Proven Chapter 13 Bankruptcy Attorneys in Marlton, New Jersey
Reorganization or Restructuring of Personal Debt | Protection From Creditor Harassment
When you’re struggling to meet your obligations, it can feel like you have no place or time where you can get some peace. You dread going to the mailbox and you get a lump in your throat every time the phone rings, afraid it will be another creditor trying to collect a debt.
The bankruptcy laws offer you immediate relief through a legal mandate called an “automatic stay.” The automatic stay prevents your creditors from calling, writing ortaking any other action (other than through the bankruptcy court) to collect a debt. But, the personal bankruptcy process is far from simple. You can’t simply seek to discharge your debts through Chapter 7—you have to prove your inability to repay your creditors over a three-to-five year period. If you can’t do that, your only recourse is the reorganization of debts in Chapter 13, another very complicated process.
Don’t try to handle your bankruptcy needs on your own. Let the experienced New Jersey bankruptcy lawyers at the Law Office of Andrew B. Finberg help. Call our office at 856-988-9055 or contact us online to schedule a free initial consultation.
Protecting Your Rights in a Chapter 13 Bankruptcy Filing
At the Law Office of Andrew B. Finberg, our lawyers have more than a quarter of a century of combined bankruptcy law experience. When you hire us to provide guidance with a bankruptcy petition, we’ll start by taking a comprehensive look at your current financial situation. We’ll help you determine whether you qualify for liquidation under Chapter 7 and whether that approach will help you accomplish your goals. If Chapter 13 is in your best interests (or is your only option), we will:
- Gather, evaluate and preserve all evidence to support your petition.
- Prepare and file all documentation necessary to successfully complete your bankruptcy filing.
- Be your advocate with the court, with creditors and with the bankruptcy trustee.
In Chapter 13 reorganization, you have the protection of the automatic stay while you seek to negotiate more affordable payment arrangements with your creditors. The automatic stay remains in place as long as you honor your commitments under the reorganization plan and until your bankruptcy is done. We will be your liaison with creditors, seeking to obtain agreements to restructure your debt secure the court’s approval of your reorganization plan. We will also protect your rights if creditors violate the provisions of the automatic stay.
We are a federally designated debt relief agency.
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Experienced New Jersey Chapter 13 Bankruptcy Attorneys
Protecting the rights of individuals and businesses in Cherry Hill, Voorhees, Mount Laurel,
Morristown, Maple Shade and the surrounding communities