Attorney Blogs|Monmouth County|Middlesex County NJ

What Questions Can’t I Ask Job Applicants?

Is your business currently in the process of hiring new employees? If you are looking to hire new people, then you should be aware of what types of questions your hiring managers are asking jobseekers. There are certain types of questions that could get you in trouble under the New Jersey Law Against Discrimination, Title VII of the Civil Rights Act of 1964, the Americans with Disabilities Act and other federal laws. Job interview questions cannot address topics that include: Race Religion Nationality Disability (mental or physical) Pregnancy Sexual orientation Age (over 40 years old) Marital or domestic partnership status Your hiring managers should avoid asking questions such as “do you plan on having children?” or “do you have a mental disability?”. Even seemingly harmless questions can run afoul of state and federal laws. For instance, “do you celebrate any religious holidays?” could potentially get your business in trouble. There…
Read More »

Five Common Mistakes You Might Make While Purchasing a Home

Purchasing a home could be one of the most important financial decisions in your life. Your home could be the largest purchase you ever make. For this reason, it is crucial to avoid mistakes that could cost you money in the future. Your home is going to be among your most important financial assets, so it is imperative to avoid mistakes before making a purchase. Some of the most common homebuying mistakes you could make include: Failing to check your creditworthiness beforehand. You need to review your credit history before even considering buying a home. Your credit reports will determine when you qualify for or can receive reasonable interest rates for a mortgage. Fortunately, you can receive your three credit reports once per year from the three credit agencies to help make this determination. Many mortgage lenders use industry-specific FICO scores, which are calculated by using the information contained in…
Read More »

What is a Tax Refund Offset?

Did you know the IRS launched tax season on January 29? Millions of Americans are gearing up to file their taxes, and if everything goes smoothly, receive tax refunds. In 2017, the IRS issued 108,761,000 refunds. However, your tax refund could be offset by the Department of the Treasury or the IRS if you owe government debt. Tax refund offsets can be issued for: Defaulted federal student loans: Your tax refund could be offset if you have defaulted on federal student loans. In this case, the Department of Education would refer your defaulted loans to the Department of the Treasury to initiate a tax refund offset. You are generally considered in default after 270 days of nonpayment. Unpaid child support: You could be subjected to a tax refund offset for unpaid child support. The Office of Child Support Enforcement could refer your unpaid support to the Department of the Treasury….
Read More »