Many credit card companies mislead their customers into believing that bankruptcy is not an option for them. The truth is, bankruptcy is an option for the vast majority of debtors.

At Goldman & Beslow, LLC, our attorneys have more than 40 years of bankruptcy law experience. We offer a free initial consultation to discuss your situation and answer your questions about bankruptcy. We offer services in Irvington, Essex County and other New Jersey communities.

Filing Chapter 7 Bankruptcy in Irvington

Chapter 7 is known as a liquidation bankruptcy. When you file Chapter 7 bankruptcy, most of your debts are discharged. While the court has the power to take certain assets and sell them to pay your creditors, most people who file this form of bankruptcy don't lose anything due to bankruptcy exemptions.

Chapter 7 bankruptcy is not for everyone. If your earnings are too high, you may not qualify. In addition, Chapter 7 bankruptcy would not be appropriate for you if:

• You own valuable assets that are not protected by bankruptcy exemptions. Examples of unprotected assets include vacation homes with substantial equity and expensive cars with no liens.
• You have significant equity in your home.

Filing Chapter 13 Bankruptcy in Irvington

Chapter 13 bankruptcy is an option for people who are not eligible to file Chapter 13 bankruptcy or who own valuable assets that are not protected by bankruptcy exemptions.

Chapter 13 bankruptcy is a debt repayment and reduction plan for consumers. Chapter 13 bankruptcy will allow you to:

• Stop a home foreclosure and pay off arrearages over time
• Eliminate second and third mortgages in certain situations
• Discharge certain taxes and pay others off over time without penalties

Sometimes people file Chapter 13 bankruptcy to prevent the threat of home foreclosure and give them time to find a solution such as loan modification.

Contact Our Essex County Bankruptcy and Mortgage Loan Modification Lawyers

Let us get you back on your feet so you can get on with your life. Call our experienced Irvington bankruptcy lawyers today for a free one-half hour consultation at 973-677-9000 or 888-827-5493.

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• Dear Mark:

  Thank you so much for all you did in handling our case. You always made us feel comfortable and eased our fears and worries. Thank you for helping us get a new start.

  With deep appreciation
  Mary & Jim

• To Goldman & Beslow, LLC and Staff

  The "Fresh Start" is great and I just want to thank you for assisting me in this matter. I was very satisfied with the representation and would use your services again if the need arises, and also recommend you highly to my friends. Again "Thank You".

  Your truly
  Vivian

• Mr. Goldman

  Thank you so much for helping those with financial problems myself especially. Thank god that through you my financial problems were solved.

  Sincerely
  Gary T.

• To Goldman & Beslow, LLC

  On behalf of my wife Audrey and myself, we would like to send our heartfelt thanks and appreciations to you for everything you have done for us. We have regained our lives and sanity!

  Thanks for everything
  Mr. & Mrs. G

• Dear Mr. Goldman,

  Thank you just is not enough for my gratitude for all you did to help me. Thank you! Thank you! Thank you for helping me get my life back.

  Thank you
  Mr. B

• Dear Mr. Goldman,

  Once again my husband Frank and I just want to thank you for all you did for us. You helped to make it possible for us to have a new beginning.

  Ms. V

• Mr. Mark Goldman, Esq.

  Your kindness meant more than you'd ever guess thank you so very much for your thoughtfulness and wonderful services.

  Ms. M.

• Dear Mr. Goldman:

  I greatly thank you for your firm's representation with my chapter 7 case. Your staff was a pleasure to do business with. I will be sure to refer people to your practice. Thank you once more.

  Sincerely,
  Natalie