Many people who use debt negotiation or counseling services spend years paying service fees and at the end of the process find themselves in worse financial shape than when they started. The only sure way to eliminate debt is to file bankruptcy.
At Goldman & Beslow, LLC, our attorneys have more than 40 years of experience helping debtors get a fresh financial start by filing consumer bankruptcy. We offer a free initial consultation to discuss your situation and answer your questions. We offer services in Hackensack, Bergen County and other New Jersey communities.
Filing Chapter 7 Bankruptcy in Hackensack
If you are suffering from unmanageable credit card debt, medical bills, motor vehicle surcharges, loans or other debts, do not waste time and resources on debt negotiation or counseling services. Chapter 7 bankruptcy can provide a faster, less expensive and more effective solution.
Chapter 7 bankruptcy may be right for you if:
- You do not own significant home equity or other valuable assets that aren't protected by bankruptcy exemptions
- You pass the "means test"
Certain assets are protected by bankruptcy exemptions, including your retirement savings, a car up to a certain value and personal belongings up to a certain value.
Filing Chapter 13 Bankruptcy in Hackensack
If your earnings are too high to qualify for Chapter 7 bankruptcy, or if you have valuable assets that you want to protect, Chapter 13 bankruptcy may be the right solution for you.
Chapter 13 bankruptcy is a debt reduction and repayment plan that protects all of your assets while allowing you the opportunity to receive a discharge of debt and a fresh start.
Contact Our Bergen County Chapter 13 Lawyers
Let us get you back on your feet so you can get on with your life. Call our experienced Hackensack bankruptcy lawyers today for a free one-half hour consultation at 973-677-9000 or 888-827-5493.
