Tuition for colleges and universities has reached an all-time high, and parents and students have long been struggling to figure out the best way to afford their higher education goals while still remaining afloat in the day to day. Many are unsuccessful in this, and when parents file for bankruptcy after paying student college tuition…
You may think you have a good financial grasp on your money until you start having more expenses and less income. Having less money coming in but more coming out can take its toll on your finances, especially if you start using credit cards to cover the discrepancies. Credit cards have limits and as soon…
This summer’s Supreme Court ruling to legalize same-sex marriage was life-changing for many people, and the ripple effects of the decision have yet to be realized in their entirety. New changes to debt collection law have come into play almost immediately following the ruling, and in reference to the past provisions made by states in…
Tough news again this month as it was revealed by housing market analysis group RealityTrac that New Jersey ranks just third in the county for rates of homes foreclosed upon. Following only Nevada and Maryland, a nearly 300% increase from this time last year. Homeowners facing foreclosure, or at least worried about the future of…
St. Thomas More Award 2015-2016 – Sponsored by Mr. Michael Siddons, Esq. Involvement in the community is an important part of my practice, as such, I am sponsoring a scholarship award for the 2015-2016 school year. $500 tuition assistance scholarship awarded to a Christ the Teacher Student Year 1: Preference given to a student in…
Credit card companies may be very giving when it comes to your credit line, but they can be very quick to remove you from their service if you fail to pay your balance. Though it is unlikely that a company will forgive all of your debt, they will often take one of two options in…
Filing jointly for an income tax return is common among spouses, both assuming that since they are married and collectively own their possessions. There is a lower tax liability for those who file jointly. This filing status also assumes that both spouses are liable for anything that may occur from the tax return. Under the…
Providing a loan to a borrower is commonplace nowadays, especially since they are usually required for large purchases such as a home or vehicle. Lenders are eager to provide loans for those who need it, entrusting not only on their promise to repay the loan, but also on collateral that secures the loan. A secured…
A contract is a binding agreement creating an obligation enforceable by law between two or more parties. It requires an offer, an acceptance, consideration, and mutual assent which those involved intend to be bound by the terms of the contract. A letter of intent containing those essential requirements can become subject to an enforceable contraction.…
Recently, Attorney Siddons was successful in having his client awarded $15,000.00 in statutory damages against a debt collector who violated the Telephone Consumer Protection Act (“TCPA”), 47 U.S.C. § 227 et seq. INTRODUCTION TO THE TELEPHONE CONSUMER PROTECTION ACT The TCPA prohibits “any person within the United States, (or any person outside the United States…
