http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/New-Jersey/index.html LawInfo - Legal Resource Center offers free New Jersey Collections-Creditors Rights legal forms and free New Jersey Collections-Creditors Rights legal documents that is designed to help consumers and businesses resolve their legal issues http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/New-Jersey/what-is-secured-debt.html A Secured Debt is a loan where the creditor retains a security interest in an item of real or personal property such as a house or an automobile. If you fall behind on payments on this type of debt, the lender has the ability to repossess the property in order to mitigate their damages. It is important to remember that you could remain liable for any deficiency balance owing after the property has been repossessed and sold. Certain exceptions may apply and will depend on the exact nature of the security interest. The laws regarding home mortgages vary from state to state and the lenders rights generally depend on the terms of the mortgage and whether any other lenders have an interest in the Real Property. In these situations it is important to seek competent legal advice to protect your interests. New Jersey Collections-Creditors Rights FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/New-Jersey/when-does-a-secured-debt-become-an-unsecured.html A secured debt may become an unsecured debt in situations where the property securing the loan has already been repossessed and sold by the creditor. If the sale of the property does not cover the contractual obligation, the consumer owes a deficiency balance. This deficiency balance then becomes an unsecured debt. Certain exceptions may apply and will depend on the exact nature of the security interest. New Jersey Collections-Creditors Rights FAQs Mon, 04 Jun 2007 21:51:22 GMT http://resources.lawinfo.com/en/Legal-FAQs/Chex-Systems/New-Jersey/index.html Free Chex Systems FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections/New-Jersey/index.html Free Collections FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT http://resources.lawinfo.com/en/Legal-FAQs/Creditor-Remedies-in-Bankruptcy/New-Jersey/index.html Free Creditor Remedies in Bankruptcy FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT http://resources.lawinfo.com/en/Legal-FAQs/Debt-Collections/New-Jersey/index.html Free Debt Collections FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT http://resources.lawinfo.com/en/Legal-FAQs/Enforcement-of-Judgments/New-Jersey/index.html Free Enforcement of Judgments FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT http://resources.lawinfo.com/en/Legal-FAQs/Fair-Credit-Reporting-Act/New-Jersey/index.html Free Fair Credit Reporting Act FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT http://resources.lawinfo.com/en/Legal-FAQs/Fair-Debt-Collection-Practices-Act/New-Jersey/index.html Free Fair Debt Collection Practices Act FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT http://resources.lawinfo.com/en/Legal-FAQs/Identity-Theft-Fraud/New-Jersey/index.html Free Identity Theft FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT http://resources.lawinfo.com/en/Legal-FAQs/Judicial-Remedies/New-Jersey/index.html Free Judicial Remedies FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT http://resources.lawinfo.com/en/Legal-FAQs/Mortgage-Foreclosure/New-Jersey/index.html Free Mortgage Foreclosure FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT http://resources.lawinfo.com/en/Legal-FAQs/Non-Judicial-Remedies/New-Jersey/index.html Free Non-Judicial Remedies FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT http://resources.lawinfo.com/en/Legal-FAQs/Secured-Transactions/New-Jersey/index.html Free Secured Transactions FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT http://resources.lawinfo.com/en/Legal-FAQs/Types-of-Creditors/New-Jersey/index.html Free Types of Creditors FAQs Collections-Creditors Rights Sub-categories Sun, 29 Nov 2009 17:20:23 GMT