New Jersey Foreclosure and Repossessions Lawyer
If you are facing car repossession or the repossession of other property, or a foreclosure on your home because you are behind on the loan payments, don’t feel like you have no other choice but to let the lender take them. By filing for bankruptcy, you can put an immediate stop to all repossession actions and any other debt collection activity that may be in progress.
Honest Counsel for Honest Debt Solutions | Contact the Law Office of Joel R. Spivack
Under a provision in the Bankruptcy Code called the automatic stay, creditors must stop any type of collection activity, including repossessions, from the time your bankruptcy petition has been filed until you have received your discharge. Bankruptcy allows you to reorganize or wipe out your debt and often puts you in a position where you can keep the property as long as you are able to keep up with the payments going forward.
Skillful Representation From a Gloucester County Bankruptcy Attorney
I am New Jersey foreclosure and repossessions attorney Joel R. Spivack. From my office in Cherry Hill, I provide quality debt relief services to clients across South Jersey and the Philadelphia area. I understand the difficulties that can arise with the loss of essential property like a car or home. You can rely on me to help you find a solution that provides the relief you need and minimizes the chances of the loss of property.
While the filing of your bankruptcy petition will stop repossession actions, you will need to decide at some point whether you want to keep the property. If so, you will be required to sign a reaffirmation agreement that commits you to a new long-term payment agreement with your lender. As your lawyer, I can advise you on the pros and cons associated with reaffirming a debt, and work to ensure that you have all the information you need in order to make the best decision for your situation.
Contact Me for a Free, In-Person Consultation at My Office
Whether you have been notified that your lender intends to initiate a repossession or you know that you are in danger of missing your next payment, I am ready to help. Contact my office today to learn more about your legal options and how I can help you. My regular business hours are 8 a.m. to 5 p.m., Monday through Friday. Free parking is available. Contact me via e-mail or the contact form below.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.