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April 2014 Archives

How to manage credit card debt while dealing with unemployment

With the uncertainty that many people are facing in the current economy, many able and willing workers in New Jersey are struggling to find full-time employment. Even when a worker is laid off and left unemployed, the worker still has to continue paying for expenses like food, housing, utilities, credit card bills, student loans and other expenditures.

Increased 'zombie foreclosures' heavy burden on New Jersey

The beginning of 2014 saw a rise in a specific type of foreclosure, according to housing data website RealtyTrac. Distressed homeowners in the process of foreclosure have decided to simply abandon their homes avoiding the traditional foreclosure process altogether. These “zombie foreclosures” actually end up stalling the typical foreclosure process completely and are becoming a burden on the overall housing market in New Jersey.

Income gap linked to disproportionate student loan debt

So what’s a young person to do? Go to college, get a degree, get a better job, but be forever saddled by student loan debt? Or enter the working world without a degree but without student loan debt? Seems like a catch-22. But the decision is actually even more complicated by the fact that women throughout the country, including in New Jersey, generally earn less than men in the workforce, regardless of the extent of their education. So is the debt from student loans worth it? And if it is, what debt relief is available to help female graduates manage their entire debt load?

Supreme Court to decide treatment of inherited IRA in bankruptcy

A case argued before the U.S. Supreme Court recently could drastically change the way retirement funds are handled in bankruptcy court. Currently, certain retirement funds such as IRAs are protected under the U.S. Bankruptcy Code and that same protection is extended to inherited IRAs. However, that could change depending on the court’s decision.

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Toms River Office
609 Main Street
Toms River, NJ 08753

Fax: 732-775-7404
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Neptune Office
2240 State Route 33
Neptune, NJ 07753

Phone: 732-341-1550
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