Email this page to a friend
A New Jersey bankruptcy attorney from Legal Helpers can help get your finances back on track
Finding the right New Jersey bankruptcy attorney can really make a difference, no matter how badly you are in debt. An experienced sponsoring New Jersey bankruptcy attorney from Legal Helpers can stop creditor harassment, car repossession and wage garnishments. A New Jersey bankruptcy attorney will make sure your financial needs come first.
Click here for Our Free Legal Evaluation Form
In this bad economic climate, it's easy to fall into debt. One medical emergency and a job loss and all of a sudden you can't pay your credit card bills, your car payments and your mortgage.
Don't panic!
Talk to a bankruptcy attorney from Legal Helpers for a real assessment of your options. An experienced bankruptcy attorney can analyze your finances, weigh your options and offer you outstanding advice that can save your credit, your car and your house.
Legal Helpers is the largest consumer Chapter 7 and Chapter 13 bankruptcy practice in America
Legal Helpers has helped over 40,000 clients discharge over $500,000,000 in debt. With over 60 offices and sponsoring law firms located throughout the country, we are experienced in Chapter 7 and Chapter 13 bankruptcy filings in every state in the United States. Legal Helpers offers a free 24-hour information hot line to answer many of your questions. Additionally, our staff of bankruptcy attorneys answer the phones six days a week, so that once you hire us a lawyer is always available. Even if you are not sure about your situation, you deserve to know what your alternatives are. At Legal Helpers, we put your interests first.
Legal Helpers will quote you an estimate of cost before beginning any work for you, free of charge with no obligations. We offer low flat fees that allow you to pay through a flexible payment plan that suits your budget. You can stop paying your creditors immediately. We will take all of your creditor calls so you do not have to deal with any more harassment. In Chapter 13 cases, most of our fees are paid, interest free, through your Chapter 13 repayment plan.
Legal Helpers will make sure that all of your personal belongings are protected.
The advantages to filing a Chapter 7 or Chapter 13 depend on your financial situation. Generally, you may file and retain all of your personal belongings, including your house, your car and all household goods. You may be more at risk of losing property if you don't file, as creditors can sue you and attach your bank accounts, garnish your wages and attach and seize your property. As a result, you may miss rent, mortgage or car payments, making it difficult to provide even your most basic necessities.
Legal Helpers can also use Chapter 13 to reduce your car payment and consolidate other debts that you cannot afford to pay. In a Chapter 13, Legal Helpers will reduce the total amount you pay the finance company so that you only pay the value of the vehicle plus interest. Any money owed to the finance company above that amount can be paid, in most circumstances, at a percentage on the dollar. Even if the car has already been repossessed, we may be able to force the finance company to return the vehicle and then reduce your car payment. Time is of the essence, however, so act now. We can also consolidate any other outstanding bills so that you can pay those debts at a percentage on the dollar as well.