Guiding Families Through Bankruptcy
The law provides families of all sizes and incomes a way to reorganize their debt so that they can stay afloat instead of drowning under the waves of debt.
In a struggling economy, it's easy to suddenly feel trapped under a mountain of debt, and face the prospect of losing everything.
- If you are living in constant dread of collections calls for credit card debt and the trip to the post office, then maybe there is another solution.
- If you have no plan for a backed-up pile of bills, then maybe there is another solution.
- If you are facing foreclosure of your home, repossession of your cars and endless collection calls, then maybe there is another solution.
- If sub-prime lending or mortgage fraud has put your home in jeopardy, and your banks don't seem willing to refinance, then maybe there is another solution.
Choosing bankruptcy isn't easy for anyone, but sometimes it's the best option to get yourself and your family back on a path toward financial responsibility. Whether you are considering reorganizing and renegotiating your debt, or you simply have to wipe the slate clean, we can help you.
Don't wait for more collection calls or another month of being behind on your mortgage. Contact our bankruptcy attorneys, and start replacing endless questions with solutions.
The Options You Need to Move Forward
Bankruptcy is an effective, legal means to obtain debt relief and stop wage garnishment, levies, foreclosures and other collection action. Most consumers choose between Chapter 13 and Chapter 7 bankruptcy protection to begin rebuilding their financial security.
- Chapter 7 bankruptcy, or liquidation, sells off part of your assets to pay off outstanding financial obligations to your debtors. While you may be able to retain some of your crucial assets, such as your home, Chapter 7 bankruptcy has income-related requirements and not everyone qualifies for the wiping the slate clean approach of Chapter 7.
- Chapter 13 bankruptcy, also known as debt reorganization or debt restructuring, enables you to create a repayment plan to be approved by the court that matches your ability to pay. Generally, you will be allowed to keep your property and you will make reduced payments over a fixed period of time. After this time, your remaining debts are discharged and you are no longer required to pay them.
Contact us today to schedule an appointment and one of our experienced bankruptcy lawyers can help you determine whether you can file Chapter 7 or Chapter 13 bankruptcy.
Information - Frequently Asked Questions
- General Order Concerning Mortgage Loan Modifications
- Information - New Jersey Foreclosure Mediation
- Can I file Bankruptcy?
- Foreclosure Prevention Scam Red Flags
- 5 Signs That It May Be Time to File Bankruptcy
- Settling your debts without filing bankruptcy may sound like a good idea, but it might be horrible. Things your debt management plan won't tell you.
- Tips For Consumers With Debt Problems
- Bankruptcy Questionnaire
What you Need
- Your To Do List
- Forms you may receive during your Bankruptcy
- Credit Reporting Agency Contact Information
- Directions to Meeting of Creditors for Chapter 13 Clients
- Often Overlooked Expenses
- Documents to Bring to Your Lawyer
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
