Under NJ bankruptcy law, there are two exemption schemes that you can use to keep your personal property. An exemption scheme allows you to keep up to a certain dollar amount of some personal property and the entire amount of other personal property. You can choose the exemption scheme that …

Citibank has been around for nearly thirty years as a marketer of credit cards. The company came in when two credit card companies were already dominating the market and, through their aggressive consumer marketing campaigns, rose to the leader of a trillion dollar industry. So how did they do it? …

Here are two important questions for credit card consumers: How many credit cards do you have? Do you need all of them? Many consumers carry several credit cards with them on a daily basis, but use only a few over any given period of time. For many people, two or …