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Scura, Wigfield, Heyer, Stevens & Cammarota Blog

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Things to Consider Before Filing Chapter 13 Bankruptcy in New Jersey

man considering Chapter 13 bankruptcy

If you are struggling financially and cannot find an easy way to pay off the debts you owe, filing for Chapter 13 bankruptcy in New Jersey may be the best option for regaining control of your finances. However, before you begin the bankruptcy filing process, it is important that you consider all of the pros and cons. Filing for Chapter 13 doesn’t have to be a frightening affair but it isn’t something that should be taken lightly either. The bankruptcy process can affect your future credit, your self-image and your reputation but it can also improve your short-term quality of life. Are you considering Chapter 13 to put a stop to harassing phone calls and letters from your creditors? Be sure to weigh out the benefits and drawbacks with our experienced bankruptcy attorneys before you file.

Are All Debts Dischargeable in Chapter 7 Bankruptcy?

credit card bill

Chapter 7 bankruptcy can be an extremely helpful way to get back on your feet financially after you have been struggling. It allows you to “start fresh” and try again. In that process, most of your debts can be forgiven entirely, which means that those harassing phone calls and intimidating letters will stop coming. It results in significant freedom for many individuals and companies that are stressed financially.

Famous People Who Have Filed Bankruptcy

Famous People Bankruptcy

People often feel embarrassed or ashamed when filing for bankruptcy. However, it's more common than you would think. High profile athletes, musicians, actors and entrepreneurs regularly file for bankruptcy, often as the result of unforeseen circumstances or an unsuccessful business venture. Serious illness, family tragedy and business deals gone bad can send your life and finances into a tailspin. Filing for bankruptcy is never an easy decision, but sometimes it's the right one.

Why Credit Cards Can Be Harmful for Financial Health

person using credit cards

For new credit card users or those looking to build their credit, the idea of taking out a “free” line of credit can be exciting. But if you aren’t careful, credit cards can be potentially hazardous to your financial health. In fact, maintaining a healthy credit score with one or more credit cards can also be difficult for more experienced credit card users. If you’ve recently been thinking about applying for a credit card or you’re wondering if it’s time to get rid of your current credit cards, there are a few important risks to be aware of. While there can be many benefits that come along with responsibly using credit cards, for many people the cons definitely outweigh the pros. However, if you can learn to develop better credit card habits, you'll have a better chance avoiding some of the most common financial mistakes.

Debt Relief Strategies: What Will Work for Your Stage in Life?

mother reading to childThe type and amount of debt that you have directly correlates with your stage in life. Older people face different debt challenges because they also have also likely accumulated more assets than a younger person as well. Your debt relief strategies may vary depending on where you are in life and your unique financial situation.

How to Find the Right Attorney for Chapter 7 Bankruptcy in New Jersey

man searching for a Chapter 7 bankruptcy attorney on laptopFiling Chapter 7 bankruptcy in New Jersey can be an extremely stressful and personal experience. You need to have the right person to walk you through the process. Having an experienced, compassionate, and understanding attorney will make the process easier. Your lawyer will also help you decide how you should treat specific property and which options will be the best for your family and your personal finances. However, there are so many options when it comes to lawyers. How can you tell which attorney and which firm is the right choice for you?

How Chapter 13 Bankruptcy Can Stop Creditor Harassment

woman with stop hand motionOne of the most frustrating things about finding yourself in a difficult financial situation are the constant harassing phone calls from creditors. While your creditors do have a right to do what they can to collect payments on debts that you owe, if you are unable to make any payments the never-ending barrage of phone calls can be overwhelming and leave you feeling hopeless. If you have been considering filing for Chapter 13 bankruptcy, it is important to note that this will not only give you a chance to take control of your finances once again but the process will also put an end to harassing phone calls from creditors.

How to Know When You Need to Hire a New Jersey Car Accident Lawyer

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If you or a loved one has been involved in a car accident, enlisting the help of an experienced New Jersey personal injury attorney is in your best interest. A knowledgeable and skilled car accident lawyer will do everything possible to ensure that you are awarded the damages you deserve following a motor vehicle accident. In addition to navigating the legal process of filing a personal injury claim, the team at Scura will help to complete important paperwork, negotiate with insurance companies and protect your legal rights to help you win the settlement you deserve. But knowing exactly when it’s time to hire a car accident lawyer can mean the difference between losing out on monetary damages that you are entitled to and feeling comfortable in a proper settlement.

Is It Public Record if I File Bankruptcy?

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Filing bankruptcy is an extremely personal decision. Whether you should file at all will depend on your current personal and financial situation and your goals for the future. However, filing bankruptcy can put the most intimate details of your finances on “display” for everyone to see, which can be intimidating and nerve-wracking for many filers.

How New Jersey Bankruptcy Differs from Federal Bankruptcy

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Making the decision to file for bankruptcy is always a difficult one and it should be something that you’ve put a great deal of time and thought into. Filing for bankruptcy in New Jersey will have an effect on your future credit, your way of life and the process could even take a toll on your reputation. However, it can quickly put into action changes that improve your short-term quality of life by making all of those harassing phone calls and letters stop. There are many pros and cons to filing for bankruptcy and for those living in New Jersey, the process is not much different than in other states.

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