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Scura Wigfield Heyer & Stevens Blog

How can individuals eliminate debt before marriage?

  • 01
  • July
    2015

Debt can be burdensome for consumers in New Jersey and elsewhere in the nation. Debt can impact an individual's personal life in several ways. Debt can cause stress and a number of other problems. Some individuals have even decided to hold off getting married so that they do not enter the union with a large amount of debt.

How can individuals eliminate debt before marriage? While several debt relief options are available, four tips can help people manage their debt so that it does not negatively affect marriage plans.

Bankruptcy After Supreme Court Decision on Same Sex Marriage

  • 30
  • June
    2015

Ever since New Jersey legalized same sex marriage a frequent question was whether same sex partners were able to file a joint bankruptcy petition.  Until now, the answer was unclear.

Previously, I had filed joint petitions for same sex couples notwithstanding that the marriage was not recognized under federal law (bankruptcy protection is provided by federal law).  I found that although filing a joint petition was technically not allowed, the US Trustee never wanted to file a formal objection and bear the public backlash.  Previoulsy I had to hesitate and warn same sex joint petitioneers of the possible motion to dismiss.  Now that is all behind us.

How can patients reduce the impacts of medical expenses?

  • 26
  • June
    2015

As a previous post on this blog pointed out, medical expenses can lead to serious financial challenges. Some people who face a mountain of medical debt may consider filing for bankruptcy in order to regain financial control. The fear of medical debt and financial problems should not deter people in New Jersey from getting the medical care they need.

How can patients reduce the impact of medical bills? According to medical bill professionals, negotiating medical bills is often the best way for patients to maintain control over medical debt. For example, patients are often able to negotiate bills down $10,000, $20,000 or even more.

Non-financial consequences of credit card debt

  • 24
  • June
    2015

It is very common for residents in New Jersey and elsewhere in the nation to use a credit card. Moreover, it is also common for consumers to have multiple credit cards with a balance on them. While it can be relatively harmless to use credit cards for major purchases, some bad spending habits could lead to very difficult financial challenges.

While the financial issues related to credit card debt are known and obvious, there are other non-financial consequences of credit card debt that many do not consider. According to recent reports, there are five major ways credit card debt could be harmful to consumers in non-financial ways.

Study: Hospitals greatly overcharging patients

  • 19
  • June
    2015

Receiving timely and affordable medical care is important for New Jersey residents; however, obtaining medical care that is affordable is not always the case when a diagnosis, treatment and surgery are required and a patient does not have insurance coverage. Hospital bills can accumulate and add up to a large outstanding debt. For some residents in New Jersey, medical debt can be a huge burden, causing some to consider debt relief options to escape his or her financial challenges.

According to a recent study, it was discovered that some hospitals in the United States have been overcharging patients by more than 1,000 percent. The study found that on average that those with the highest markups charged patients 10 times more than what it costs the hospital to provide treatments in 2012.

Pedestrian accidents and risk of injuries

  • 17
  • June
    2015

The term "pedestrian" often classifies a large group of people such as those traveling by foot, wheelchair and stroller, and pedestrians of all kinds can be seen and encountered throughout the state of New Jersey. While it is common to walk to work, school, stores or for leisure, being a pedestrian also means being vulnerable. In many cases, pedestrians are traveling in areas where vehicle are also present. This means that every time an individual is a pedestrian, he or she is at risk of being struck by a vehicle. This is why pedestrian safety is imperative.

In order to implement means to improve and increase pedestrian safety, it must be understood how big the problem is and who is at the greatest risk. According to the Centers for Disease Control and Prevention, on average, 445 people will be treated in an emergency department for injuries suffered in a traffic-related pedestrian accident. Moreover, about every two hours, a pedestrian dies in a traffic accident.

