ARE YOU CONSIDERING BANKRUPTCY IN NEW JERSEY?
If you are considering filing bankruptcy in New Jersey, we understand how stressful the circumstances and decision leading up to filing can be. While bankruptcy laws are federal and therefore you aren’t necessarily limited to finding an attorney in your state, it may help put you at ease knowing you are working with a local legal team. Bankruptcy is a last resort for debt resolution; we will discuss your options as they pertain to your unique situation. Additionally, if pending foreclosure is also looming, we may be able to negotiate a loan modification to avoid losing your home.
FILING BANKRUPTCY: YOU HAVE OPTIONS
You may be feeling hopeless and desperate right now, but remember you still have options, and having experts on your side who will comb through every detail to ensure your case is properly filed can greatly reduce that stress. An experienced New Jersey bankruptcy attorney can help you explore your options and decide which path is right for you. Bankruptcy chapter 7 and 13 are very different, and determining the best option for you will depend on your individual circumstances. For more information on bankruptcy and your options, please see ourbankruptcy page .It’s even possible that you can avoid bankruptcy altogether by negotiating debt settlement with your creditors if your debts are too low for bankruptcy to make sense. We can guide you in this and rebuilding your credit too.
DO YOU NEED A NEW JERSEY BANKRUPTCY ATTORNEY?
You may be wondering if you need a bankruptcy attorney. While it is possible to file bankruptcy in New Jersey on your own without an attorney, having a team on your side who knows the ins and outs of bankruptcy law and proceedings can not only take away the overwhelm that comes with filing, but also can greatly increase your chances of success. Bankruptcy fling can be complicated, and a seemingly small mistake can result in your case being dismissed. However, when you have an experienced legal team on your side, the chance of getting your case approved on the first round is much better.
CAN YOU AFFORD A BANKRUPTCY ATTORNEY?
Can you afford a bankruptcy attorney? Financial strain is an obvious concern if you’re already considering bankruptcy. However, you do have options as to how to pay for your bankruptcy filing. Things like split retention agreements, payment plans and starting as chapter 13 and converting to chapter 7 are all options worth exploring.
The McIlwain Law legal team has a combined experience of more than 100 years practicing law in New Jersey and New York. We have offices in Hoboken, Atlantic City and Manhattan, and have been successfully serving the area for decades.
Send us a message here, or call us at 1 (877) 375-9599 for your free initial bankruptcy consultation.