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Debt Relief FAQ

Debt relief comes in many options in New Jersey. You can determine which would be best for you and your financial situation. Luckily, there are laws to counter debt collectors. You can find the best option for you.

New Jersey follows the Fair Debt Collections Practices Act (FDCPA) to keep debt collectors from causing unnecessary practices. These involve deception and unfair practices onto a debtor. These unfair practices would include a debt collector make false statements towards a debtor when trying to collect a debt. It is also harassment by contacting a debtor threatening violence, profanity or calling multiple times that exceeds the limit of calls that can be made. We provide forms that will offer legal action against debt collectors or debt relief. The states offer a maximum interest rate of 6% from a collection agency. They also have an 90% wage protection of weekly earnings that are disposable after income tax.

We provide forms that will offer legal action against debt collectors or debt relief.


What is a Financial Affidavit?

A Financial Affidavit is a legal document that provides information about a person's financial situation. In New Jersey, it is used in various legal proceedings such as divorce cases or child support hearings. It requires an individual to disclose their income, expenses, assets, and liabilities. The purpose of a Financial Affidavit is to help determine financial support obligations or division of marital property. It is important to complete this document accurately and honestly to ensure fair and proper financial decisions are made.


When a Financial Affidavit is Needed

A financial affidavit is a document that is needed when the court wants to understand a person's financial situation. In New Jersey, this document is necessary for several reasons. It helps the court decide on child support, alimony, or division of assets during a divorce or separation case. It is also required when applying for government assistance programs like welfare or housing benefits. The financial affidavit summarizes a person's income, expenses, assets, and debts, helping the court make fair decisions based on their financial circumstances. It is an essential tool in the legal process to ensure everyone involved is treated fairly and that financial matters are resolved correctly.


Consequences of Not Having a Financial Affidavit

Not having a financial affidavit in New Jersey can lead to serious consequences. A financial affidavit is a legal document that provides details about a person's income, expenses, assets, and debts. Without a financial affidavit, it becomes difficult for the court to accurately determine a person's financial situation, which can impact various legal matters like divorce, child support, and alimony decisions. Not providing a financial affidavit may jeopardize one's credibility and may result in unfavorable outcomes. It is important to provide a complete and honest financial affidavit to avoid legal troubles and ensure fair judgments.


How To Write a Financial Affidavit

Writing a financial affidavit in New Jersey may seem daunting, but with a few simple steps you can breeze through the process. First, gather all essential financial documents, such as bank statements, tax returns, and pay stubs. Next, create a clear and concise statement of your income, including sources like wages and investments. Be sure to include any debts or obligations as well. Don't forget to list assets like real estate, vehicles, and savings. It's important to be truthful and accurate in your affidavit, as any false information can have serious consequences. Finally, review and double-check your affidavit before submitting it to ensure everything is in order. By following these steps, you can successfully complete a financial affidavit in New Jersey.


Step 1 – Fill out Affiant Information

Step 1 in New Jersey involves filling out the Affine Information form using simple and understandable language. This means providing necessary personal details and relevant information about oneself as the affine. It is important to complete this step accurately and truthfully, including important identification details like name, address, and contact information. By following this initial step, individuals can ensure their Affine Information form is properly filled out and ready for further processing or legal procedures.