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January 2018 Archives

Foreclosure and repossession: How are they different?

If you're at the point where you can't keep up with your mortgage payments and are looking at the possibility of losing your home, you're going to be exposed to a number of terms you probably hadn't thought much about before -- or even heard. Two key ones are foreclosure and repossession. Many people use these interchangeably, and they both involve a home being taken by a creditor. However, they are two different legal processes.

New Jersey residents' debt often exceeds the national average

Researchers with the Urban Institute have determined that at least 28 percent of all New Jersey residents have bills that are so long overdue that they've been turned over to collections. While this statewide average is at least five percentage points lower than the national one, that's far from the case in at least nine counties in New Jersey. In those, the collections rate of residents either meets or surpasses the national one.

Are you making the most of your credit card payments?

If one of your resolutions for 2018 is to pay down or even pay off your credit card balances, you should know that experts say there's a way to do it that will help you optimize your payments and ultimately lessen the interest you accrue. Of course, interest is a significant amount of many people's credit card balances.

Future of New Jersey homeowner aid programs uncertain

New Jersey remains one of the hardest-hit states when it comes to home foreclosures. Nearly 68,000 properties are currently in foreclosure. In every month since Sept. 2015, our state has ranked first or second in the number of foreclosures filed.

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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.