Chapter 7 Bankruptcy Process

You Can Get a Fresh Financial Start With Chapter 7 Bankruptcy

Bankruptcy is a scary word for many people who are struggling with debt. But it shouldn't be. At the Law Office of Benjamin J. Ginter, I have dedicated my practice to helping people throughout New Jersey see bankruptcy as an opportunity to make life better.

Is Chapter 7 Bankruptcy Right for You?

There are many reasons people come to me considering bankruptcy. Perhaps you have fallen behind on your car or mortgage payments and simply need help getting back on track. Maybe the bank is threatening to foreclose on your home. Perhaps you are becoming frustrated with the constant creditor harassment.

Whatever situation you are in, Chapter 7 bankruptcy may be the solution for you. However, there are a few things to consider in determining whether a Chapter 7 bankruptcy is right for you:

  • You must pass the "means test." In order to file for Chapter 7 bankruptcy, you cannot have a household income that is higher than the median income in New Jersey.
  • You cannot have received a Chapter 7 bankruptcy certificate of discharge in the past eight years.
  • Chapter 7 bankruptcy only discharges unsecured debt such as credit cards and medical bills.

If your income is too high, you have recently received a bankruptcy discharge or if most of your debt is secured, Chapter 13 bankruptcy may better meet your needs.

A Brighter Future Is Ahead

When you need a bankruptcy attorney, call 908-418-4084 or contact me online to schedule a free consultation at my Cranford office. I have been helping people file for bankruptcy relief for more than 10 years. As your lawyer, my goal is not only to help you regain your financial footing, I want to help you make your life better. Bankruptcy can be the start of your road to a brighter future.