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September 2015 Archives

New Jersey foreclosure rates spike — again

New data shows that the national foreclosure rate fell by more than 10 percent from July to August. Still, about one in every 1,200 homes in America is facing foreclosure. Leading those statistics is New Jersey and a few other states. This was mostly due to the increasing number of bank repossessions.

Are my workers' compensation benefits subject to creditor claims?

Major challenges in life, including financial difficulties, often occur in "swarms." For example, you may be among the many Americans who are just holding their own from paycheck to paycheck when you suffer an on-the-job injury that requires you to take time off from work to recover. You file for, and receive New Jersey workers' compensation benefits, but typically the income replacement benefit does not equal what you were making on the job.

Is Chapter 13 bankruptcy right for you?

If you are going through tough times, filing for bankruptcy might be the best option to stop foreclosure, keep your car, your property, pay back taxes and repay debt. Though some in the New Jersey area may not fully understand what it means to file for bankruptcy, filing for Chapter 13 bankruptcy can be a positive move.

Figuring out how to pay off credit card debt

One of the biggest reasons why Americans file for bankruptcy is due to credit card debt. This kind of debt can build up quickly and can be difficult to pay off, as the average balance for credit card debt is around $16,000. Those with credit card debt could consider filing for bankruptcy, but first may be able to create an effective plan in which they are able to pay off their debt.

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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.