Client Testimonials

My experience with Joel Spivack and his staff was exceptional. Joel took the time to explain and advise and at all times he and his staff were kind, respectful and professional. I am grateful to have had this issue successfully brought to a close with minimal stress due to their expertise.

Linda K.

1. Did a great job
2. Was very efficient
3. Always promptly responded to my questions

Peter Green

As a single parent and successful professional, I never dreamed that my finances would be severely hit by the perfect storm – corporate restructuring, economic downturn and a crashed housing market. Despite all our best intentions, sometimes we end up in an unsustainable position and need expert help and a workable solution. I was referred to Joel and I never looked back. His knowledge of the law, his careful consideration of my circumstances, and his expertise in the process allowed me to come to a business decision to file for bankruptcy. The time between initial filing and formal meetings gave me sufficient time to adjust to my new circumstances and to build a stronger base for my future. Six months later, I received my fresh start from the court, and now eight months later, I am in the best financial position ever, with hope for a stable future in this aspect of my life. Joel is the best!!

A Chapter 7 Client

I was first introduced to Mr. Spivack several years ago when clients of mine filed for personal bankruptcy. Since then I have also experienced first-hand his work ethic, knowledge, timely response & attention to detail with regards to residential real estate transactions. I highly recommend Mr. Spivack & look forward to working with him again!


Helped me make the right decision for me and guideded me through the entire process with compassion.

Miss J. Green

After much research I chose Joel Spivack and it was the best decision I could have made. Joel was patient, kind, responsive and informative. All my concerns were addressed, my litany of questions answered. I never felt rushed or brushed off and he gave me the confidence everything would work out. I cannot say enough good things about Joel Spivack. It has been said that in life people are either “warnings or examples”. Not only is Joel Spivack an example but it is legal counsel like Joel Spivack that gives the title ESQ the justice it deserves.

Joe J.

Like others I too met Joel at a very challenging and dark time in my life. After much research I chose Joel Spivack and it was the best decision I could have made. Joel was patient, kind, responsive and informative. All my concerns were addressed, my litany of questions answered. I never felt rushed or brushed off and he gave me the confidence everything would work out. I cannot say enough good things about Joel Spivack. It has been said that in life people are either “warnings or examples”. Not only is Joel Spivack an example but It is legal counsel like Joel Spivack that gives the title ESQ the justice it deserves.


During a very stressful period in my life the only comfort I felt was knowing that I had an attorney and his staff so knowledgable to guide me in the right direction I really appreciate the email access and my questions and concerns addressed instantly Thank you for your guidance and professional courtesy

A Chapter 7 Client

During a time of great stress, frustration, and embarrassment, we found Mr. Spivack’s office through research and online reviews. From the first minute we met with Joel, we were relieved. He and his staff are all consummate professionals, and treated us with respect, dignity, and kindness. We walked out of that first meeting with the sense that he would take care of us and give us back control of our lives. He remained flexible as our understanding and our needs changed. His legal knowledge is absolutely superior, and at our meeting of the creditors it was obvious that he is well known and respected for his thoroughness. Where others – including attorneys – seemed to be getting grilled, chastened for incomplete files, and even sent away to obtain more documents, the person who ran the meeting was smiling and affable with us and with Mr. Spivack. Instead of the anxiety and emotional handwringing we feared, because of his meticulous preparation of our file we were out the door again and on our way in less than 5 minutes! He knows what he’s doing, to say the least, and he will treat you with respect. If you are considering bankruptcy, do not go it alone, and do not go anywhere else. Put your trust in this man.

T. O’Reilly

From the moment Joel Spivack took my case, I was in great hands. From day one through the entire process, one which was fairly involved, Joel kept me up to date, on track, and really managed the entire process to its conclusion. These situations are inherently challenger but having Joel Spivack’s representation put me in a position to overcome and move on. I would recommend Joel to anyone and everyone.


After interviewing several Attorneys in the area, I decided to hire Joel Spivack to handle my complex bankruptcy case. From the very beginning, Joel spent a lot of time with me, going over all options and explained everything in clear detail. I honestly felt that Joel took a personal interest in making sure that I was well informed and guided me through the process. Zero mistakes on his part with any of the paperwork or meetings and the whole process was painless. Overall, I would highly recommend Joel Spivack to anyone.


Best with all information and helping you going thru chapter 13


A friend of mine knew that I was struggling financially and she sugggested that I contanct Joel Spivack for a free bankruptcy consultation. It was the best advice I’ve received in a LONG time! Joel was very helpful, knowledgeable and concerned with my financial well-being. He gave me peace-of-mind during a difficult time. I really, really appreciate all of the work he has done on my behalf.


“A New Jersey Hidden Gem!” – Joel treated my wife an I with compassion, sincerity and instilled in us a feeling that things would now be in control and there is indeed a light at the end of the tunnel. As soon as you speak with Joel you realize that he has the unsurpassed legal and professional knowledge to bring you out of financial chaos. My wife and I would reccommend Joel and his staff to anyone in need of serious help.


Mr. Spivack handled our bankruptcy with true expertism, and made the entire process easy to understand. During the free consultation, he made the time to answer all our questions making it feel less stressful to proceed with our bankruptcy. Everything was handled in a timely and knowledgeable manner until its completion.


Joel was thorough in every aspect of preparation, presentation and representation of our very complex bankruptcy case. Joel and his staff were extremely responsive to our questions and concerns and made us feel that we were their most important client.

