Karina Lucid, owner of Lucid Law, is featured on NJ.com. Karina discusses Financial, legal tools to help New Jerseyans to a brighter financial start in 2021. Many New Jersey residents face financial hardship due to the pandemic and the economic fallout. She says that those with mounting debt should look at budgeting, loan modifications, and possible Chapter 13 bankruptcy as financial and legal tools. Click here to read the entire article.