Skilled Debt Lawyer Protects Your Pension, IRA and 401(k) Accounts When You File for Personal Bankruptcy Protection
When financial troubles begin to emerge in someone’s life, they can present a number of challenges. If you have gotten to the point where you have considered bankruptcy as a debt relief option, it is time to seek legal advice from an experienced attorney. It is in your best interests to learn about your options for debt relief, as well as what to do and what not to do before bankruptcy if you choose to file.
I am attorney Joel R. Spivack, and I represent individuals in consumer bankruptcy matters. I have more than 25 years of experience in bankruptcy and have helped countless individuals find debt relief. When I work with my clients, I make certain that my priorities are aligned with theirs. My goal is to provide the highest level of quality legal services to clients.
Is My Retirement Safe in Bankruptcy?
Whether you file for Chapter 7 bankruptcy, Chapter 11 bankruptcy or Chapter 13 bankruptcy, your retirement accounts are protected from creditors. This includes ERISA qualified accounts, pensions, 401(k) accounts, IRA savings accounts and more.
One of the biggest mistakes I see people make before filing bankruptcy is early withdrawal of retirement accounts. By withdrawing retirement accounts, people frequently think they are saving their assets. Unfortunately, this can result in serious repercussions, including tax penalties. Visit my bankruptcy do’s and don’ts page for more information.
Many people fear that they will lose their entire life’s savings by filing for bankruptcy. Bankruptcy is not meant to be a punishment; it’s supposed to be an opportunity for people to get started on a fresh path. Before making a decision about bankruptcy, it is important to become educated about your options. I am a highly experienced New Jersey bankruptcy lawyer, and my entire practice is dedicated to helping people find debt relief. I take a proactive and interactive approach to working with my clients at all times.
Contact Joel R. Spivack Today about Protecting Your Retirement Accounts during Bankruptcy
To schedule a free, in-person initial consultation, please contact me online or by phone at 856-861-6203 or 866-488-2196. I am here to answer your questions and provide you with the information you need to make a smart decision. My office is located in Cherry Hill, and my regular business hours are 8 a.m. to 5 p.m., Monday through Friday. Free parking is available.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.