New Jersey Debt Attorney Guides Clients Through the Chapter 7 Bankruptcy Process in Camden and Burlington Counties
While most people have heard of bankruptcy, many people do not know exactly what to expect. There is a lot of incorrect information out there. Before you make any decisions, it is important to have an experienced lawyer set things straight: Chapter 7 bankruptcy is a way to discharge many of your unsecured debts and get a fresh start.
At the Law Office of Joel R. Spivack, I help individuals and families get a fresh financial start through Chapter 7 bankruptcy. If you can no longer keep up with your monthly credit card and loan payments because of a job loss, medical bills or other financial setback, Chapter 7 may be the best way to get your financial future back on track.
Contact a Skilled Bankruptcy Lawyer If You Are Considering Filing for Chapter 7 Protection in Cherry Hill, NJ
Whether you are fighting foreclosure or struggling with medical bills, you do not need false hopes and a sales pitch — you need relief. As a complete liquidation plan, Chapter 7 bankruptcy will allow you to discharge almost all of your unsecured debt. I will educate you about the bankruptcy process, exceptions in a Chapter 7 Bankruptcy, the life cycle of a Chapter 7 bankruptcy, and make sure you understand all the steps we will take so you know what to expect.
At the end of your bankruptcy, the court order will terminate your responsibility to pay dischargeable debts. However, under Chapter 7 bankruptcy, some debts, such as taxes, fines, penalties, alimony, child support, most student loans, and debts incurred by deliberately injuring someone, will not be discharged. Here is what Chapter 7 will do:
- Stop harassing collection actions immediately
- Stop home foreclosure and car repossession
- Stop wage garnishments and tax liens
- Discharge your credit card debt and other unsecured debt
While Chapter 7 bankruptcy is a great way to get a fresh start, it is not your only option. I will help you consider other debt relief options, such as Chapter 13 bankruptcy and other alternatives to bankruptcy, which may allow you to retain more assets. Learn about when Chapter 7 bankruptcy is better than Chapter 13 bankruptcy.
Contact Us Today for a Free Consultation with an Experienced Debt Lawyer in Cherry Hill, NJ
If you are considering Chapter 7 bankruptcy, it is time to find out more about the process and what it can do for you. My office is located near the Cherry Hill Mall and open weekdays from 8:00 a.m. to 5:00 p.m. I am ready to answer all of your questions. Contact me today at 856-488-1200 or toll free at 866-488-2196 for a free initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.