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Mercer County Legal Blog

How can you handle student loan debt?

College students face difficult decisions regarding paying for school and the books they need to succeed. Loans might be necessary to pay for room, board and tuition. Sometimes, loans are private. Others are federal.

Student loan debt is one of the hardest kinds of debts to eliminate. However, there are some ways to relieve people of those debts. For instance, federal programs often eliminate the remaining debt after 10 years of on-time payments are made, but this isn't true for everyone.

Preparing your vehicle for a New Jersey winter

The winters in New Jersey can be downright brutal. There's snow, sleet, ice, rain, wind, flooding and plenty of other problems. Don't let winter sneak up on you or your family members, especially if you do a lot of driving to and from work or school. Make sure you prepare your vehicle for a New Jersey winter by following the tips outlined in today's post.

The first thing you need to do with your vehicle is to check the antifreeze and coolant levels in it. The antifreeze is used to prevent the engine from freezing when the temperatures dip in New Jersey. Check these levels before the winter arrives and add any coolant that is needed.

Lil' Kim seeks bankruptcy protection in New Jersey

Chapter 13 bankruptcy has many benefits, with the main one being that people who don't qualify for Chapter 7 often qualify for Chapter 13. It allows for higher incomes to continue to be made while paying down debts.

Any Chapter 13 bankruptcy's major benefit is that it doesn't require you to give up any assets. In a recent report, popular singer, Lil' Kim filed for Chapter 13 bankruptcy. She filed for Chapter 13 bankruptcy protection over $4 million in debts she faces.

3 clever ways to reduce debt without bankruptcy

As someone struggling with debt, you've probably already considered ways of reducing what you owe. You might have cut back on your extras, like eating out or having cable TV. You might have looked for a better job or tried other ways to lower your payments.

Everyone struggles from time to time. There are some ways to get out of debt, no matter what your situation is. Here are three clever options.

Lenny Dykstra to face charges in court for drugs, threats

If you've ever faced drug charges, you know how quickly they can change your life. One minute, you could be living well, enjoying your family, friends and freedoms. The next, you could face time behind bars.

Take, for example, this case involving Major League Baseball player Lenny Dykstra. He is facing charges for drugs and for making threats.

People go into bankruptcy for a multitude of reasons

Chapter 7 bankruptcy has the potential to help you in a time of crisis. If you don't see a way out of dire financial straights, then Chapter 7 may be the best solution for you.

One of the reasons people go into bankruptcy is medical debt. Medical debts are usually unsecured debts, which means that they can be dismissed upon request in a court. There are ways to negotiate down bills, but when they could total in the thousands, it's no wonder so many people turn to bankruptcy for assistance.

Top reasons to choose Chapter 13 bankruptcy

In the event that you don't qualify for Chapter 7 bankruptcy, you shouldn't necessarily assume that it's time to move past this idea. Instead, you may come to realize that Chapter 13 bankruptcy is an option for improving your financial standing.

Here are some of the top reasons to choose Chapter 13 bankruptcy:

  • You don't qualify for Chapter 7: It may be frustrating to realize you don't qualify for Chapter 7, but there are many benefits of Chapter 13 bankruptcy. This is typically the top reason for choosing Chapter 13.
  • You're okay with the idea of repaying debt: Some people would rather repay their debt over the course of a three- to five-year payment plan, as it gives them peace of mind in knowing they did the right thing.
  • To save your home from foreclosure: Through a Chapter 13 bankruptcy filing, you may be able to permanently stop the foreclosure process, thus allowing you to remain in your home despite your past troubles.
  • You want to keep your car: Just the same as your home, a Chapter 13 bankruptcy filing can stop the repossession of your car by repaying any missed payments and future debt through your payment plan.

Do you watch for these signs of drowsy driving?

As a driver, you have the goal of never being part of an accident. You know that this can result in serious injury, not to mention severe damage to your vehicle.

With this in mind, you must understand the most common causes of car accidents, including drowsy driving.

Pay off debt with creative solutions

When you're trying to pay off debt, it can be hard to imagine ever getting to a point where it is finally paid off. It is especially difficult if you are struggling from paycheck to paycheck. The good news is that there are plenty of options to pay off debt that you have .

While a bankruptcy or consolidation loan could be the answer for you, the first things that you should consider are alternative ways to make money and quickly pay down what you owe.

Spotting a drunk driver can help keep you safe

Even if you understand that driving under the influence of alcohol is a horrible mistake, it doesn't mean that other drivers take the same stance. Instead, despite the laws in place, they continue to drink and drive.

The ability to spot a drunk driver who's sharing the road with you can help keep you safe. Here are some of the key signs that someone may be under the influence:

  • Driving the wrong way on a one-way street
  • Neglecting to use headlights when driving at night
  • Making an illegal turn
  • Inability to stay in their lane of travel
  • A long pause before pulling away from a traffic signal
  • Striking other objects, such as signs or cars
  • Driving slower or faster than the posted speed limit
  • Rapid acceleration
  • Tailgating other vehicles
  • Driving in the middle of the road instead of choosing a lane
  • Drinking alcohol while driving
  • Driving with their face extremely close to the windshield

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