Personal Bankruptcy Attorney
KNOWLEDGEABLE, COMPASSIONATE SOUTH JERSEY BANKRUPTCY LAWYER JOEL R. SPIVACK HELPS CLIENTS GET A FRESH START WITH CHAPTER 7 AND CHAPTER 13 BANKRUPTCY FILINGS
If you are in over your head in debt, laying awake at night trying to figure out how to pay your bills, you aren’t alone. Whether your debt is due to medical bills, unemployment, maxed-out credit cards or something else, it’s time to get some help.
You’ve come to the right place. You need a debt negotiation lawyer who isn’t going to judge you or how you accumulated your debt. Instead, when you choose the right personal bankruptcy lawyer, you’ll have the guidance of someone who knows the laws and how to navigate even the most complicated of financial situations to ease your family’s stress.
Joel R. Spivack, Esq. is a savvy, experienced bankruptcy lawyer who has guided countless South Jersey clients through the process of filing for Chapter 7 or Chapter 13 bankruptcy protection. He will review your case and provide sound legal advice about how you should proceed. In addition to alternatives to bankruptcy such as debt negotiation and debt settlement, Mr. Spivack will explain all of your bankruptcy options.
Skilled Bankruptcy Lawyer Helps Clients in Cherry Hill, Medford, Voorhees and throughout South Jersey
If you opt to file for Chapter 7 or Chapter 13 bankruptcy, Mr. Spivack will make sure you immediately get the benefit of the Automatic Stay. This means all harassing phone calls from creditors will immediately stop!
Chapter 7: If you can no longer keep up with your monthly bills, you may be able to wipe most of your debt out when you file for Chapter 7 bankruptcy protection.
Chapter 13: This form of bankruptcy allows you to reorganize debt obligations under a supervised monthly payment plan agreed to by your creditors. Under Chapter 13, you may be able to save your house and car, avoid wage garnishment and even restructure crippling student loans.
Mr. Spivack will take care of all the necessary paperwork and make sure all bankruptcy documents are filed correctly and on time. He will fight for your assets, especially if you home is either in foreclosure or you are facing the possibility of foreclosure or auto repossession. He will explain the differences and benefits of Chapter 7 and Chapter 13 bankruptcies so you can make the best decision for you family.
If you are considering filing for bankruptcy, you need sound legal advice! Call Joel Spivack today at 856-481-0300 for your free initial consultation.