New Jersey Debt Relief Lawyers

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What Control Do You Have Over Payment Of Debts?
If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe.
Which Debts are Most Likely to be Settled for Less Than Payment-In-Full?
Most unsecured debts can be settled. An unsecured debt is a debt where there is no collateral. Unsecured debts include medical bills, credit cards, department store cards, personal loans, … more
What Is The Fair Debt Collection Practices Act?
The Fair Debt Collection Practices Act requires that debt collectors treat you fairly by prohibiting certain methods of debt collection.

When Can Property be Repossessed?
Most Americans have debt of some kind such as a home mortgage, car loan, credit card debt or other type of debt. All of our creditors have the legal right to be repaid for loaning us money. However, the way in which they can enforce their right to collect money from us differs according to the type of debt that needs to be repaid. Some creditors may be able to repossess certain … more
What are Credit Counseling Agencies?
Credit counseling agencies may be able to help you if you are having trouble paying your debts. Credit counseling agencies also can be an alternative to filing bankruptcy proceedings, or, in some cases, are a required step to filing bankruptcy proceedings. These are generally non-profit organizations whose goal is to provide you with the tools necessary to managing and paying off … more

Debt Collection FAQs: A Guide for Consumers (FTC Facts for Consumers)
The Federal Trade Commission (FTC), enforces the Fair Debt Collection Practices Act (FDCPA), … more
Canceled Debts, Foreclosures, Repossessions, and Abandonments (IRS Publication 4681)
This publication explains the federal tax treatment of canceled debts, foreclosures, … more
How To Avoid Foreclosure
This guide, by the U.S. Department of Housing and Urban Development, provides valuable … more