Well, it's now February, and you should have received all of your W-2s and 1099s for last year. It's time to file your federal and New Jersey tax returns. Are you getting a refund? Great! If you don't already have it spent, allow me to make a suggestion that will help you towards a better financial future in the new year.

Use Your Tax Refund to File Bankruptcy!

If last year was a struggle for you financially because of mounting credit card debt, insurmountable medical bills, or a student loan balance you don't think you can ever put a dent in, then maybe you need a fresh start for the new year. Put that refund money to good use by filing bankruptcy and/or restructuring your student loans into an affordable payment plan.

Imagine a new year without debt! How much better would your life be without the constant worries of how you are going to pay everything, and the constant stress of debt collectors harassing you for money?

Even If There are Things You Would Rather Spend It On!

I know, you had better plans for that money. Perhaps a new flat screen TV or an iPad. But bankruptcy, whether through chapter 7 or chapter 13, can lift a huge financial burden off your shoulders. It can give you a more long term quality of life.

Also, if you have federal student loans, getting out of a deferment or forbearance and into an affordable payment plan, or just lifting a wage garnishment and getting out of default, can give you a brighter future.

I Can Help You Get That Brighter Future!

Please, allow me to help. If you live in Burlington, Camden, Gloucester, Salem or Cumberland County, and are struggling with lots of debt, call my office at 856-432-4113 or contact me through this site for a free consultation to discuss your case. Discover whether bankruptcy is the best path for you.

If you are still not quite sure you should do it, then at least download my free book,Top Questions People Ask About Filing Bankruptcy in New Jersey to get more information.

Even With Those Student Loans!

Need student loan relief in the new year? I may be able to help with that as well. Just give me a call to schedule the appointment. 

If you would like more information about student loans, you can download my free book, I Graduated; Now What? A Guide to Dealing with Your Student Loans. Have New Jersey CLASS loans with HESAA? Then check out Paying for Your Classes with a CLASS Loan: A Survival Guide to HESAA.

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