Cherry Hill Chapter 7 Lawyer Explains the Ins and Outs of the Chapter 7 Bankruptcy Process

The idea of filing Chapter 7 bankruptcy can be intimidating if you do not know what you are getting into. My name is Joel R. Spivack, and I believe in taking the time to educate you about the process so you know exactly what you are getting into. I will also stand by your side through every stage of the process.

After you and I have worked together to determine that Chapter 7 bankruptcy is truly the right option for you, you can provide me with all the information needed to complete your bankruptcy forms. I ask that you provide as much of this information as possible upfront. I offer a checklist to make the information-gathering process easy for you.

The next step is credit counseling and a means test. The credit counseling requirement is fairly straightforward, and the means test is necessary to verify that you qualify for Chapter 7. Once these requirements are fulfilled, I will file the Chapter 7 forms on your behalf.

Joel R. Spivack Esq. Will Represent You at the Creditors Meeting

Approximately 30 days after filing, there will be a creditors meeting. You will be put under oath and you will be asked questions by the trustee who has been assigned to your case and by any creditors who have decided to attend. I will prepare you thoroughly for this meeting. I will also attend the meeting with you, although I am not allowed to speak for you.

If any challenges arise following the creditors meeting, I will address them. If not, you will receive a discharge that releases you from your debt. You will be able to proceed into a future free of creditor harassment and threats of home foreclosure and repossession.

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

My office is open weekdays from 8 a.m. to 5 p.m. and offers free parking. Contact me today at 856-488-1200 for a free initial consultation with a Cherry Hill Chapter 7 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

NJ & PA Consumer Bankruptcy & Real Estate Transacations Attorney

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Cherry Hill Chapter 7 Lawyer Explains the Ins and Outs of the Chapter 7 Bankruptcy Process

Joel R. Spivack Esq. Will Represent You at the Creditors Meeting

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

Our Client Reviews on Google

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