Tag Archive: credit

Avoid using credit cards at the holidays before bankruptcy

Paying for the holidays with credit cards, even at a relatively modest amount, can mean that you will have to pay back those purchases if you file a bankruptcy.

Tip income can’t necessarily be garnished in New Jersey

I have to admit, I picked this case for this post mainly because of its cool name, Big M, Inc. t/a Annie Sez v. Texas Roadhouse Holding, LLC. But it also has something interesting to say about debt collection.
The New Jersey Supreme Court decided Big M on July 16, 2010. The issue in […]

Debt settlement isn’t usually the best option

Why you should educate yourself about bankruptcy as an option before going the debt settlement route.

Credit scores: Not all that and a bag of chips

Without a doubt, one of the most frequent questions I get is about credit scores. The question is always some version of: Will a bankruptcy ruin my credit score forever?
Americans have an unhealthy obsession with bad credit, as though a credit score were an indicator of self worth. This obsession is unnecessary. […]

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