Category Archives: Debt Management

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6 Tips To Improve A Low Credit Score

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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Can You File Bankruptcy to Clear Court Fines?

Can You File Bankruptcy to Clear Court Fines? Bankruptcy gives a fresh start to individuals underwater with their debts, but not all debts can be discharged through filing a bankruptcy.  Attorney Joel R. Spivack has extensive bankruptcy law experience and can help you understand whether your court fines are dischargeable under the Bankruptcy Code. Can……
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Tax Obligations and Debt Problems May Be Greater for Married Couples

It used to be assumed that getting married would help to alleviate debt concerns because doing so would have a positive effect on a person’s tax bill, among other things. However, that may not actually be the case, especially if both spouses have high annual incomes. Beyond that, getting married can potentially reduce a person’s……
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How Long Can a Creditor Take to Collect a Debt in New Jersey?

Let’s say you bought something on credit but the vendor’s bill never showed up in your mailbox. You thought you hit the jackpot! But then, one day, the company woke up and now you find it’s time to pay the piper. How long can a creditor wait before attempting to collect on debt? “I am……
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