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Personal Bankruptcy Archives

When should you consider bankruptcy as a small business owner?

When your business is in financial trouble, you have to do everything you can to bring it back around and get it back on its feet again. That's why so many entrepreneurs are willing to take big risks like personal debt to ensure they keep their doors open. Unfortunately, though, there comes a time when taking measures to save a business will not help anymore, which is when closing down the operation becomes necessary. Under those circumstances, it can also be necessary to seek some relief from your debts, especially if you are personally liable for the debts your small business has incurred.

5 misconceptions about bankruptcy

What comes to your mind when you hear the word "bankruptcy"? Perhaps you think that filing means all of your debts will be erased or that you will have to live without your car and house. Misconceptions about bankruptcy are common, so it is worth looking at a top few.

Bankruptcy Isn't About Shame -- It's About Leveling The Playing Field

There is no question that banks and credit card companies want to perpetuate the idea that filing for bankruptcy makes you a loser. Creditors have done all they can over the years to stack the deck against hard-working Americans who often find themselves in debt through no fault of their own. Credit card companies even have many members of Congress believing that people who can't pay back the money they owe are deadbeats. In October of 2005, a new law was passed to make it even harder for Americans to get the second chance they need and deserve.

Fewer bankruptcies aren't necessarily sign of good times

After about a decade of bad news regarding the economy, it is tempting to grab onto pieces of information that might mean there is good news for a change. One bit of information that sounds promising at first listen is that personal bankruptcy filings are down.

Study suggests divorcing parties have debt matters to settle

Deception and divorce often come hand-in-hand. Maybe someone misled their spouse about who they were and revealed their true colors after walking down the aisle. Maybe after years of marriage another sexual partner proved too tempting to pass up. Maybe a spouse lies about being happy for so long that ultimately the opportunity to fix the union passes a couple by.

Dishonest collections practices costs company $1 M and its names

If you were to get a call, letter or text from a something called National Attorney Service, would you think that party has a legitimate legal affiliation? If you are like many other consumers who have been contacted by that group, you might be intimidated and likely to take the correspondence seriously.

Recent spike in New Jersey home foreclosures

As time passes, U.S. homeowners are becoming hopeful that the worst has passed in regards to the economic recession. More specifically, fingers are crossed that fewer people are losing their homes to the foreclosure process. For the most part, that hope is coming true.

New Jersey reality stars charged with bankruptcy fraud

Love them or hate them, Teresa and Joe Giudice of The Real Housewives of New Jersey have become famous faces of the Garden State -- at least to lovers of reality TV. But now the infamous celeb couple is making headlines beyond New Jersey.

Student loan borrowers not looking into all debt repayment plans

By the time someone is in school or finished with school, the pressure is high enough to quick get a job, family and the happy American life one is expected to have after graduation. The stress of paying off student debt can make the building of that desired life a difficult task.

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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.