey
If you’re having financial problems, you’re not alone. Whether you’ve been impacted by illness or disability, divorce, the loss of your income, or some other economic misfortune that has resulted in being unable to pay your bills, you need help, and bankruptcy may be the solution you need to provide you with relief. The thought of bankruptcy may fill you with dread, but the truth is that the process if fairly straightforward and can offer you a real sense of relief and opportunity to start out fresh. Many of the reservations that people have about filing for bankruptcy arise from …Read More ➡
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How To Get A $500 No-Fault Divorce in Pennsylvania
If you’re looking to get an Uncontested (No-Fault) Divorce in Pennsylvania, then you’ll want to read on. Over the past several years, the Commonwealth of Pennsylvania has progressively amended its laws to make the divorce process quicker and easier for both parties. This has led to an increase in more people filing for divorce without the services of an attorney – oftentimes to an unfortunate outcome. The most common time-frame for the finalization for an uncontested divorce is around three to four months. In the best situations, no lawyers are needed, and you can resolve all proper allocations of property …Read More ➡
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South Jersey Property Tax Appeals – Deadline To File is April 1st!
The window for filing for a New Jersey property tax appeal is a short one – the process is only available between February 1st and April 1st. If you live in Gloucester Township, Washington Township, or anywhere else in the South Jersey area, then it is very likely that you are paying inordinately high property taxes. Homeowners in New Jersey pay the highest property taxes of any state in the country, and in some counties the taxation runs more than two times the national average. With Gloucester County’s tax rates running at a representative 2.672% and the numbers expected to …Read More ➡
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How to Approach a Contested Divorce – Legal Advice From a Philadelphia Lawyer
In the state of Pennsylvania, there are generally two kinds of divorce: no-fault and fault-based. No-fault divorces are by far the most common types of divorce, in large part because they are straightforward and simpler, and they are less expensive. In many cases, couples can accomplish a no-fault divorce without ever having to go to court other than to submit the appropriate paperwork. Alternatively, couples who pursue fault-based divorces are required to prove that their spouse is guilty of some kind of misconduct such as abuse, abandonment or adultery. One member of a couple can object to a divorce taking …Read More ➡
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Filing Bankruptcy in Philadelphia – 5 Tips from an Experienced Attorney
Managing personal and business finances can be difficult for anybody, but when you are having so much trouble that you are constantly receiving calls and letters from bill collectors and you can’t manage to figure out how to pay your bills, it may be time to file for bankruptcy. Filing bankruptcy in Philadelphia is a big decision, and one that shouldn’t be made without the guidance of an experienced Philadelphia attorney who can explain the various types of bankruptcy filings that are available to you, which is most advantageous, and what the pitfalls and advantages are of going forward. The …Read More ➡
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Foreclosure Help in Philadelphia: How A Lawyer Can Help You Through the Process
Facing the possibility of a foreclosure is a true nightmare for a homeowner. When a lender decides to take action to recover the balance of their loan from a borrower by forcing the sale of the house, they are doing far more than taking a property – they are taking away hopes and dreams. If you have found yourself in the untenable position of having become so delinquent in paying your mortgage that this is a possibility, then the first thing you need to do is get yourself some help. For foreclosure help in Philadelphia from an experienced, compassionate attorney, …Read More ➡
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