Banks, consumer lenders, and the politicians who enjoy their financial support, often argue that those seeking a fresh start in the Bankruptcy Courts seek to discharge their debt when they encounter the slightest bump in the financial road. They contend that...
A recent case was decided in favor of a New Jersey Debtor by the Third Circuit Court of Appeals where a "Debt Collector" violated the Fair Debt Collection Practices Act ("FDCPA") and New Jersey New Jersey Consumer Fraud Act ("CFA")...
A huge mistake that many of my clients make is that the cash in their 401k plans or IRA accounts in order to pay off debt. Most of these clients have already made this mistake prior to meeting with me. Their intentions...
I'm sure many of you are receiving all kinds of offers from credit card companies offering low interest rates, 0% to 2.99% on balance transfers or new purchases. These seem the perfect opportunity to pay off those higher interest rate...
Fear of the unknown, pride, uncertainty, misinformation, stubbornness, distraction, and cash flow are just some of the reasons that keep people from getting their financial life in order with a bankruptcy filing. The problem is that without it you may...
We've all heard those radio or television advertisements that claim that they can consolidate your credit card debt and settle it so that you only have to pay as little as 5% of what you actually owe. Sounds great doesn't...
The U.S. Senate is considering a credit card reform bill this week which is intended to protect consumers from retroactive rate hikes, which would not be regulated under new rules issued by the Federal Reserve, and other abusive, confusing, and...
Gillman, Bruton, Capone Law Group
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