Anyone can suffer a financial setback. The reality is that the economy still isn’t in great shape and the costs of buying a home, renting an apartment, and purchasing a car are higher than ever. If you find yourself in a difficult financial position, you may be wondering, “How can I afford to file for bankruptcy right now?” Here’s another question to consider: “How can you afford not to file for bankruptcy right now?” Do not let a fear of filing for bankruptcy stop you from taking the steps necessary to getting a fresh financial start and moving ahead with your life.
The NJ Bankruptcy Process Is Extremely Complicated
Bankruptcy is a relatively low-cost solution to an extremely expensive problem. If you think that filing for bankruptcy right now will be cost-prohibitive, or if you think that you will be better off trying to go through the bankruptcy process on your own, keep in mind that there are many hidden costs to filing for bankruptcy without an attorney. For instance, a single mistake or omission on your bankruptcy petition could have devastating consequences and ultimately lead to your application being denied. Beyond that, there will be a serious time commitment on your part when attempting to navigate the NJ legal system for the purposes of filing for bankruptcy – which could ultimately cost you both time and money.
A knowledgeable bankruptcy lawyer who understands the nuances of the bankruptcy system in New Jersey will ensure that you file all necessary paperwork before deadlines, as well as helping you pass the state’s “means test” for filing for bankruptcy and making sure that you take advantage of all available exemptions so that you can keep your house, your car, and other assets and possessions. Whether you are filing for Chapter 7, Chapter 11, or Chapter 13, the NJ bankruptcy laws are extremely complicated and often require the assistance of an experienced attorney who specializes in bankruptcy law.
Joel Spivack Answers Your Questions about the Bankruptcy Filing Process in South Jersey and Philadelphia
You typically get what you pay for when hiring a bankruptcy lawyer. Joel R. Spivack is a skilled, knowledgeable bankruptcy attorney who is dedicated to helping New Jersey clients throughout the bankruptcy process. Mr. Spivack will make sure that you acquire your current, up-to-date credit report, take any necessary credit counseling courses, and file all mandatory paperwork so that you can fulfill the requirements of filing for bankruptcy in New Jersey and come out on the other side with the financial relief you need, want, and deserve. Although the bankruptcy process can be arduous, Mr. Spivack has the experience needed to navigate the NJ legal system and get your bankruptcy petition approved.
Joel R. Spivack is an experienced bankruptcy and debt management lawyer who will look over your file and help you explore all of your legal options. Additionally, he makes himself available day or night for his clients, so you will not have to worry about taking time off from work to discuss your case. Contact Mr. Spivack today for a free consultation.