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October 2017 Archives

Should you get a personal loan rather than use your credit card?

Many people are used to placing large or unexpected expenses on their credit card. Of course, if you can't repay the entire balance when the next card payment is due, you could end up having to pay a significant amount of interest.

Is medical debt sending you to the poorhouse?

It's tough dealing with chronic illnesses requiring frequent emergency room visits and/or prolonged hospital stays. But it's even tougher when the hospital and the debt collection agency it employs use heavy-handed tactics to shake sick patients down for money while they are trying to get healthy.

Credit card debt can easily become unmanageable

Many people pull out a credit card to pay for purchases without really thinking about the consequences that can come from that decision. It is possible to use credit responsibly, but it is also possible that something will happen that means you suddenly find yourself in debt too deep for you to come out of. One example of this is when you suddenly find yourself out of work and unable to keep up with payments that were once easy to make.

Debt consolidation can be challenging

There are several avenues available in New Jersey to help those struggling with debt find a light at the end of the tunnel. Debt consolidation is one such avenue that can work for some people. However, it may not be the right thing for all, particularly if the debt is not low. This method can also take several years to fulfill, if successful.

3 common reasons for foreclosures in New Jersey

Foreclosure is one of the worst nightmares a homeowner can face. You have worked hard to establish yourself financially and invest in a home you can call your own. When plans change and you find yourself unable to pay your mortgage, it can be devastating. You are far from alone, though, and there is a range of different circumstances that can lead to foreclosure.

Do you know what fees you're paying on your credit card?

Credit cards can have many advantages if you choose the right ones and use them responsibly. With so many cards to choose from, you can select the ones that give you rewards, cash back or other benefits without annual fees. If you pay your card off in full each month, you can avoid interest charges.

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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.