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Law Office of David A. Semanchik

How Do Bankruptcy Exemptions Work?

Struggling with overwhelming debt can be stressful and even frightening. This stress can lead many people to pursue debt relief by filing bankruptcy.

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Law Office of David A. Semanchik

What to Do if You Owe the IRS Money

Taxes are probably something you would rather not think about. As frustrating as it might be to file federal and New Jersey tax returns, it is essential.

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Law Office of David A. Semanchik

It’s Not Too Early to Think About Tax Season

The calendar hasn’t reached the holidays yet but that doesn’t mean it’s too early to think about your taxes. Chances are that you fall into one of two camps: you’re either excited to file your taxes because you’re expecting a refund or it’s just another annual chore.

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Law Office of David A. Semanchik

Why Debt Consolidation Is Not Always the Best Option

If you feel like your debt has gotten out of control, you may be considering all your options to remedy the problem. Debt consolidation is an appealing option to many people because it allows them to take all their debts and combine them into one payment.

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Law Office of David A. Semanchik

Getting out From Under Credit Card Debt

Credit card debt continues to grow in the United States, with balances reaching $900 billion by the end of 2018, according to the Consumer Financial Protection Bureau. The agency’s latest report says 28% of people with credit card debt have been turned over to debt collectors.

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Law Office of David A. Semanchik

Discharging Medical Debt Through Bankruptcy

In the last decade, more and more Americans have struggled to pay for rising health care costs. In fact, health care has become one of the biggest expenses Americans face, with $2.4 trillion spent on medical care in 2017.

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Law Office of David A. Semanchik

IRS Reports Tax Refund Amounts Down from A Year Ago

Did you receive a tax return this year? If so, how did it compare to last year? You’re not alone if you saw a reduced tax refund this year. Millions of Americans felt the same disappointment as you did preparing your tax return this spring.

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