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Filing for Bankruptcy in New Jersey
Experienced And Caring NJ Bankruptcy Lawyers Will Protect Your Assets
When financial difficulties appear, sometimes the best option is to start over. Filing for bankruptcy can help you get a fresh start. The first step is to gather your financial data, including:
- Debt statements
- Auto loans
- Mortgage statements
- Pay stubs
- Tax returns
- A brief analysis of the value of any real estate
After you’ve gathered this information, it’s time to meet with the knowledgeable, caring attorneys of Brenner Spiller & Archer, LLP. They’ll discuss your financial situation and the goals you want to accomplish.
Do you want to keep your home? Do you want to get rid of overwhelming credit card debt? Have you lost your driver’s license and need to have it reinstated? Once we’ve answered these types of questions, we can begin to discuss your options.
If it turns out bankruptcy is not right for you, our experienced attorneys will help you evaluate non-bankruptcy options, like a loan modification or finding a way to help you to catch up on your mortgage.
Our Caring NJ Bankruptcy Lawyers Will Guide You Through the Bankruptcy Process
Based on your goals and the evaluation of income and assets, we can recommend the form of bankruptcy that will best serve your needs. Our attorneys will prepare a bankruptcy petition and set up a meeting to review and sign the required schedules. It will also be necessary to obtain a certificate of counseling, which is a requirement for all consumer bankruptcy filings. Once the petition for a Chapter 7 bankruptcy or a Chapter 13 bankruptcy has been filed, the automatic stay will take effect. This stops all collection activity and creditor harassment.
The first meeting of creditors will be scheduled, usually within 30 days of the filing. This meeting is typically the only hearing that you will be required to attend. You will provide answers to questions regarding your recent financial history and attest to the accuracy of the schedules that we have filed. After that hearing, depending on the purpose of your filing, there may or may not be a hearing. If there is a bankruptcy hearing, your lawyer will need to attend. We will keep you informed at every stage of the process.
Get Your Free Initial Consultation Today!
At Brenner Spiller & Archer, LLP, we provide friendly, caring and affordable legal services. We serve clients throughout central and south Jersey with offices in Collingswood, Mount Holly, Vineland, and Freehold. If you need a bankruptcy attorney, call 856.963.5000 today to schedule your free consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.