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...
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 someone who has gotten a judgment against them. This is because New...