Posts by Brad Sadek, Esquire

Will Bankruptcy Keep Me from Retiring?

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Most Americans worry about retirement. We’re all well aware Social Security is unlikely to cover our costs of living.   But it’s harder than ever to put aside money to save for retirement, too. So it makes sense to consider what happens to your retirement assets during a bankruptcy.   See also: 7 Bad Ways…

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Understanding the New Jersey Foreclosure Process

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In New Jersey, foreclosure happens over a series of steps. Understanding these steps helps you understand your options, and how you might mount a foreclosure defense. Keep in mind the earlier you seek and obtain representation during this process, the more likely you are to keep your home. There are a series of decisions you’ll…

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In The News: Relief For Student Loans

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The American Bankruptcy Institute has proposed new rules, and while these rules don’t require Congress to change bankruptcy laws, they may nevertheless provide relief for borrowers. That is because the report includes advice to bankruptcy judges who might want to be more lenient with student loan borrowers, but whom have lacked the precedent and case…

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7 Bad Ways to Handle Out-of-Control Debt Loads

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It really doesn’t take much to make debts spiral out of control. One accident that lands you in the hospital. One layoff at work. One automobile breakdown. And when that happens, a lot of people go into panic mode and start making decisions that don’t serve them. Here are 7 actions to avoid when you’re…

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In the News: Public Servants Having a Hard Time Taking Advantage of Student Loan Forgiveness Programs

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Over 20,000 public servants recently became (theoretically) eligible for the loan forgiveness programs they’d been counting on. Less than 300 were allowed to take advantage of the program. Draconian requirements and a series of headache-inducing hoops disqualified many from the program. Some were led to believe they were making the right payments in the right…

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5 Things to Know About PA Sheriff’s Sales

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Last year, Pennsylvania was one of the states with the highest foreclosure rates in America. And the sad end result of most foreclosure actions is a Sheriff’s Sale, whereupon the property is sold to the highest bidder. If you’re one of the thousands of Pennsylvania residents who fears foreclosure, this is what you need to…

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In the News: More Kids Carrying Credit Cards

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No income, no assets, to young to vote. You wouldn’t think kids would have much access to credit. But many parents are willing to add children to their own accounts as authorized users. And according to a new survey, more of them are doing it. A way to build credit, or to ruin it? Supporters…

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