Consumer Articles

When the Law Permits You to Back Out of a Signed Contract

There is a common misconception that a consumer has three days to change his or her mind and back out of a contract after signing on the dotted line. This is not universally true. There are some...

Your Right to Ask for Proof of a Debt (called “Debt Validation”)

Sometimes, people get calls or letters from debt collectors asking them to pay money. This can happen by mistake—especially if you have a common name. You might not recognize the company asking for...

Bankruptcy – What It Means

Bankruptcy is a legal process that helps people who can’t pay their debts. The rules are the same across the country. It doesn’t matter if you file in New Jersey or Utah—it works the same way. There...

Tax Foreclosures

Tax Foreclosures “…in this world, nothing is certain except death and taxes” – Benjamin Franklin And in New Jersey, if you don’t pay your property taxes, you will lose your home. Property taxes are...

Are You “Judgment Proof?”

While anyone can have a judgment entered against them, when we say that someone is “judgment proof” what we really mean is that the person does not have any income or property that can be taken by...

Responding to a Credit Card Debt Lawsuit

Have you ever had your paycheck garnished, your bank account taken, or a lien placed on your assets because you received a lawsuit document from a creditor and didn't know how to respond or didn't...

Filing a Chapter 7 Bankruptcy

It’s a new year, and you want a fresh start. You have a ton of medical bills, credit card debt, car note, utility bills, and other expenses that you would like to dispose of, but you are not sure...

Bankruptcy

The purpose of bankruptcy is to help people with a lot of debt make a fresh financial start. The most common reasons people file for bankruptcy are family breakup, unpayable medical bills, and job...

When the Law Permits You to Back Out of a Signed Contract

There is a common misconception that a consumer has three days to change his or her mind and back out of a contract after signing on the dotted line. This is not universally true. There are some...