Bill's Comments

BANKRUPTCY, KEEPING YOUR DRIVER’S LICENSE AND DISCHARGING NEW JERSEY AUTOMOBILE INSURANCE SURCHARGES

In my last post I explained what New Jersey Automobile Insurance surcharges are. Here’s what the New Jersey Motor Vehicle Commission (http://www.state.nj.us/mvc/Violations/Surcharges.htm) has to say about failure to pay these surcharges:
Not paying surcharges? Drivers failing to pay surcharges are sent a notice indicating when their license will be suspended and another notice confirming suspension for

NEW JERSEY AUTOMOBILE INSURANCE SURCHARGES

There are times in life where nothing seems to go right. One problem after another lurks in the near future. Each one has something to do with just not having enough money to handle everything you need to cope with. You feel like “the goalie on the dart team.” Then you get pulled over by the

CHAPTER 13 DEBT LIMITS TO CHANGE

Chapter 13 debt limits are set by the federal Bankruptcy Code. Congress requires these limits for Chapter 13 Bankruptcy cases to be adjusted (usually upward) every three years based on the Consumer Price Index. The current figures were established in 2013, and the next Chapter 13 debt limit adjustment will occur on April

BEWARE OF PAY DAY LOANS – ESPECIALLY DURING THE HOLIDAYS

Desperate for small amounts of quick cash, many people take out pay day loans. These are relatively small cash advances of $500 to $2,000 borrowed over the internet or by telephone from lenders who are usually outside of New Jersey, and sometimes even outside the United States, and come due on the borrower’s next pay

PROTECTING YOUR RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICES ACT

My last post described your rights under the Fair Debt Collection Practices Act (FDCPA). The general types of debt collection practices that are prohibited by this law include harassment, abuse, misrepresentation and deception. Did you know that a debt collector must send you a written notice stating the amount of the debt, the name of the