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January 2015 Archives

Will a bankruptcy help me if my home is in foreclosure?

The nationwide economic crisis that began a few years ago left many New Jersey homeowners reeling from a sudden drop in home values. A homeowner who decided to take advantage of rising home values prior to the crisis might have taken out a home equity loan in addition to an already existing first mortgage.

Will a bankruptcy help me if my home is in foreclosure?

The nationwide economic crisis that began a few years ago left many New Jersey homeowners reeling from a sudden drop in home values. A homeowner who decided to take advantage of rising home values prior to the crisis might have taken out a home equity loan in addition to an already existing first mortgage.

Don’t bow down to your credit score

Credit scores can greatly impact your life in both a positive way and also in a negative way. If you do not need to borrow money, then your score may not affect you at all. Even if you are dealing with credit card debt, medical bills, or overdue loan balances, you should not get flustered over a dropping credit score. Do not let your credit score run your life. 

Tax debt can be burdensome, but there may be a solution

Tax debt can be a parasite to your financial well-being, thus you want to deal with it carefully and quickly. Everyday people are faced with circumstances where they are not able to pay their state or federal income taxes. Perhaps a person is self-employed and earned more than originally planned. This happens regularly, and people get in a bind with the IRS. In the end, you can't hide from tax debt.

Filing for bankruptcy does not mean losing all of your assets

Chapter 7 bankruptcy is also referred to as "liquidation bankruptcy." This can be a very scary and intimidating phrase for those who have spent a lifetime acquiring the necessities of life; those essential elements of the American dream, such as a home and a car.

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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.