Our country is in the middle of one of the worst financial, homeowner and credit crises in its history. While unemployment rises and home foreclosures continue at unprecedented rates, the financial difficulty and stress that the average New Jersey resident is forced to bear is astounding.

Issues such as creditors' telephone calls, collection letters, wage attachments, bank account levies, utility shutoff notices, auto repossessions, evictions and foreclosure actions, are all examples of the kind of harassment that many individuals have to deal with on a daily basis.