New Jersey Personal Debt Lawyer
If your debt has gotten so far out of control that a creditor has filed a lawsuit against you, it is important to take action immediately. In New Jersey, you have 35 days to answer a lawsuit, and failure to answer could result in a judgment against you. The judgment could then lead to a lien on your real estate, as well as wage garnishment, which could make your debt problem even more challenging.
I am attorney Joel R. Spivack. With more than 20 years of experience on my side, I can help you handle creditor lawsuits. I will immediately begin working with you, letting you know the options available and guiding you toward the one that makes the most sense in your case.
Creditors File Lawsuits Quickly
Many people who are being sued by creditors are surprised by how quickly the creditor took action against them. It is not uncommon for auto financing companies and other creditors to file lawsuits after only a couple of missed payments.
Do not let their speed send you into panic mode. Yes, a creditor lawsuit is a serious threat, but there are options available. The most important thing is that you do not ignore the threat.
Honest Counsel for Honest Debt Solutions
Contact the Law Office of Joel R. Spivack
If you are the target of a single lawsuit, I may be able to resolve the matter by simply negotiating with the creditor and trying to reach a settlement that you can afford.
Settlement may not be an option, particularly if you are the target of multiple lawsuits, or if the lawsuit is just one of many problems caused by overwhelming debt. Chapter 7 bankruptcy and Chapter 13 bankruptcy can stop lawsuits in their tracks, while also allowing you to overcome other debt problems, from creditor harassment to threats of foreclosure.
Schedule a Free Initial Consultation
My office is open weekdays from 8 a.m. to 5 p.m. and offers free parking. Contact me today at 856-861-6203 or toll free at 866-488-2196 for a free initial consultation with a Cherry Hill bankruptcy attorney. You can also contact me by e-mail.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.