Expertise.com

Best Bankruptcy Attorneys in Clifton

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Bankruptcy Attorneys FAQs

Learn more
1 Bourne, Noll & Kenyon, A Professional Corporation logo
Visit WebsiteWebsite

1 Bourne, Noll & Kenyon, A Professional Corporation

382 Springfield Avenue, Summit, NJ 07901
Visit WebsiteWebsite
  • Debt Settlement

Business Description

Bourne, Noll & Kenyon is a firm handling bankruptcy law and creditors' rights matters in the Clifton area. Its bankruptcy attorneys can assist those who want to coordinate with lenders in loan workouts to set-up monthly payments. They can also represent debtors who want to restructure debts during bankruptcy proceedings. This law office has experience in forbearance agreements that ensure delinquent borrowers get to keep their properties. It also handles elder law and trust administration.

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

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
––
Andrew M. Wolfenson, Esq., P.C.. logo
Visit WebsiteWebsite

Andrew M. Wolfenson, Esq., P.C..

2414 Morris Avenue, Union, NJ 07083
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Andrew M. Wolfenson, Esq., P.C. brings over 25 years of experience in various areas of law, including bankruptcy. From preparing bankruptcy filings to securing the discharge of debts, the firm's bankruptcy attorneys counsel clients in all aspects of the proceedings. As the Bankruptcy Abuse Prevention and Consumer Protection Law have made bankruptcy declarations more complicated, the attorneys ensure clients' compliance to the strict policies. They cover chapters 7 and 13 bankruptcies and help clients prevent foreclosures and wage garnishments.

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 (95)
Google
4.9 / 5 (79)
Facebook
5.0 / 5 (19)

(+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
Responsiveness
Friendliness
Helpfulness
Detail
Ast & Schmidt, P.C. logo
Visit WebsiteWebsite

Ast & Schmidt, P.C.

222 Ridgedale Avenue, Morristown, NJ 07962
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • IRS Tax Debt

Business Description

Ast & Schmidt, P.C. helps families and individuals in Clifton and nearby communities obtain a fresh financial start. Its team of bankruptcy attorneys handles a variety of debt-related matters, including foreclosure defense, wage garnishment, debt settlement or consolidation, and creditor harassment. The firm helps clients file for chapter 7 bankruptcy for eliminating unsecured debts and chapter 13 bankruptcy for reorganizing debt and structuring a repayment plan. Firm partner David Alan Ast has over 30 years of experience in bankruptcy law.

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.
4.7
Avvo
4.5 / 5 (6)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

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
Dean G. Sutton, Esquire logo
Visit WebsiteWebsite

Dean G. Sutton, Esquire

18 Green Road, Sparta, NJ 07871
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Dean G. Sutton, Esquire is a law firm that represents clients who are seeking debt relief in Clifton and surrounding areas. The firm's bankruptcy attorney, Dean G. Sutton, has been filing bankruptcy cases for over 40 years now. Sutton focuses on filing chapters 7 and 13, stopping lawsuits, creditor harassment, and foreclosures. The firm assists in mortgage modification, debt negotiation, and bankruptcy-related real estate matters. Dean G. Sutton, Esquire also provides tips on rebuilding credit after filing for bankruptcy.

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)

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
Law Office of Stuart M. Nachbar, P.C. logo
Visit WebsiteWebsite

Law Office of Stuart M. Nachbar, P.C.

354 Eisenhower Pkwy Plaza 1, Ste 2025, Livingston, NJ 07039
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Stuart M. Nachbar, P.C. in Livingston assists individuals and businesses in Clifton in personal injury, bankruptcy, and special needs law matters. The firm, headed by Stuart M. Nachbar, has been providing legal help in bankruptcy protection filing for more than a decade. Nachbar is a former municipal prosecutor, and he handles proceedings for debt liquidation (chapter 7) and debt repayment plans (chapter 13). He also offers credit counseling before clients officially file for bankruptcy.

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
Google
5.0 / 5 (46)
Facebook
5.0 / 5 (10)

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
Law Office Of William H. Mulder logo
Visit WebsiteWebsite

Law Office Of William H. Mulder

479 N. Midland Ave., Saddle Brook, NJ 07663
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Law Office Of William H. Mulder provides bankruptcy assistance to Clifton residents. It helps individuals who are seeking debt relief by filing for chapter 7 and chapter 13 bankruptcies. It performs thorough case examinations, utilizes asset protection strategies, and completes the necessary paperwork before bankruptcy filing procedures. It also has foreclosure defense services for clients who want to avoid bank repossessions. Managing attorney William H. Mulder utilizes a hands-on approach in his practice and has been serving local clients for over 30 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.
4.8
Google
4.8 / 5 (27)
Yelp
5.0 / 5 (1)

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
Law Offices of Darin D. Pinto, P.C. logo
Visit WebsiteWebsite

Law Offices of Darin D. Pinto, P.C.

