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Mercer County Legal Blog

Eliminate your debts to live a debt-free lifestyle

Debt relief can be a major help in your life. Whether you have credit card debt or medical debts, being overwhelmed by what you owe can cause you a lot of stress. Fortunately, there are many ways to tackle debt, from using the snowball or avalanche methods to choosing bankruptcy.

When you're eliminating debt from your life, the best feeling is knowing that you're not going to be locked down by what you owe into the future. Here are a few different ways that you can reduce what you owe.

The first settlement isn't always the best

After any kind of wrongful death, a family may be interested in finding a way to be compensated. Among the common causes of death is a traffic collision, which can quickly take one or more lives. In those cases, it's fair to want to hold those who caused the crash accountable for their actions.

After a traffic collision, it's normally acceptable to file a claim against the other person's insurance company. Your attorney will help you prepare documents and information regarding your loved one's passing as well as any information on the injuries you or others suffered in the collision. For the claim, the insurance agents may suggest a settlement.

College debt, credit cards and bankruptcy: It's an option

Many people who have graduated from college realize that they are in over their heads with debt. For some, not getting a job in their field immediately means relying on support from minimum-wage jobs or those that barely pay the bills.

On top of student loans, many college graduates have credit card debt. After all, it isn't easy to go to school, work, pay the bills and afford everything that goes into an education, even if you have a full ride.

Know your rights if you're hurt due to malpractice

Medical malpractice is a serious concern for patients. When a medical provider makes mistakes, they could put the patient at risk of death or serious complications.

In some cases, mistakes can be corrected, but in others, the damage is done. For example, there have been cases where surgeons have removed the wrong organs or taken the wrong patient to surgery and completed irreversible surgeries on them.

At least 4 suffer injuries when vehicle enters building

Car crashes don't always involve multiple vehicles. Sometimes, a single vehicle goes up onto a sidewalk or hits a building, colliding with the people there.

Take, for example, this case from June 17. At least four people ended up hurt when a vehicle lost control and hit an insurance store in a local strip mall in Lodi. The vehicle left the roadway and went through the glass front of the store, hitting some of the people inside.

Ask for help: There are ways out of debt

Debts can make you feel crazy. Every time you think you're getting them under control, changes in your life can rack them back up. While some amount of debt might be expected, debt that impacts your daily life is too much.

When you're struggling with debt, the best thing you can do for yourself is to find a way to pay that debt off quickly. That might mean taking on a second job for a few months or years, selling items in your home, refinancing loans or consolidating the debts into a single monthly payment. The goal should always be to lower your monthly payments and interest.

Losing a loved one: The other party should be held responsible

The wrongful death of a loved one would surprise anyone, especially in circumstances where the death is instantaneous. Whether it was a car crash, a medical error or workplace accident, losing a loved one is never easy.

After a wrongful death, people don't often think about their legal options first. Instead, they focus on taking care of their families, settling their loved one's estate and managing the funeral. They may be working to rearrange their finances or trying to get into contact with those who can help support them while they get their finances back in order.

When should you start considering bankruptcy?

Chapter 7 bankruptcy is a good solution to debt woes for many people. If you don't have the income to support the debt you have or are out of the job, then this could be the right choice for you.

With Chapter 7 bankruptcy, you will need to meet the requirements set by the state. However, this is relatively easy to do if you have debts that far outweigh your assets and income.

Principal dies after donating marrow: Questions remain

There's not much more selfless than donating part of your body to help save someone else. That's what one high school principal from New Jersey did, but he lost his life as a result.

The principal donated bone marrow to help save a 14-year-old boy in France. He admitted it would be painful in an interview prior to the surgery, but he was happy to do it. Sadly, he died as a result of that operation. He had lapsed into a coma and failed to recover.

Drug busts lead to 25 arrested in New Jersey

Drug busts are often used to capture multiple people at once when drug activity is high in a local area. They were the plan of attack for authorities in New Jersey, with 25 people facing charges as a result.

In news from April 8, 25 people were charged in drug and gun busts in New Jersey. According to the article, there were guns discovered during some busts, while heroin and cocaine were discovered in others. At least one person was charged for endangering a child, while two others are accused of dealing drugs in school zones.

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