What Fresh Start means is that by filing bankruptcy, (liquidating assets to pay your debts or by creating a repayment plan) you can get rid of unwanted debt and start rebuilding your finances on much more stable ground. It’s like starting over — a second chance — a fresh start.

If you are looking to get a Fresh Start with bankruptcy, then complete our 5 Minute Online Consultation. This way, we will already have your basic information and know what to expect when we meet virtually. Even if you can’t be exact, your answers should be as close as possible.

Thank you for contacting us through our online consultation. We look forward to speaking with you about your Fresh Start!

Savings!  You know you should have it, but saving money when you are already on a tight budget is difficult at best.   The standard for an emergency fund is 6 months of savings.  So how the heck do you do it?

Treat Savings Like a Bill

If you have read the rest of this series you have purged your budget of the extra expenses that you didn’t even know you had.  Those are a tough habit to kick.  This will likely take some time.  Some people take weeks, some take months.  Give those changes time to kick in.  In the meantime, treat your savings like an expense.  Something that has to be paid every payday first.  It is now a bill.  If you treat it like a bill you will find yourself a bit more inclined to take saving seriously.

Automatic Transfers to a DIFFERENT bank!

That’s right — automate it to a bank so you have to work to get to it.  I like to use online savings for this.  Ally and Barclays both offer high yield rates, no brick and mortar locations, and no debit cards.  They also offer automated transfers from your checking to your savings.  This means that you will have the money taken out of your account before you even know you have it AND you will have to set up transfers and wait whole days to get at it.

True Emergencies ONLY

Going on a cruise is not an emergency.  You should not be dipping into your emergency fund for this.

I am a big fan of having three accounts in your online savings:

  1. your emergency fund;
  2. our non-monthly expenses fund; and
  3. your fun fund.

You should contribute to these accounts at each pay period.  Want to go on a cruise – grab from the fun fund.  Need to get an oil change on the car – go to the non-monthly fund.  Hospital bill for the emergency room when your kid decided to take a header at the playground and needed stitches – That is an an emergency. You can go to the emergency fund for that.  Got it?

Now if you are drowning in debt, saving is going to be near impossible at best.  Interested in how we can wipe out your debt so you can actually save a few bucks?  Give us a call at 732-302-9600 or fill our our online consultation form and we will call you!


Bruce C. Truesdale, PC
NEW JERSEY BANKRUPTCY ATTORNEYS

 We can help… “It is possible for you to make a “fresh start”.

  • Save your home;
  • Fix your credit;
  • Stop creditor harassment;
  • Stop wage deductions;
  • Re-establish yourself

New Jersey Bankruptcy lawyer, Bruce C. Truesdale’s goal has been to ensure the complete satisfaction of each and every one of his bankruptcy clients in New Jersey. We deliver experienced bankruptcy services at affordable rates.

Admitted to practice in 1989, Bruce C. Truesdale practices primarily in Chapter 7 and Chapter 13 Consumer Bankruptcy Law in New Jersey.

In addition to Bankruptcy, we also offer vast information on facts you should know regarding Credit Bureaus and we are a Designated Debt Relief Agency under Federal Law and provide legal assistance to consumers seeking relief under the Bankruptcy Code.

Got 5 minutes for a Fresh Start?

Then complete our 5 Minute Cnline Consultation. While we offer a free bankruptcy consultation in person, we do request that you complete our 5 minute online consultation to create a file with us first. This way, we will will already have your information and know what to expect before you even walk through the door. Your answers here do not have to be exact, but they should be as close as possible.

A decision to file for bankruptcy protection should be made only after a thorough review of your financial circumstances and an in depth examination of your alternatives. One of the goals of this site is to help you begin to obtain the information necessary to understand the bankruptcy process and what it can do for you, as well as the alternatives to bankruptcy. Please feel free to contact us by email or telephone if you have questions regarding bankruptcy in New Jersey.

“Fantastic lawyer! “~ By: a Chapter 13 client,

I am so glad I found Mr. Truesdale. He impressed me with his kindness, his knowledge, and his promptness in responding to calls and e-mails. He made a difficult time in my life easier and less stressful. I highly recommend him.

CLICK HERE TO SEE MORE TESTIMONIALS!

CONTACT US
FOR A FREE CONSULTATION

732-302-9600

Bruce C. Truesdale
147 Union Avenue, St. 1E

Middlesex, NJ 08846
Tel: 732.302.9600
Fax: 732.302.9066
* Licensed in NJ & PA

Email Bruce C. Truesdale

Serving all of New Jersey