The potential risks of shopping injuries for New Jersey shoppers

  • 12
  • June
    2015

Whether it is for necessities, a gift or a personal splurge, New Jersey residents often find themselves shopping at stores. While this is a relatively normal and routine task that appears to hold very little risk, shoppers are presented with dangers every time they walk into a store. Shopping injuries could happen suddenly and could leave a customer with serious injuries whether they are shopping at a grocery store, retail store or shopping mall.

As soon as a customer enters the parking lot of a shopping establishment they are subject to various risks. Even in the parking lot alone, many dangers may exist on the premises. Parking lot injuries could result from various factors such as an improperly designed parking lot or cracks and holes and slippery conditions from weather such as snow, ice and rain.

What are common causes of pedestrian accidents?

  • 10
  • June
    2015

Walking by foot instead of driving a car or using public transportation is a great way to get exercise and help the environment. While some residents in New Jersey might opt to walk to most destinations, others might only become pedestrians in parking lots or in residential areas. No matter how often or at what location an individual is a pedestrian, it is often the case that motor vehicles are being driven nearby. This is why it is important to consider pedestrian safety in order to avoid a pedestrian accident and serious injuries.

What are common causes of pedestrian accidents? According to reports by the National Highway Traffic Safety Association, nearly 5,000 pedestrians fatalities occur each year due to vehicle related incidents. In 2012, roughly 76,000 pedestrians were struck by a car or truck and suffered injuries. While many pedestrian accidents occur when individuals attempt to walk across the road or are in a parking lot, not all pedestrian accidents are vehicle-related.

What is considered an insufficient warning?

  • 08
  • June
    2015

Residents in New Jersey do it everyday when they enter a retail store or shop online -- purchase goods for personal use or consumption. While this is often considered a rather common and harmless task, consumers should always be aware of the risks the products they purchase could pose to them. In order to understand the potential dangers a product possesses, warnings or disclaimers are used to alert the consumer. If a manufacturer fails to warn a consumer, the product could be considered dangers even if no defects or design flaws are present

What is considered an insufficient warning? In order to answer that, a proper warning should be understood. This occurs when a manufacturer fulfills two duties when creating a warning label and instructions for a product.

Taking action to stop foreclosure of your home

  • 08
  • June
    2015

While owning a home is considered to be part of the "American dream," it could also lead to major source of financial problems for families and individuals in New Jersey. As it is the case for many homeowners, obtaining a loan through a lender is what made home ownership possible. Although this is common, it is also what leads some into financial crises, causing the fear of foreclosure. Our law firm understands that keeping a home when addressing financial problems is important. Individuals and families have options when it comes to addressing financial problems, helping them to prevent or even stop the foreclosure process.

A problematic mortgage loan could be the culprit for the foreclosure process to be initiated. Our attorneys are knowledgeable about loan features that could lead to financial problems, and have successfully helped past clients navigate their situation. Balloon payments, changing interest rates and interest only payments are common reasons for homeowners not being able to make timely payments.

Scura, Wigfield, Heyer & Stevens, LLP
1599 Hamburg Turnpike, Suite A
Wayne, NJ 07470

Toll Free: 866-930-2075
Fax: 973-696-8571
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The Hoboken Business Center,
50 Harrison Street, Suite 214F,
Hoboken, NJ 07030
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Hackensack, NJ 07601

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Newark, NJ 07102

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Scura, Mealey, Wigfield & Heyer, L.L.P. Attorneys at Law

John Scura of Scura, Wigfield, Heyer & Stevens, LLP, serves clients in New Jersey communities including Wayne, Hoboken, Jersey City, Paterson, Elizabeth, Edison, Camden, Clifton, Passaic, East Orange, Newark, Union City, Bayonne, Irvington, North Bergen, West New York, Bloomfield, Paramus, Fair Lawn, Ridgewood, Saddle Brook, River Edge, Emerson, Englewood, Ramsey, Tenafly, Glen Rock, Teaneck, and Hackensack, and in counties including Bergen County, Essex County, Middlesex County, Hudson County, Union County, Passaic County, and Morris County.

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