Category Archives: Consumer Protection

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Know Your Rights: Fair Debt Collection Practices Act

You applied to a loan or a line of credit and, based on your credit score and past payment history, the lender took a chance on you. Since then, your financial world has collapsed. Perhaps you lost your job or got into a car accident and now have mounting medical bills. It doesn’t matter why……
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Senior Citizens Facing Mounting Debt Have Options

For most people, the idea of going to work every day and earning a living to pay for the things their family needs and wants is commonplace. After years of working – and saving – getting to retirement age can mean mounting debt. For senior citizens, who have certainly paid their dues and spent decades……
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Statute of Limitations on Credit Card Debt in NJ

Creditors and collection agencies have a set amount of time to sue people who are behind on their credit card bills. This is called a statute of limitations; in most states, according to the U.S. Federal Trade Commission, the window is between three and 10 years. In New Jersey, the statute of limitations by which……
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Credit Report Mistakes: How Does That Even Happen?

There are seven billion people in the world; that’s a lot of credit reports. Simply, put, mistakes happen in all areas of business. The vast majority of the time, credit report errors are just that: mistakes. That being said, if you are aware of how these mistakes can happen, you can do your best to……
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Governor Christie Warns Pensions May Force NJ into Bankruptcy

Is New Jersey on the path to Detroit’s bankruptcy fate? According to New Jersey Governor Chris Christie, if things don’t change with the state’s pension system, that’s exactly where the Garden State is headed. On July 23, the governor kicked off his “No Pain, No Gain” summer tour to spread the word about the need……
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