Many creditors mislead consumers into believing that they are not eligible to file bankruptcy under the new laws that went into effect in 2005. In reality, the vast majority of debtors are eligible to file either Chapter 7 or Chapter 13 bankruptcy.

At Goldman & Beslow, LLC, our attorneys have more than 40 years of experience helping debtors get a fresh financial start. We offer a free initial consultation to discuss your situation and answer your questions about bankruptcy. We offer services in Wayne, Passaic County and other New Jersey communities.

Filing Chapter 7 Bankruptcy in Wayne

You are eligible to file Chapter 7 bankruptcy as long as you do not earn more than the median income in New Jersey. The median income changes depending on the size of your household. Even if you earn more than the median income, you may still be eligible if your living expenses are high and you pass what is known as the means test. Our lawyers will review your financial situation and let you know if you are eligible.

Chapter 7 bankruptcy is the simplest and fastest form of bankruptcy protection. However, Chapter 7 bankruptcy would not be appropriate for you if:

• You own valuable assets such as vacation homes, expensive cars and other assets that are not protected
• You have significant equity in your home
• You are facing home foreclosure and you want to keep your home

Filing Chapter 13 Bankruptcy in Wayne

If you are not eligible to file Chapter 7 bankruptcy, Chapter 13 bankruptcy may provide a debt solution. Chapter 13 bankruptcy may also be a good option if you have valuable assets that you would lose in a Chapter 7 bankruptcy filing.

Chapter 13 bankruptcy is a debt reduction and repayment plan for consumers. If you are facing home foreclosure, Chapter 13 bankruptcy will allow you to stop the foreclosure and pay off arrearages over time. Chapter 13 bankruptcy may also allow you to eliminate second and third mortgages in certain situations.

Contact Our Passaic County Bankruptcy and Mortgage Foreclosure Mediation Lawyers

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