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A few days ago, I met a couple from New Jersey looking for financial assistance. As we went over their financial difficulties, they began telling me about this “debt consolidation program” they were...

A Merchant Cash Advance (“MCA”) allows an MCA provider (“buyer") to purchase future credit or debit card sales from the merchant (“seller”). The payback amount depends on the merchant’s sale volume....

Liens can be a complicated problem for many individuals dealing with heavy debt issues. A lien is a claim or legal right against assets, most often property or real estate, which are utilized as...

Americans currently exceed $13 trillion dollars of outstanding household debt. Within that amount, $9 trillion is related to mortgage balances, $1.5 trillion is related to educational loans, and $2...

All consumers should be aware of their credit score by checking their credit report.  Amongst other benefits, periodically checking your score ensures that fraudulent activity is timely recognized...

The Federal Reserve Bank of New York reports that as of the second quarter of 2017, the American household debt load has reached nearly $13 trillion. Approximately 80% of Americans are in debt today.

For new credit card users or those looking to build their credit, the idea of taking out a “free” line of credit can be exciting. But if you aren’t careful, credit cards can be potentially hazardous...

It is very common for residents in New Jersey and elsewhere in the nation to use a credit card. Moreover, it is also common for consumers to have multiple credit cards with a balance on them. While...

It is crucial to fully understand how long a creditor has to collect on a debt. There are a series of laws in place that govern debt collection procedures including for example: the timeframes for...

When residents in New Jersey decide to start a business, it is very common that they will seek a small business loan. While it is obvious that at the start of the small business the owner will deal...