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July 2015 Archives

Study compares cities with worst credit card debt

A recent study by CreditCards.com looked at the average credit card debt burdens of 25 major metropolitan areas. The study compared each city’s average credit card debt with the area’s median income in order to calculate how long it would take a person there to pay off the balance.

Important considerations before filing for Chapter 7 Bankruptcy

When contemplating bankruptcy, several concerns may arise. The first is usually what happens to my credit and finances once I file for bankruptcy. But one concern may be about the court process itself. If you’ve never been to court, or possibly even more so if you have and had a bad experience, the idea of appearing before a judge can be intimidating.  Years of “Perry Mason moments” on television and in the movies are enough to scare anyone.

Understanding wage garnishment

If you are struggling with debt and have been unable to pay your bills, creditors have ways to recover that money. One way to do so is with wage garnishment. If this occurs, your employer will be court-ordered to withhold a portion of your income until the debt is paid. Understanding how it works is the first step you should take to stop wage garnishment.

What is a “zombie foreclosure?"

When homeowners fall behind on their mortgages and they cannot pay the bills, two options tend to present themselves. One, they can file for bankruptcy and either modify the payment structure or liquidate the home’s equity to avoid foreclosure. Or, they can accept the foreclosure and move on with their lives. Sometimes, however, a foreclosure is not what it seems.

Marriage might add to a New Jersey couple’s financial challenges

Couples who recently tied the knot, or who are about to, could avoid a common cause of marital strife by having a frank and open discussion about the financial challenges that each of them brings to the relationship. One survey concluded that more than 40 percent of people in a relationship did not know the amount of money earned by their partners.

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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.