ELIMINATE YOUR DEBT!
GET RID OF THE PRESSURE!
GET HELP FROM AN EXPERIENCED NEW JERSEY BANKRUPTCY LAWYER!
WE OFFER YOU PEACE OF MIND
In our combined twenty years of practicing law, we have observed first hand how money problems affect people. It is not uncommon for clients who come to our office for the initial consultation to feel panicky and distressed. They often show up with shopping bags full of bills and feel so relieved when they leave them with us. Other clients take the “head in the sand” approach. They cannot bear to open up the envelopes or even answer the phone. They are in true denial, not recognizing that the problem is not going to disappear unless they face it head on.
You may be faced with a similar predicament. You may be a victim of the current economy and have lost your job. You may have gone through a traumatic divorce or illness. It doesn’t take much to be jettisoned into a downward spiral. Especially in this day and age, just because you have financial problems does not mean that you are not a responsible person.
The main reason that we love practicing law is that we love to help people. If you feel overwhelmed and confused, you have come to the right place. We invite you to CALL NOW and schedule a FREE initial consultation with us.
BANKRUPTCY: THE MYTHS/THE REALITIES
Many people have preconceived notions about what it means to file bankruptcy. They think they must give up all their possessions and properties. Many of our clients have told us that if they had known how their lives would have been improved (yes, I said IMPROVED) by filing bankruptcy, they would not have put off this tough decision. Also, many believe that the changes in the laws that happened in 2005 changed the Bankruptcy world, making it almost impossible to obtain relief under the Bankruptcy Code. As experienced New Jersey Bankruptcy Attorneys, we are happy to say that the new laws have not changed the protections that bankruptcy affords most people.
So, why are you putting this off?
PEACE OF MIND – THIS WEEK
WHY WAIT?
Are you tired of having creditors hound you? Calling your house at inconvenient times, embarrassing you in front of your friends and making your family feel edgy and insecure? Once you realize that your life will be back in order soon and you are not going to lose everything, you gain peace of mind. And that means you’re well on your way to being able to give your attention and energy to the things that are really important in your life.
MAKE AN APPOINTMENT WITH US FOR A FREE PERSONAL CONSULTATION!!!!! DISCUSS YOUR PROBLEMS WITH A NEW JERSEY BANKRUPTCY LAWYER BEFORE IT IS TOO LATE.
The most valuable piece of advice that we can give is to address your issues sooner rather than later–when you are in serious financial trouble. If you wait, interest, penalties and attorney’s fees grow and grow. If your house is in foreclosure, you may even be facing A SHERIFF’S SALE!!!
Every one of our clients is important to us. We are proud of our caring attorneys and staff. Our mission is to serve you and to help you out of your problems while maintaining
your dignity.
Since your consultation is FREE and you have a personal meeting with one of our New Jersey Bankruptcy Attorneys, you have no excuses. CALL TODAY!!!! In some other bankruptcy firms, you may never meet the attorney who handles your case.
Remember, if Rothamel Bratton represents you, you will always meet with an attorney who will be the person formulating your plan. We stand by the expertise that we have developed to help you and your family. Most of our clients come to us through referral from other attorneys or accountants or financial planners. Our professional colleagues rely on us, and so can you.
What you don’t know about bankruptcy may hurt you. Let’s work together so that you can reclaim your life. The following is a description of how the process works.
There are two major types of consumer bankruptcy – Chapter 7 and Chapter 13. We will work with you to decide which best fits your needs. A chapter 7 bankruptcy is a liquidation proceeding that is sometimes referred to as a straight bankruptcy. The debtor will receive a discharge of all debts that are allowed to be discharged under the Bankruptcy Code. This usually happens within about four months. All non-exempt property is turned over to the Chapter 7 bankruptcy trustee who has the responsibility of converting the assets into cash and distributing the proceeds to the creditors. We find that in most cases, our clients do not own any nonexempt assets and therefore have nothing to turn over to the trustee. So, they are entitled to a “fresh start”, their debts are wiped out and they do not lose any assets. By contrast, a Chapter 13 bankruptcy is normally filed by individuals who own property that is not exempt that they wish to keep. Under a Chapter 13 bankruptcy, the debtor has a three to five year period to pay off their debts (or a percentage of them). To qualify for Chapter 13 (which is also called a reorganization), you must have steady income that is sufficient to satisfy your reasonable living expenses and to pay off a portion of debts over time.
