The Cassidy Law Firm Blog

Bankruptcy may have an ominous sound to it for many, but that may be mainly due to the fact that many do not actually understand what bankruptcy is all about. Bankruptcy can provide critical relief to those struggling financially.
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In New Jersey, all drivers are required by law to carry uninsured and underinsured motorist coverage (UM/UIM). The minimum coverage amounts are $15,000 per person per accident, $30,000 per accident, and $5,000 for property damage. While this is the minimum required coverage for UM/UIM, you can always opt for higher coverage limits. This may be a good idea considering 2015 estimates from the Insurance Information Institute reflect that nearly 15% of New Jersey drivers are uninsured. Before purchasing higher UM/UIM limits, however, you may want to learn more about how it actually works.
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Rollover accidents are scary. In a rollover crash, one or more vehicles involved have either tipped over on its side or has rolled over to its roof as a result of a collision.
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Student loan debt has been a pervasive presence in the news in recent years. Students take on crushing amounts of debts to try and get the education they need to fulfill their professional and personal goals. After graduation, the high-interest rates and substantial monthly payments can become a financial burden with no end in sight. It should therefore come as no surprise that many are curious as to whether student loan debt can be erased, or “discharged,” in Read more . . .

One pervasive myth surrounding bankruptcy is that your credit will sustain irreparable damage. While your credit will take a hit due to bankruptcy, it is by no means something that you cannot come back from. By taking certain measured steps, you can rebuild your credit over time. A bankruptcy will stay on your credit report for about 7 to 10 years, but the impacts of bankruptcy will lessen as time passes when you are proactive. Here, we discuss several ways you can rebuild your credit after filing Read more . . .

If you have been injured in an auto accident, it can feel like your to-do list is piling up as you try to recover from your injuries and get back to some semblance of a daily routine. As you check things off your list, the insurance company is working to resolve your case.
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These are difficult economic times for many. With business closures due to COVID-19 and the resulting losses of available jobs, many people are finding it difficult to make ends meet. If you are going through financial struggles and finding it difficult to keep up with things such as minimum payments on your outstanding debt obligations, Chapter 7 bankruptcy may provide you with much-needed relief. At the end of a successful Read more . . .

Did you know that, according to the National Safety Council, more than 40,000 people died in motor vehicle crashes in 2017 alone? It is dangerous out there on the road. With the three biggest causes of roadway fatalities being alcohol, speeding, and driving while distracted, we seem to be more at risk than ever. There are many different types of Read more . . .

There are many misconceptions about bankruptcy and the consequences of filing for bankruptcy. Bankruptcy can provide substantial financial relief to those who are struggling to keep up with minimum debt payments and experiencing financial difficulty. Read more . . .

Being injured in a car accident is often an overwhelming and complicated situation to find yourself in. If this has happened to you, it will be good for you to understand the relevant insurance laws should you wish to seek compensation for your injuries.
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There is a pervasive misconception in society that conflates bankruptcy with an end to financial well-being. It is, in fact, the opposite. For those finding themselves in difficult financial situations, bankruptcy can provide a fresh start. Filing bankruptcy should not be viewed as an ending, but a beginning of a chance to build a solid financial future. Before you file bankruptcy, it is important to evaluate your own situations and your goals.
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