Joel gave us every option to consider and his objectiveness was a check and balance to our emotional perspective of our situation.
In court Joel had a tremendous rapore with the judges and court administrators which gave us great confidence in expecting a favorable outcome, which he delivered.

Joel was the right choice in handling our complex and potentially disasterous situation and we would recommend him to anyone.


Joel handled my case with the utmost professionalism and determination to protect my interests. There were some complications in my bankruptcy case that worried me, but Joel always reassured me that he had things under control and showed me how true this was through his actions. He also clearly communicated the process from beginning to end and answered any questions that came up quickly and thoroughly. Joel knows the law inside and out. He argued diligently for my rights and got me the chapter 7 discharge we were hoping for. I could not have a better opinion of Joel’s abilities, professionalism and dedication to his clients. He was recommended to me by a friend who had also used him, and I would recommend Joel to anyone I know with similar financial problems.


Joel was great. He helped us though a tough time and made the Bankruptcy procedures smooth and we are now in financial stability because of Joel’s knowledge and hard work. He was very knowledgable about the process and kept us informed throughout the proceedings. He was excellent.

Chapter 13 Client

I must say that the whole process & outcome was much more productive than I ever expected. What I thought was the end of the world actually turned out to be a new beginning for me. I had special circumstances leading up to my bankruptcy and Mr. Spivack handled it perfectly. Professional, knowledgeable, always available when needed. I recommend Mr. Spivack highly to anyone in need of the best of the best! Thanks again for putting me back on track with my financial needs. I doubt anyone could have done a better job! I am extremely happy and satisfyied with his performance.

Chapter 11 Client

Mr. Spivack was very helpful in our legal dealings. He would always available and knowledgeable on the subject. He kept the focus on the law and what was required. Mr. Spivack had my family’s best interest as the first priority. Explained every step the procedure and what would be expected. In our hearing, Mr. Spivack was exceptional when dealing with the person presiding over our case.


Joel was so very patient with me during a hard time in my life of losing my husband and then I got ill, he is a world class lawyer who takes the time to know and understand his clients. Thank you so much


Joel was very professional and compassionate when he handled our case. His explanations of the processes our case was going through were clear and concise. He was always keeping us informed and made himself readily available if we had any questions.

Chapter 13 Client

Joel made us feel very comfortable at a very difficult time. Explained everything very well, and made us feel at ease. He answered any questions we had very easily and quickly. Even though he is done with our case, he still answers any questions that come up for us. I would definitely recommend him.


My wife and I highly recommend Joel for any bankruptcy case! He is highly knowledgeable and very easy to work with. He and his office are very responsive to any and all questions we had. He responds promptly to all inquiries, even after hours and on weekends on most occasions! There was never a feeling like we were bothering him with what might have seemed like silly questions. He always responded personally, never speaking to some secretary or legal aide.
You will not be disappointed with the service Joel and his staff provide!

Michael and Robin

Joel was excellent. He made my husband and I feel at ease. He was very knowledgeable and efficient.

Chapter 7 Client

I would and will highly recommend Joel to anyone looking for a bankruptcy attorney. He made me feel comfortable from start to finish. He’ll go above and beyond, always working toward your best interests.


I hired Mr. Spivack to help me file for Chapter 7–bankruptcy. I found him to be a no nonsense lawyer who immediately started helping me. He is quick to respond and didn’t waste my time. He was extremely professional and knowledgable. No need to call multiple lawyers—Mr. Spivack is the one !! His location is convienient and easy to find. I’m glad I used him —especially when there are many crooked lawyers out there. Thanks again for a job well done !!!!


Mr. Spivack represented me during my bankruptcy. He provided guidance and support at a very dire time in my life. With Mr. Spivack I did not have to worry about anything but providing him with my information. He walked me through the whole thing, put me at ease and treated me with such dignity at a very low point in my life. I would recommend him to anyone.


Outstanding to work with! Kept us informed and worked diligenty for our goal.


I was stressed & confused but Joel made it all ok. His knowledge in his field is shown immediately. I needed to get him the papers he needed, followed all his instructions, and he did a great job. The forms needed were all done, there was never a problem with the court. He is a well known, respected lawyer and I will recommend him to anyone who needs a great lawyer. Thanks again Joel sincerely, R.C.


Upon meeting Mr. Spivack it was clear that he was understanding, knowledgeable, personable and trustworthy. I was fully at ease with my meeting and retained him. Through my difficulties with my health, not only did he get the proper dates rescheduled, he also just called to see how I was. Everything went as planned and he was an awesome attorney and and awesome person!

Chapter 13 Client

Joel gave me great advice regarding my personal situation. He was available when I needed to get in touch with him and had any issues. There were not any surprises, when he told me what to expect things went exactly as he had explained them. I hope I never have to file bankruptcy again and have referred him to friends and family since he worked for me.

Chapter 7 Client

Joel was very thorough and made sure we knew what was going on at all times. I felt very comfortable with him handling our financial matter and that he did his best when working our case.


He was knowlegeable, answered all my concerns.


If you need an attorney, Joel is who you want. At a difficult time for me Joel handled every detail of my bankruptcy all the while making sure I understood what was happening or going happen. Joel knows bankruptcy law, the system, and what needs to get done. I found Joel to be very responsive and helpful. I can’t say enough good things about him. I highly recommend Joel and his services.

Chapter 13 Client