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Best Bankruptcy Attorneys in Camden

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GMS LAW logo
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GMS LAW

1170 East Landis Avenue, Vineland, NJ 08360
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  • Creditor Representation

Business Description

Established in 1971, GMS Law is a general practice law firm near Camden with extensive courtroom experience. The firm offers legal services to a broad range of commercial law concerns, including bankruptcy. The skilled bankruptcy lawyers at this firm provide representation for creditors in bankruptcy proceedings. They also advise clients in foreclosures involving real estate and mortgages. GMS Law represents individuals and businesses not only in litigations but also in legal transactions.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.5 / 5 (8)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Klehr Harrison Harvey Branzburg LLP logo
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Klehr Harrison Harvey Branzburg LLP

10000 Lincoln Drive East, Evesham, NJ 08053
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  • Debt Settlement

Business Description

Klehr Harrison Harvey Branzburg LLP has a team of bankruptcy attorneys that serve the Camden area. The law firm provides bankruptcy litigation services. Lawyers at the company handle all types of disputes arising in bankruptcy cases, in creditor-debtor relationships, and in state court receiverships. They also litigate adversary and contested proceedings in bankruptcy courts across the country. Richard M. Beck, one of the firm's bankruptcy lawyers, has been providing legal services for more than 20 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Law Office of Joel R. Spivack logo
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Law Office of Joel R. Spivack

1415 Marlton Pike East, Suite 302, Cherry Hill, NJ 08034
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Joel R. Spivack is a real estate and bankruptcy law firm offering legal counsel to clients in Camden, Cherry Hill, and the rest of Central and South New Jersey. Founding attorney Joel R. Spivack has been helping clients with residential real estate and bankruptcy matters for over 25 years. Clients can expect a thorough examination of their bankruptcy case and evaluation of what debt relief options are applicable to their situation. Spivack is rated AV by Martindale-Hubbell.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (100)
Google
4.9 / 5 (82)
Facebook
4.9 / 5 (25)

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Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Law Offices of Howard N. Sobel logo
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Law Offices of Howard N. Sobel

507 Kresson Road, Voorhees Township, NJ 08043
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Offices of Howard N. Sobel is a general practice firm that has been representing clients in Southern New Jersey and the Philadelphia region for over 35 years. Its bankruptcy lawyers represent businesses and individuals, helping them either eliminate debts or liquidate their assets through chapter 7 or chapter 13 filings. Aside from handling bankruptcy cases, this firm practices in areas of business representation, commercial collection, personal injury, and civil litigation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (5)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Richardson Law Offices logo
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Richardson Law Offices

40 Newton Avenue, Woodbury, NJ 08096
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  • Debt Settlement
  • Student Loan Debt

Business Description

Richardson Law Offices offers the legal services of experienced bankruptcy lawyer Steven J. Richardson in cases related to bankruptcy, collection and credit, foreclosure, student loan debts, expungement, and traffic-related matters. The firm seeks to explain to clients their possible options to eliminate debt and rebuild their credit after filing for bankruptcy. Richardson is the former president and the current treasurer of the Gloucester County Bar Association. He is also a member of the National Association of Consumer Bankruptcy Attorneys (NACBA).

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.3 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Robert Braverman logo
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Robert Braverman

800 Kings Highway North, Cherry Hill, NJ 08034
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Robert Braverman is a bankruptcy attorney near Camden dedicated to helping businesses and individuals alleviate the stress that comes with overwhelming debt. With 30 years of experience, he reviews each client's case and level of debt to determine the right bankruptcy options for them. He is well-versed in handling Chapters 7, 11, and 13 bankruptcy. Braverman also offers assistance in dealing with finances after filing bankruptcy, which includes rebuilding credit ratings and acquiring cars and residential properties.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (6)
Google
5.0 / 5 (4)
Facebook
5.0 / 5 (2)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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The Law Offices of Brenner Spiller & Archer, LLP logo
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The Law Offices of Brenner Spiller & Archer, LLP

175 Richey Avenue, Collingswood, NJ 08107
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Offices of Brenner Spiller & Archer, LLP, is a law firm that has been helping individuals and families throughout Camden, Burlington, Cumberland, and Monmouth Counties for over 35 years. A team of experienced personal injury and bankruptcy attorneys provides legal guidance to clients. They help file for chapter 13 and chapter 7 bankruptcy petitions. This firm also provides debt relief alternatives such as loan modifications and short sales. It also handles cases involving car accidents and medical malpractice.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (23)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Young, Marr & Associates Law Firm logo
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Young, Marr & Associates Law Firm

909 Route 130 South, Suite 202, Cinnaminson, NJ 08077
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  • Chapter 7 Bankruptcy
  • Debt Settlement

Business Description

Young, Marr & Associates Law Firm is a criminal defense, disability, and bankruptcy law firm that represents clients in several offices in Pennsylvania and New Jersey. In New Jersey, they cater to residents of Camden, Cinnaminson, and the rest of the surrounding area. The firm has more than 30 years of experience in handling cases related to bankruptcy law, criminal defense, disability law, and personal injury. The firm has been featured in The Philadelphia Inquirer, ABC News, and The New York Times.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Avvo
5.0 / 5 (71)
Yelp
1.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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