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 specific instances where the law does give you the right to change your...
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 money, and you might not remember if you owe anything. So what can you...
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 are two main types of bankruptcy for individuals or married couples:...
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 charged by the city or town where you live, and are based on how much...