NJ & PA Consumer Bankruptcy & Real Estate Transactions Attorney
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When addressing the financial strategies of my clients, one recurring issue that presents itself is the practice of only making the minimum payments on credit card balances. It is imperative to understand why this approach can be detrimental to one’s financial health. The interest rates associated with credit cards are typically much higher than other……
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So you bought something on credit, but then never saw a bill for it. Perhaps you think: no bill = winner/free stuff! At some point, the company is likely to balance their books and find your debt. But just how long can a creditor wait before attempting to collect on that debt? Am I Off……
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You might be facing a ton of credit card debt, unsure of how you will ever pay it off. You might be considering Chapter 7 bankruptcy. You might also be thinking about dipping into your retirement savings to pay it off. Both options have benefits and drawbacks and it is important for you to be……
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Having a low credit score tags you as a high-risk borrower and can impact so many facets of your life. Just how can it affect you? It is the determining factor in whether or not a lender will actually lend you money, and it raises the interest rate you have to pay if they do…….
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For years, people have been consolidating to personal loans to boost their credit and get away from credit card debt. Now, they might see negative consequences for it. FICO will be updating the way it decides credit scores and the changes will have a big impact on how personal loans are handled. This new system……
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