Policy regarding what types of public services undocumented immigrants can access vary from state to state. Recently, a change to New Jersey law was passed that allows for undocumented immigrant students to apply for financial aid as students. Under the new policy, students will be able to receive loans, grants and scholarships regardless of immigration status.
Anyone who files for bankruptcy protection expects that the bothersome creditor calls and letters will stop. After all, that is one of the legal protections guaranteed through the automatic stay that comes with all bankruptcy filings. Indeed, most creditors follow the law and cease any further collection efforts. However, there are some who claim to be ignorant of any bankruptcy filings and continue to press debtors into paying up.
Many people talk about debt management and the possibility of filing for bankruptcy, but what options await after the dust has settled for those who take this step. Many individuals who file for bankruptcy in New Jersey and across the United states worry that filing will result in a forever damaged credit score and an inability to ever take out loans again. While bankruptcy certainly hits a person's credit score hard, recovery and measured future debts like car loans are not as impossible as they may seem.
Constantly dealing with debt can be emotionally draining. Just when you think there is light at the end of the proverbial tunnel of debt, it is only an oncoming train loaded with more expenses that you are not ready to deal with. The continuous creditor phone calls, the warnings in the mail and the threat of further creditor action may make you wonder if bankruptcy is right for you.