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May 2017 Archives

Hospitals are offering interest-free loans to patients

As we've discussed here before, medical debt is one of the leading causes of bankruptcy. Even a medical bill of $2,000 after an insurer has paid its share of your bill can be an unexpected expense that many Americans simply can't handle.

Housing options after bankruptcy

Deciding to file for bankruptcy may have provided you with relief from creditor harassment and the constant stress of incoming bills you are not able to pay. You may be wondering, though, how it will affect your living situation.

How to cut back on summer spending

For many people, spending can get out of control, and the credit card debt can sneak up on you. Even if you don't have a big vacation planned, day trips to the beach, summer blockbuster movies, dining out, weddings (with the obligatory presents), tennis lessons for the kids, and summer wardrobe additions can create big credit card bills. Of course, a summer vacation, even if it's just a road trip up or down the east coast, can easily run into the thousands for hotel and restaurant bills.

Dealing with the emotions from a bankruptcy

Bankruptcy is designed to help a person start over after a financial devastation, but the reality is that many people who file bankruptcy often feel as if it is a moral failure. Emotions can range from embarrassment to depression. Some even resort to suicide rather than face a bankruptcy, but there are ways to cope with the fear and shame. One key thing to remember is that the majority of bankruptcies in the United States are due to a serious illness, a divorce or a loss of a job.

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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.