Are you struggling here in New Jersey with debt collectors calling constantly? Has your bank account been levied or frozen? Are DMV surcharges keeping you from getting your driver's license back?

If so, you are definitely not alone! I get calls and e-mails all the time from folks trying to deal with these problems and wanting to know what to do.

Get Some Answers Live!

Although there is lots of information on this site about how to deal with debt collectors, bank levies or surcharges, I wanted to talk about these issues in this month's live broadcast on my YouTube channel at This is because there is always more you should know.

People needlessly deal with stress from threatening phone calls in which debt collectors lie to them about all the horrible things that will happen if they don't pay. They

  • deal with job loss because they don't have the ability to drive;
  • suffer the embarassment of checks bouncing because of a levied bank account;
  • need information like this in order to know their rights.

If this sounds like you, watch the video.  You may be surprised at what you learn.

If afterwards you need more information about bankruptcy or need to know whether you should file, then download my free books, Top Questions People Ask About Filing Bankruptcy in New Jersey or Am I In Too Deep: A Guide to Knowing When You Need to File Bankruptcy in New Jersey.

I Can Help!

If you live in southern New Jersey and are near my Woodbury, Gloucester County office, then give me a call at 856-432-4113 to schedule a bankruptcy consultation. Even if you just need to hire a lawyer to negotiate with your creditors and work out payment plans (especially if they have levied your bank account), I may be able to help. Just give me a call, and we can sit down and discuss it.

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Steven J. Richardson
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Bankruptcy, Collections, Student Loan, DUI and Traffic Court attorney in Woodbury, NJ.
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