New Jersey Bankruptcy Attorney

Is Personal Bankruptcy the Road to Your Recovery?

The stress from debt can make life miserable. Creditors may be calling to harass you at all hours. Your home may be in danger of foreclosure. It is normal to feel like life will never return to normal.

But life can get better.

At the New Jersey Law Office of Benjamin J. Ginter, I can help you get relief from debt and the stress that comes with it. With more than 10 years of experience as a bankruptcy attorney, I will guide you on the road to financial recovery and a fresh start.

The Bankruptcy Process

There are two primary kinds of personal bankruptcy: Chapter 7 and Chapter 13. Both types of bankruptcy can help you get a fresh financial start. If your debts have become overwhelming, I will guide you through every step of the bankruptcy process, including:

  • Free initial consultation - I do not charge clients for their first consultation with me. During this meeting, we will talk through your specific situation. I will answer all of your questions and help you understand whether filing for bankruptcy is the right choice for you.
  • Gather financial information - I will help you complete the forms and questionnaire needed for filing. I know that gathering this information can be time-consuming and I will help you understand how each piece of data helps your personal bankruptcy case.
  • Prepare and file bankruptcy petition - Once we have all of the necessary information, we will take care of the legal documents and file them with the bankruptcy court.
  • Automatic stay - After we file for bankruptcy, the "automatic stay" goes into effect. This stops creditor harassment and all collection actions.
  • 341 creditors meeting - During this step of the process, we will attend a meeting with the bankruptcy trustee and any creditors. You will have to answer specific questions from the trustee about your bankruptcy. As your lawyer, I will thoroughly prepare you for the questions you will be asked, and I will be by your side at the meeting.
  • Debt discharge - After completion of the bankruptcy process, most, if not all, of your remaining unsecured debts (such as credit cards and medical bills) will be discharged.
  • Life gets better - You can live without fear of creditor harassment. You can start saving money and rebuilding your credit score.

You do not have to live with the stress and fear that overwhelming debt often brings. If you need a Cranford bankruptcy attorney, call 908-418-4084 or contact me to schedule a free consultation.