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September 2017 Archives

Are you a victim of lifestyle inflation?

If we're lucky, from the time we join the workforce until the time we retire, our income increases. With that comes lifestyle inflation. It's only natural at first that people will want to move out of their post-college studio apartment, sell their used car, invest in a better wardrobe and take vacations to Europe instead of a drive to the Jersey Shore.

Options for tackling overwhelming credit card debt

American consumer debt rate has once again returned to pre-2008 levels and many find themselves once again encumbered by record-setting credit card debt. The first step in figuring out how to tackle it involves you sitting down will your bills, making note of your balances, the minimum payments and interest rates for them.

Deed in lieu of foreclosure may have expensive consequences

All too often, mortgage loan work-outs do not work out as planned, and a homeowner makes the tough decision to leave the home. Frequently, this is because the mortgage payments are not affordable and the owner has been unable to sell the home at a price that would pay off the mortgage balance.

How should businesses handle credit card debt?

Credit card debt typically has an association with individual people. However, it can also impact businesses that rely on credit cards to keep operations going smoothly. In 2015, there were nearly 14 million credit card accounts for small businesses in the United States.

An increasing number of those with student loan debt are seniors

If you're in your 30s and feel like you'll be paying off your student loan debt into your senior years, you may be right. Some 27 percent of those paying off their student loans are in their 60s or older. More than two-thirds of borrowers are paying off loans they took out or co-signed on for their children and grandchildren. This age group is the fastest-growing demographic of people with student loans.

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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.