When you’re struggling with debt in New Jersey, you need the best New Jersey bankruptcy lawyer you can find. A lot of lawyers can say they’re the best, but we have the awards to back it up. Attorney Patrick J. Best was named a Super Lawyer Rising Start by Philadelphia Magazine. Need we say more?
Bankruptcy in New Jersey
With three offices in or near New Jersey, we are close to you no matter where you live. But before you even come into our office, we have free bankruptcy resources to help you get the bankruptcy process started.
First, Attorney Best hosts the ARM Lawyers YouTube show “Bankruptcy Basics” in which he answers common questions from clients. This is a great starting point for many people. We address many of the bankruptcy myths and misconceptions in these videos.
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Second, Attorney Best offers his book, “The Essential Bankruptcy Survival Guide“, for FREE, just by requesting a copy. As part of the ARM Yourself With Knowledge series, this guide aims to help you navigate the process of filing for bankruptcy and what happens afterward.
If you would like to discuss your personal situation or if we didn’t answer your specific questions in our show, just give us a call and we’d be happy to discuss your case. Our consultations are completely free so you have nothing to lose. If you’d prefer to e-mail us, just click here for a free bankruptcy consultation.
Chapter 7 Bankruptcy in New Jersey
Also known as debt liquidation, Chapter 7 bankruptcy will allow you to get rid of all of your dischargeable debt within a matter of months. This includes credit card debt and medical bills. As one of the top bankruptcy attorneys in New Jersey, we will help you determine whether you qualify for Chapter 7 bankruptcy in New Jersey. New Jersey has a number of state specific issues that arise in Chapter 7 bankruptcy. You need a New Jersey bankruptcy lawyer who knows how to navigate these issues.
Chapter 11 Bankruptcy in New Jersey
Also known as reorganization, Chapter 11 bankruptcy is the most expansive of the chapters. Both businesses and consumers can file a Chapter 11, but Chapter 11 is the only option for a business that needs bankruptcy relief and wishes to continue operations. In a New Jersey Chapter 11 bankruptcy, the United States Trustee’s Office monitors your case to ensure compliance with the rules. Chapter 11 bankruptcy is complex. You need a New Jersey Chapter 11 bankruptcy attorney who knows the procedures of the New Jersey bankruptcy courts.
Chapter 12 Bankruptcy in New Jersey
Chapter 12 bankruptcy is for family farmers and fisherman. It is similar to a Chapter 13 bankruptcy but allows for greater flexibility in payment terms. There are some unique advantages to Chapter 12 for those who qualify. Because Chapter 12 bankruptcy has extra eligibility requirements, it is not as common as the other chapters. There are only a handful of Chapter 12 trustees in New Jersey. You need a New Jersey Chapter 12 bankruptcy attorney who knows the procedures of the New Jersey Chapter 12 trustees and the New Jersey bankruptcy courts.
Chapter 13 Bankruptcy in New Jersey
By working with your creditors to create a payment plan you can actually afford, Chapter 13 bankruptcy will allow you to retain your most important assets, including your home. At the end of your three- to five-year payment plan, your remaining debt will be discharged. There are only a handful of Chapter 13 trustees in New Jersey. As a result, a New Jersey Chapter 13 bankruptcy attorney sees the same trustees over and over. We know their procedures inside and out as well as the procedures of the New Jersey bankruptcy courts.
Moreover, New Jersey has a unique Chapter 13 plan. You need a NJ Chapter 13 lawyer who knows the specific Chapter 13 plan provisions so your Chapter 13 bankruptcy will be successful.
New Jersey Counties Served
Our New Jersey bankruptcy lawyer is happy to serve the following counties in the Newark Division of the New Jersey District Court:
- Bergen County Bankruptcy
- Essex County Bankruptcy
- Hudson County Bankruptcy
- Middlesex County Bankruptcy
- Morris County Bankruptcy
- Passaic County Bankruptcy
- Sussex County Bankruptcy
- Union County Bankruptcy
Our New Jersey bankruptcy lawyer is happy to serve the following counties in the Trenton Division of the New Jersey District Court:
- Hunterdon County Bankruptcy
- Mercer County Bankruptcy
- Hunterdon County Bankruptcy
- Monmouth County Bankruptcy
- Ocean County Bankruptcy
- Somerset County Bankruptcy
- Middlesex County Bankruptcy
- Warren County Bankruptcy
If your county is not listed, call us. While these are the counties we typically serve, we’ve handled cases all over New Jersey upon request.
What about my credit score?
If you are looking to file bankruptcy in NJ, you need the right lawyer. You want a lawyer who will not only file your bankruptcy, but go the extra mile to rebuild your credit score. That’s why we do more than simply help you eliminate your debt. We work with you to rebuild your credit score after bankruptcy! Our clients receive free access to “7 Steps to a 720 Credit Score”. If credit score is a concern, you should strongly consider bankruptcy over other options. Bankruptcy wins almost every time when you consider bankruptcy vs. debt settlement. Many of our clients see their credit score go up after bankruptcy! That’s because we know how bankruptcy affects your credit score.
Contact a New Jersey Bankruptcy Lawyer today
Take back control of your financial future. Providing both immediate relief and long-term solutions, bankruptcy could be the answer you have been looking for. Our attorneys strive to make this process as easy as possible. Contact our law office today to schedule a free bankruptcy consultation! Call 570-257-4509 or reach out to your closest office:
The best part is that we can start the whole process over the phone or by video conference so you don’t even need to come into the office! We make everything as easy as possible for you from start to finish. Call us today. We are a debt relief agency. We help people for relief under the U.S. Bankruptcy Code.
