Many people put off filing bankruptcy because they think it is a last resort. Unfortunately, many so-called "solutions" such as debt consolidation or negotiation only delay the inevitable, wasting time and resources in a futile endeavor. By filing bankruptcy now, you can put your debt problems behind you and get a fresh financial start.

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

Filing Chapter 7 Bankruptcy in Jersey City

Chapter 7 bankruptcy is the simplest form of bankruptcy protection. In a Chapter 7 bankruptcy, the trustee has the ability to take certain assets that are not protected and sell them to pay at least some of what you owe your creditors. At the end of the process, most remaining debts are discharged.

Your retirement savings and many personal assets are protected when you file Chapter 7 bankruptcy. However, assets such as vacation homes with substantial equity and expensive collectible cars may be taken by the trustee and sold to pay your creditors. The trustee can only attempt to sell an asset that has value above and beyond the exemptions allowed under the Bankruptcy Code. Most assets people own will not have this much value.

Chapter 7 bankruptcy is not for everyone. You need to pass a "means test" to be eligible for Chapter 7 bankruptcy. Chapter 7 bankruptcy is also not a good option if you have significant equity in your home.

Filing Chapter 13 Bankruptcy in Jersey City

If your earnings are too high to be eligible for Chapter 7 bankruptcy, or if you have assets that you would lose in a Chapter 7 bankruptcy filing, Chapter 13 bankruptcy may be right for you.

Chapter 13 bankruptcy allows you to:

• Stop a home foreclosure and pay off arrearages over time
• Consolidate and reduce credit card and other forms of unsecured debt
• Discharge certain tax debts
• Prevent repossession of your automobile or regain possession of a vehicle that was recently repossessed

Contact Our Hudson County Chapter 7 Lawyers

Let us get you back on your feet so you can get on with your life. Call our experienced Jersey City 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