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Cherry Hill Chapter 13 Lawyer Explains the Benefits of Chapter 13 Over Chapter 7 Personal Bankruptcy Protection

The chapter of bankruptcy filed may depend on which one a person qualifies for. There may be no opportunity for the filer to choose the chapter they prefer. For those who do have the choice, careful examination of the situation may lead to me recommending Chapter 13.

My name is attorney Joel R. Spivack. I have more than 30 years of bankruptcy experience, so I understand the importance of getting to know your unique situation. I customize my advice based on your needs. Your needs may be best served by the strengths of Chapter 13 bankruptcy.

Chapter 13 bankruptcy gives you the opportunity to address a broader range of debt. Some debts not addressed in Chapter 7, such as IRS debt or student loans, can be made part of the Chapter 13 repayment plan. This chapter of bankruptcy also opens doors that are not available in Chapter 7. For example, stripping second mortgages is an option under Chapter 13.

Under Chapter 13, you are not required to give up any of your property. Instead, you will be able to pay off mortgages and car loans that you have fallen behind on and reinstate the agreements. Foreclosure and repossession actions will be stopped in the process. If you have valuable property that is paid off, such as a car, you will not have to turn it over.

Contact the Law Office of Joel R. Spivack to Find Out Why Chapter 13 Bankruptcy May Be Your Best Option

During your meeting with me, I will talk to you about how the strengths of Chapter 13 bankruptcy can benefit you. I will ask you questions and examine your case closely. If I find that another option may make more sense, I will explain why.

Schedule a Free Initial Consultation with an Experienced Camden County, NJ Debt Lawyer

My office is open weekdays from 8 a.m. to 5 p.m. and offers free parking. Contact me today at 856-488-12005 or toll free at 866-488-2193 for a free initial consultation with a Cherry Hill Chapter 13 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.

Our Client Reviews on Google

Results may vary depending on your particular facts and legal circumstances.

Destiny Waller

2022-03-06

Very grateful that we hired Joel for our home purchase! He was extremely professional and made the process smooth sailing. He always responded to our questions same-day and was happy to explain the process to us several times (which we definitely needed.) We weren’t sure we needed an attorney for purchasing a home, but we saved money and stress during the negotiation process, so certainly worth it. Thank you for your help Joel!

Caius Santos

2022-02-14

If you’re considering filing bankruptcy I highly recommend you use Joel Spivack. He is knowledgeable, courteous and professional. He guided me through the process and went through smoothly without any surprises.

Joe Delia

2022-02-02

Joel has had our back on more than one occasion. He's professional and personable. I called him on a Friday after hours and he called right back. Talk about peace of mind. I didn't have to sit on a problem over the weekend. He's helped us sort out some pretty sizable problems for a very reasonable fee. Hiring him was one of the best decisions we ever made.

B Lal khan

2022-01-25

I found Mr Spivack to be an extremely intelligent and compassionate attorney who helped us through a very difficult financial time. He handled our bankruptcy efficiently and made us very comfortable with our choice to file. I also felt that his fees were EXTREMELY reasonable compared to most bankruptcy attorneys. He even offered us follow up advice after the bankruptcy, if I were to need any. I would highly recommend Mr Spivack if searching for an attorney.

B Noshn

2022-01-25

Highly Recommend, Mr Spivak helped me with a very difficult situation that I was in. From the very first meeting with him, he explained everything to me clearly. He was always available to me and always return my calls or texts promptly. He always sent me any information that he received from the courts with an explanation.

Sandra Waite

2022-01-24

Joel Spivack helped us with our recent bankruptcy and I can't say enough great things about him. He was professional, responsive to our many questions and did not make us feel bad about having to file bankruptcy. He knows everything there is to know about the laws surrounding bankruptcy and guided us through the entire process. If you want someone who knows the law and will help you every step of the way, Mr. Spivack is the person to call.

Greg Clementi

2022-01-24

Helped me every step of the way, let me know all my options

Brian Speigel

2021-11-24

Dear sir , i had a good experience with you getting it done right and helping me with the process

joseph hoffman

2021-11-13

Mr. Spivak was experienced, knowledgeable, and understanding in representing us in a closing resulting in a successful transaction. I highly recommend him.

Damiana Padilla

2021-10-16

Joel has been a life saver. He has gone above and beyond our expectations. We made the mistake of not hiring a lawyer during attorney review and once we started having issues we hired Mr. Spivack. After speaking to him we knew he would help us through the rest of the real estate transaction. Joel did not disappoint he went above and beyond and gave us piece of mind. Thank you Joel for your professionalism and proficiency, we look forward to a continuous relationship.

See my ratings and reviews on AVVO and Lawyers.com.

Joel R. Spivack

Protecting your assets.
Rebuilding your financial future.

Contact Us Now For a Consultation

Cherry Hill Chapter 13 Lawyer Explains the Benefits of Chapter 13 Over Chapter 7 Personal Bankruptcy Protection

Contact the Law Office of Joel R. Spivack to Find Out Why Chapter 13 Bankruptcy May Be Your Best Option

Schedule a Free Initial Consultation with an Experienced Camden County, NJ Debt Lawyer

Our Client Reviews on Google

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Joel R. Spivack

Protecting your assets. Rebuilding your financial future.

Contact Us Now For a Consultation

Cherry Hill Chapter 13 Lawyer Explains the Benefits of Chapter 13 Over Chapter 7 Personal Bankruptcy Protection

Contact the Law Office of Joel R. Spivack to Find Out Why Chapter 13 Bankruptcy May Be Your Best Option

Schedule a Free Initial Consultation with an Experienced Camden County, NJ Debt Lawyer

Our Client Reviews on Google

Protecting your assets.
Rebuilding your financial future.