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May 2013 Archives

New Jersey personal bankruptcy can come when a person gets sick

There are many reasons that people in New Jersey find that they should file for bankruptcy. Often, the reasons include the accumulation of significant amounts of personal debt related to a medical crisis. These debts can come quickly after a diagnosis and can lead to a filing for personal bankruptcy protection.

Art gallery owners face personal bankruptcy

An art gallery that is located in another state is at the center of a case that may be of interest to readers in New Jersey. The gallery owners recently file a personal bankruptcy petition after discovering that their business, though culturally important to their community, was unable to bring a profit. This could have occurred in part due to the recent recession that has affected many across the land.

Personal bankruptcy can limit creditor calls in New Jersey

As people in New Jersey know, it can be difficult to make ends meet when financial pressures mount. This has been true for many families in our state over the past few years as the national recession has raged on. These financial difficulties have led to an expansion in the number of pay day loan operations opening in every state in the nation, including ours. Now one report notes that the opening of these types of stores may also have led some to file for a personal bankruptcy.

Filing for personal bankruptcy can lead to debt discharge

Readers in New Jersey now that when debts become overwhelming, a person often seeks solutions. For many, this solution means a filing for a personal bankruptcy. The good news with such an action is that there are many protections offered by a bankruptcy, including limiting creditors' ability to contact an individual.

New Jersey personal bankruptcy offers alternatives

People in New Jersey who are suffering from a high level of debt may not know that there are several different Chapters of the Bankruptcy Code. In fact, there are two that are commonly used when people in our state file for a personal bankruptcy: Chapters 7 and 13. There are differences between the chapters, including what it takes to be able to use them and how they can protect a person's property when they decide to enter into the bankruptcy process.

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