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Life After Bankruptcy in New Jersey

South Jersey Bankruptcy Attorney Helps Clients Discharge Their Debts and Move on with Their Lives

Making the decision to file for bankruptcy is never an easy one. Once you have made that decision, you may expect that the process will go smoothly and that you will soon be able to move on with your life. However, the reality is that even after you have received your discharge and your bankruptcy is complete, there are still a number of key issues that will need to be addressed in the weeks and months ahead. That’s why it is vital for you to consult with a qualified bankruptcy attorney who can help you craft a plan for dealing with bankruptcy and guide you through this critical time in your life.

I am New Jersey and Pennsylvania bankruptcy attorney Joel R. Spivack. I focus my entire practice on consumer bankruptcy matters, including helping clients obtain debt relief through Chapter 7 and Chapter 13 bankruptcy. There is nothing more gratifying in the work that I do than seeing my clients reach this stage and helping them plan for a future free of oppressive debt.

What Happens After My Debts Have Been Discharged?

Filing for bankruptcy can give you a sense of relief as you look to erase your debts and get things back on track. After you have discharged your debts, however, there may still be some lingering issues that need to be resolved before you can truly move on with your life.

Here are some of the issues that my clients frequently have questions about either during the bankruptcy filing process or in the aftermath of completing their bankruptcy:

·      Rebuilding Your Credit: With the majority of your debt being discharged, you will soon be receiving offers for credit cards in the mail. Be selective and don’t overextend yourself.

·      Obtaining Your Credit Report: It is important that you monitor your credit report regularly to see that all discharged debts have been removed.

·      Disputing Items on a Credit Report: If any discharged items have not been removed from your credit report, I can help you dispute the items and work to resolve any errors.

·      Changing Information on a Credit Report: Each credit bureau uses unique processes for changing information on your credit report. If there are any inaccuracies, I can help you take the appropriate steps to correct them.

Free Consultation with Cherry Hill Bankruptcy Lawyer about Discharging Your Debt

Your life will be considerably different after you have filed for bankruptcy. Whether you filed for Chapter 7 or Chapter 13, you are probably going to have certain issues arise following your discharge.

Even if I was not the lawyer who handled your bankruptcy, I am happy to help you as you deal with the aftermath of your bankruptcy. I offer a free, face-to-face consultation at my Cherry Hill, NJ office. I will provide honest answers to your questions and let you know what I can do to make this process go as smoothly as possible. You can reach me by phone or you can also contact me via e-mail.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

More About Bankruptcy

Client Testimonials

"Joel was very thorough in every aspect of preparation, presentation and representation of our very complex bankruptcy case. Joel and his staff
were extremely reponsive to our questions and concerns and made us feel that we were their most important client. Joel gave us every option
to consider and his objectiveness was a check and balance to our emotional perspective of our situation. In court Joel had a tremendous
rapport with the judges and court administrators which gave us great confidence in expecting a favorable outcome..." [read more]

JOHN / BANKRUPTCY

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