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December 2017 Archives

Can bankruptcy be your best route out of debt?

If your resolution for the new year is to get out from under your debt, you may have considered and then quickly tossed aside the option of bankruptcy. Many people still view it as an admission of failure. They may be afraid of the potential ramifications on their credit score. However, bankruptcy is often the best way to deal with overwhelming debt and take control of your financial life again.

What bankruptcy cannot touch

A New Jersey bankruptcy can be the light at the end of a long dark tunnel. It often provides hardworking people with a new start when financial issues, often outside of their control, have taken over their daily lives.

Survey: Millennials have a healthy fear of credit card debt

Recently, we discussed the high amount of credit card debt held by Generation Xers and the fact that it's keeping some from saving for retirement, which is growing near for many of them. Their children, popularly referred to as millennials (those 18 to 34 years old), seem to have a healthier respect for the importance of preventing credit card debt from overwhelming them -- and even a fear of it.

Can a short sale help me avoid foreclosure?

If you realize you can no longer afford your home in New Jersey, you may find yourself wondering if a short sale can help. With it, you can sell your home, move into an affordable place and say goodbye to your mortgage payments. It may seem like the perfect solution for you to avoid foreclosure, especially if you owe more on the home than it is worth.

The basics of a will

You are never too young to begin your estate planning. Starting your will can give you peace of mind, knowing that you have made the steps to ensure your loved ones do not suffer financially after your death. It can help you and other New Jersey residents to know how will planning works.

How unpaid student loans may result in losing your job

If you have student loans and you also possess a professional license issued by your state, then listen up. In at least 19 states in this country, you can have either your driver's license or professional one, or both, suspended if you default on your educational 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.