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March 11, 2022 Carlos Martinez Bankruptcy, Debt Management, Chapter 7

Debt Consolidation is a Scam

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...

October 26, 2020 John J. Scura III Bankruptcy, Debt Management

Are Merchant Cash Advances Legal in New Jersey?

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....

June 10, 2020 Scura Law Firm Chapter 13, Debt Management, Chapter 11, Business Bankruptcy

Stripping of IRS or State of New Jersey Tax Debt in Bankruptcy

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...

October 15, 2018 Scura Law Firm Debt Management

Leading Causes of Debt in New Jersey

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...

February 27, 2018 Christopher J. Balala Bankruptcy, Debt Management, Credit

Understanding your FICO and CreditWise Credit Scores

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...

February 23, 2018 Scura Law Firm Bankruptcy, Debt Management

How Common is Debt in America?

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.

January 31, 2018 Scura Law Firm Bankruptcy, Debt Management

Why Credit Cards Can Be Harmful for Financial Health

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...

November 7, 2017 Scura Law Firm Bankruptcy, Debt Management

Non-Financial Consequences of Credit Card Debt

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...

June 9, 2017 Christopher J. Balala Debt Management

Knowing the Creditors Time to Collect on a Debt

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...

February 15, 2017 Scura Law Firm Bankruptcy, Debt Management

Debt Collection Options for Small Businesses

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...

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