376 South Ave E, Westfield, NJ 07090
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Law Offices of Darin D. Pinto, P.C. is a bankruptcy law firm that assists Clifton-based residents. Headed by Darin D. Pinto, the company helps clients handle debts through chapter 7 and chapter 13 bankruptcy. The attorney serves clients suffering from debt due to income changes, medical bills, and divorce. He assesses clients' financial situations to determine the bankruptcy form that will suit their needs and their eligibility. Pinto has been practicing in the area of bankruptcy for almost 30 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.
5.0
FindLaw
5.0 / 5 (17)
Google
5.0 / 5 (1)

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
Law Offices of James C. Zimmermann logo
Visit WebsiteWebsite

Law Offices of James C. Zimmermann

244 State Hwy 94, Vernon, NJ 07462
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

The Law Offices of James C. Zimmermann handles the reorganization of chapters 7, 11, and 13 bankruptcy filings for individuals, families, and businesses around Clifton. Zimmermann assists clients in determining their qualifications for bankruptcy using personalized counsel based on their specific financial situations. He also challenges the legalities and technicalities of foreclosure proceedings initiated by banks to help families secure their homes. Outside of his practice, Zimmermann volunteers in community engagements under the Vernon Township Planning Board and Environmental Commission.

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.
4.4
Google
4.6 / 5 (39)
Facebook
5.0 / 5 (1)
Yelp
1.0 / 5 (1)

(+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
Responsiveness
Friendliness
Helpfulness
Detail
Levitt & Slafkes logo
Visit WebsiteWebsite

Levitt & Slafkes

515 Valley Street #140, Maplewood, NJ 07040
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Levitt & Slafkes works with Clifton individuals and businesses in bankruptcy, foreclosure, and commercial bankruptcy litigation. Its lawyers are proficient in the different bankruptcy protection filings, such as chapters 7 (debt liquidation), 13 (debt reorganization), and 11 (business debt reorganization and personal bankruptcy). All its clients undergo a means test to determine the appropriate bankruptcy protection to be filed. Its bankruptcy attorneys, Bruce H. Levitt and Shelley B. Slafkes, have over 50 years of combined legal experience.

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
4.9 / 5 (96)
Google
4.9 / 5 (81)
Yelp
5.0 / 5 (1)

(+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
Responsiveness
Friendliness
Helpfulness
Detail
Lucid Law logo
Visit WebsiteWebsite

Lucid Law

1065 Route 22 West Suite 2B, Bridgewater, NJ 08807
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

Lucid Law caters to individuals and businesses in Clifton dealing with debt. It helps clients find relief and get a fresh start through chapters 7, 11, and 13 bankruptcies. The firm also provides representation to secured and unsecured creditors. It applies alternative dispute resolutions such as collaborative law and mediation. Its head attorney, Karina Pia Lucid, has been practicing law since 2002. Before opening her firm in 2011, Lucid worked for Lowenstein Sandler P.C. and Norris McLaughlin and Marcus P.A.

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
Google
4.8 / 5 (25)
Facebook
5.0 / 5 (10)

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
Mandelbaum Salsburg logo
Visit WebsiteWebsite

Mandelbaum Salsburg

3 Becker Farm Road, Roseland, NJ 07068
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Debt Settlement

Business Description

Mandelbaum Salsburg is a bankruptcy law firm that has been providing legal assistance in Clifton and other areas since 1930. The team of attorneys from this business handles insolvency-related and bankruptcy matters for creditors in debt counseling, workouts, out-of-court restructuring, and bankruptcy cases. The firm also has experience in representing debtors in chapter 7 liquidation, chapter 11 reorganization, and state court insolvency remedies. The firm's bankruptcy lawyer, Stuart Gold, has more than 30 years of experience in bankruptcy law and commercial 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.
4.5
Facebook
5.0 / 5 (5)

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
Michael Schwartzberg logo
Visit WebsiteWebsite

Michael Schwartzberg

650 Bloomfield Ave Suite 100, Bloomfield, NJ 07003
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Michael Schwartzberg offers legal representation to individuals and businesses in Clifton. He takes on various cases, including bankruptcy. He provides guidance to clients in dealing with tax and IRS issues, wage garnishment, judgment liens, and debt consolidation. He also handles cases involving foreclosures, real estate, personal injury, and civil litigation. Michael is admitted to practice in the Supreme Court of New Jersey, the Supreme Court of New York, and the district courts of New Jersey and New York.

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
Google
4.8 / 5 (69)

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
Michelle Labayen logo
Visit WebsiteWebsite

Michelle Labayen

24 Commerce St #1300, Newark, NJ 07102
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Michelle Labayen helps people in the Clifton area facing financial problems. She assists clients in filing for chapter 7 bankruptcy, which discharges debts instantly, or chapter 13 bankruptcy, which requires repayment of debts while retaining property ownership. She has been practicing law for more than 16 years and has represented clients at the Legal Aid Society. Labayen has experience working for national banks, giving her in-depth knowledge of the legal processes used by credit card agencies and foreclosure companies.

