The Millstone Times August 2020

FAMILY MATTERS

BANKRUPTCY AND A PANDEMIC As we struggle through this pandemic, many of us have gotten a break. Foreclosures have been delayed, evictions have been delayed, lawsuits have been delayed, and credit card companies have offered to let you skip your payment. Unfortunately all that does is buy you time. Interest is still being added and some day whether it is next month or in 2 or 3 months, you will have to pay. So now we get to the question: If you are struggling with paying your bills why you should meet with a bankruptcy law- yer even if you don’t want to file for bankruptcy? As a bank- ruptcy lawyer my job is more than filing bankruptcy petitions. A bankruptcy lawyer can negotiate credit card debt. A bank- ruptcy lawyer can increase your chances of being accepted for a mortgage modification to avoid foreclosure. A bankruptcy lawyer can defend your lawsuits and settle your debts at a re- duced rate or even dismiss them. A bankruptcy lawyer can obtain an installment plan or a compromise on your taxes. A bankruptcy lawyer can help renegotiate your student loans and even sue those lenders who engaged in predatory lending for you. But the important thing to remember is the longer you wait, the less options you have. Unfortunately, coming to a lawyer when you are facing that sheriff sale or a judgment has already been entered against you may leave you with the only option of filing for bankruptcy. Don’t be afraid. Don’t let the stress cause you to bury your head in the sand. We are here to help. Your consultation to discuss your options is always FREE.

Life – like the markets – fluctuates. An Envision ® plan adapts. In your financial journey through life, you can’t always see the destination ahead. To navigate life’s twists and turns along the way, we have an investment process built on both adaptive technology and old-fashioned one-on-ones. Find out how an Envision plan can help you plan for tomorrow, today. Call when you’re ready to talk. ife – like the arkets – fluctuates. n Envision ® plan apts. In your financial journey through life, you can’t always see the destination ahead. To navigate life’s twists and turns along the way, we have an inv stment process built on both ad ptive technology and old-fashioned one-on-ones. Find out how an Envision plan ca help you plan for tomorrow, today. all when you’re ready to talk. Life – like the markets – fluctuates. An Envision ® plan adapts. In your financial journey through life, you can’t always see the destination ahead. To navigate life’s twists and turns along the way, we have an investment process built on both adaptive technology and old-fashioned one-on-ones. Find out how an Envision pl n can help you plan for tomorrow, today. Call when you’re r ady to talk.

Ricardo Rivers, MBA Associate Vice President – Investments Ricardo Rivers, MBA Associate Vi e President – Investments Ricardo Rivers, MBA Associate Vice President – Investments 989 Lenox Drive, Suite 200 Lawrenceville, NJ 08648 Direct: (609) 896-4623 989 Lenox Drive, Suite 200 Lawrenceville, NJ 08648 Direct: (609) 896-4623 ricardo.g.rivers@wellsfargoadvisors.com fa.wellsfargoadvisors.com/ricardo-rivers 989 Lenox Drive, Suite 200 Lawrenceville, NJ 08648 Direct: (609) 896-4623 ricardo.g.rivers@wellsfargoadvisors.com fa.wellsfargoadvisors.com/ricardo-rivers ricardo.g.rivers@wellsfargoadvisors.com fa.wellsfargoadvisors.com/ricardo-rivers

Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. © 2016, 2018 Wells Fargo Clearing Services, LLC. All rights reserved. Investment and Insurance Products: u NOT FDIC Insured u NOBank Guarantee u MAY Lose Value Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. © 2016, 2018 Wells Fargo Clearing Services, LLC. All rights reserved. InvestmentandInsuranceProducts: u NOTFDICInsured u NOBankGuarantee u MAYLoseValue Wells Fargo Advisors is t ade name used by Wells Fargo Clearing Services, LLC, Membe SIPC, a register d broker-dealer and non-bank affiliate of Wells Fargo & Company. © 2016, 2018 Wells Fargo Clearing Services, LLC. All rights reserved. Investment and Insurance Products: u NOT FDIC Insured u NOBank Guarantee u MAY Lose Value

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