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April 2013 Archives

Think twice before co-signing for a student loan

Now that spring is here, many high school seniors in New Jersey are busy deciding which college to attend in the fall. After that, most will have to make an even harder decision about how they will pay for their education.

Study finds fewer college students obtaining credit cards

College campuses and popular spring break sites used to be cluttered with credit card companies trying to get as many students as possible to apply for a card. These days, the atmosphere is somewhat different, as the Credit Card Responsibility and Disclosure Act has brought added requirements for those under 21 years of age to be allowed to obtain a credit card. The Act was signed into law in 2009, and requires individuals under 21 to get a co-signer to be able to obtain a credit card - unless the individual has an independent income.

Bankruptcy basics in honor of Financial Literacy Month

There can be a significant amount of confusion and misunderstanding when it comes to handling debt. To clear some of the confusion, we will review some of the bankruptcy basics in honor of April being Financial Literacy Month.

Even the famous can financially struggle in New Jersey

Residents of New Jersey can turn to the relief that bankruptcy can provide from crippling debt after falling victim to a variety of circumstances. Last week we discussed how 60 percent of Americans are pushed into bankruptcy by medical expenses. However, there is a whole spectrum of other reasons that can result in a similar struggle.

What can I do to address medical bills that I cannot pay?

It is never a pleasant or relaxing experience making a trip to the emergency room. Such a visit is usually laden with uncertainty, fear and a need for answers. When doctors are attempting to understand the root of a problem by taking blood, conducting scans and the like, the patient is generally cooperative in pursuit of an answer. Most people don't think to stop the health professional that is administering tests to say, "Hey, wait a minute! How much is this going to cost me?"

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At the law offices of William H. Oliver, Jr. & Associates in Toms River and Lakewood, New Jersey, we represent clients in Toms River, Neptune, Trenton, Middletown, Red Bank, Wall, Lakewood, Lakehurst, Manchester, Asbury Park, Old Bridge, Jamesburg, Barnegat, Forked River, Manahawkin, Ocean Township, Brick, Manasquan, Howell, Freehold, Hazlet, Bradley Beach, Brown Mills, Long Branch, Keansburg, Marlboro, Bayville, Beachwood, Whiting, Sayreville, South River, East Brunswick, Monmouth County, Ocean County, Middlesex County, Burlington County and Mercer County.