At Goldman & Beslow, LLC, we understand that every person's financial situation is unique. We believe in individualized attention and tailoring debt relief solutions for each client's personal financial issues.

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. We offer services in Essex County and other New Jersey communities.

Filing Chapter 7 Bankruptcy in West Orange

Chapter 7 bankruptcy is a viable option for consumers who have mounting credit card debts or other bills such as payday loans but may not have many assets.

Chapter 7 bankruptcy may be right for you if:

• You have unmanageable amount of debt
• Your debts are unsecured by property such as your home
• You do not have significant mortgage arrearages

To file Chapter 7 bankruptcy, you must pass a "means test." Our lawyers will let you know if you are eligible based on your income and your living expenses.

Filing Chapter 13 Bankruptcy in West Orange

Filing Chapter 13 allows you to discharge your debt, save your home and still protect your valuable assets.

Chapter 13 bankruptcy may be right for you if:

• You are seeking to protect a home, condo, automobile or other valuable asset that you would lose in a Chapter 7 bankruptcy filing
• You want to eliminate taxes owed to the IRS or the state of New Jersey and/or repay taxes without further penalties or interest
• You have valuable assets you do not want to liquidate to pay off your debts

Under a Chapter 13 bankruptcy, you can file a debt reorganization plan to pay back a percentage of your debt with reasonable payments over the course of three to five years. In this way, you can protect your assets, while reducing your debt to a reasonable amount. Under certain circumstances you may be able to eliminate second or third mortgages and reduce automobile payments.

Contact Our Essex County Chapter 7 Lawyers

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