student loan and coronavirus pandemic

Americans will get a six-month reprieve from federal student loan payments. The President signed the CARES Act addressing the coronavirus pandemic on Friday. Under the $2 trillion coronavirus relief bill passed through Congress and signed by the President on Friday, lenders must stop all payments for federally held student loans through Sept. 30. During that…

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How are you doing? On behalf of everyone at the Pikunis Law, we wanted to let you know that we are thinking of you — and we hope you are safe. There are still many unknowns regarding the coronavirus (COVID-19) and that uncertainty can feel overwhelming. Now more than ever, it is important that local…

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When you’re overburdened with excessive debt, it’s not unusual to get relentlessly bombarded with a never-ending barrage of phone calls from money hungry creditors.  There goal and paycheck usually are dependent on them trying to get whatever they can from you.  It is as if your phone has been hijacked, you are stressed out enough…

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Debt has become a way of life for many.  And even though Bankruptcy has become much more common and acceptable than it was just 10 years ago, it still intimidates many Americans who could most benefit from the process.  A telltale signal that bankruptcy may be right for you is when what you owe exceeds…

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holiday-spending

The holidays are once again upon up.  Time for celebrating with friends and family.  Time for parties and holiday gift-giving.  Everyone wants to give that perfect gift to their loved ones or be the perfect host or hostess for that holiday party, however, holidays are one of the stressful times of the year if you…

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debt-relief

New Jersians are always amazed when they learn that the United States Government sponsors a debt consolidation plan designed just for them and it’s much better than anything that’s available from any bank or credit union.  If you reside in South Jersey and feeling overwhelmed by your growing debt and you are currently in a…

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No shame in bankruptcy

You’ve thought about it, over and over.  You’ve probably even picked up the phone and started to dial it, only finding yourself making excuses why you shouldn’t do it.  Embarrassment? Shame?  Just an overall gut-feeling that something seems wrong.  We are, of course, talking about that phone call to the lawyer’s office to discuss your…

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Timing to file bankruptcy

If you have to file for bankruptcy, the sooner you file the better.  The longer you wait, the more it’s going to cost you.  The issues become more complex thus you end up paying your lawyer more.  Your credit score will take a beating too, as you miss making payments to creditors.  Only in a…

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bankruptcy myths

 ” Bankruptcy-Only the Deadbeats file for bankruptcy.” False, nothing is further from the truth.  There are some filers who will blatantly try to defraud their creditors by abusing the bankruptcy system. However, they account for a very small percentage of all filings.  The majority of people file for bankruptcy after a major, life-altering event. These …

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