If you are being harassed by creditors, there is a way to make the calls stop. Bankruptcy includes an automatic stay that will put an immediate stop to attempts by creditors to collect the debts you owe. They cannot call you and they cannot sue you.
At Goldman & Beslow, LLC, our attorneys have more than 40 years of experience helping consumers put a stop to creditor harassment and get a fresh financial start. We offer a free initial consultation to discuss your financial situation and answer your questions. We offer services in Union City, Hudson County and other New Jersey communities.
Filing Chapter 7 Bankruptcy in Union City
Chapter 7 is the simplest form of bankruptcy protection. As long as you pass what is known as the "means test," you have the opportunity to obtain a 100 percent discharge of unsecured debts such as credit card bills, medical bills and loans.
Much of your personal property can't be taken from you when you file Chapter 7 bankruptcy. However, certain assets such as expensive cars with no liens and second homes with substantial equity can be taken by the court and used to pay your creditors. Our lawyers will review your assets and let you know if you have any assets that are at risk.
Filing Chapter 13 Bankruptcy in Union City
Chapter 13 bankruptcy is a debt reduction and repayment plan. Chapter 13 bankruptcy may be a good option for you if:
- You are not eligible to file Chapter 7 bankruptcy
- You have a second home with substantial equity, expensive cars with no liens or other assets that you want to protect from creditors
- You want to stop a home foreclosure
- Your home is underwater and you want to eliminate a second mortgage
Contact Our Hudson County Creditor Harassment Lawyers
Let us get you back on your feet so you can get on with your life. Call our experienced Union City bankruptcy lawyers today for a free one-half hour consultation at 973-677-9000 or 888-827-5493.