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
Google
4.8 / 5 (57)

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
Minion & Sherman logo
Visit WebsiteWebsite

Minion & Sherman

33 Clinton Road, West Caldwell, NJ 07006
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Minion & Sherman is a law firm that provides legal solutions throughout Clifton and nearby areas. The company's bankruptcy attorneys offer chapter 7 and 13 bankruptcy options to effectively stop creditor activity, such as harassment and wage garnishment. Other practice areas of the firm are real estate, domestic violence, child custody and support, alimony, and divorce. The firm's founder, Stuart D. Minion, has been practicing law since 1991. Minion & Sherman was established in 1995.

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 (127)
Facebook
5.0 / 5 (3)
Yelp
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
Helpfulness
Detail
Ralph A. Ferro Jr., Esq. Law Offices logo
Visit WebsiteWebsite

Ralph A. Ferro Jr., Esq. Law Offices

66 E Main St 3rd floor, Little Falls, NJ 07424
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Ralph A. Ferro Jr., Esq. Law Offices is a legal firm dedicated to representing individuals and businesses in Clifton in bankruptcy matters. Its practice includes handling chapters 7, 11, and 13 bankruptcy cases; debtor and creditor rights; litigation; and mediation. It helps stop pending lawsuits, foreclosures, vehicle repossession, and wage garnishments. Ralph A. Ferro Jr. is a consumer bankruptcy specialist certified by the American Board of Certification. He has been practicing law for more than 29 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.
4.8
Google
4.9 / 5 (78)
Avvo
4.4 / 5 (12)

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
Raymond and Raymond logo
Visit WebsiteWebsite

Raymond and Raymond

416-418 Rahway Avenue 2nd Floor, Elizabeth, NJ 07202
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Raymond and Raymond assists in the legal process of filing bankruptcy in Clifton. It is a bankruptcy law firm that has been in the industry for the last 20 years. It concentrates on chapter 7 bankruptcy that cancels payment of an unsecured debt, such as personal loans, medical bills, and credit card debts. The firm's attorney, Herbert B. Raymond, belongs to the National Association of Consumer Bankruptcy Attorneys. He is also the former committee head of the Bankruptcy Lawyers Advisory Committee's consumer division.

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.
4.4
Google
4.3 / 5 (12)
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
Helpfulness
Detail
The Law Offices of Franklin S. Montero logo
Visit WebsiteWebsite

The Law Offices of Franklin S. Montero

451 Clifton Avenue, Clifton, NJ 07011
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

The Law Offices of Franklin S. Montero in Clifton offers legal advice to clients seeking to file for bankruptcy protection. It helps clients navigate different bankruptcy strategies, such as straight bankruptcy (chapter 7), court-ordered repayment plans (chapter 13), and business debt reorganization (chapter 11). The firm uses instruments such as the means test in determining the appropriate bankruptcy filing for each client. Its owner and managing attorney, Franklin Montero, also serves as a municipal court judge for Bergenfield.

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.
4.8
Google
4.8 / 5 (34)
Avvo
4.9 / 5 (15)
FindLaw
5.0 / 5 (5)

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
The Law Offices of Susan S. Long logo
Visit WebsiteWebsite

The Law Offices of Susan S. Long

4 East Ridgewood Avenue Suite 2, Ridgewood, NJ 07450
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Offices of Susan S. Long offers legal options involving chapters 7 and 13 bankruptcy to clients within Clifton. Long provides a comprehensive of potential strategies based on each client's financial situation and take factors such as liabilities, income, and assets into account. She also provides informative assistance regarding credit counseling courses and prepares necessary documents prior to filings. She currently serves on the Consumer Practice Sub Committee of the Association of the Federal Bar of New Jersey's Bankruptcy Section.

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
Google
5.0 / 5 (13)
Facebook
5.0 / 5 (5)

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
Virginia E. Fortunato Attorney at Law logo
Visit WebsiteWebsite

Virginia E. Fortunato Attorney at Law

1 Kinderkamack Rd, Hackensack, NJ 07601
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Virginia E. Fortunato Attorney at Law handles consumer bankruptcy issues for Clifton clients. Virginia assesses their financial situation and recommends the appropriate chapter for their case, such as 7 and 13. She counsels single mothers, seniors, individuals who ran up on medical debt, and unemployed clients to help them recover and give them a chance to increase their credit score despite their situation. Virginia is a National Association of Consumer Bankruptcy Attorneys member who has been practicing law for more than 16 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.
5.0
Avvo
5.0 / 5 (127)
Google
4.9 / 5 (74)

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
Walter D. Nealy P.C. logo
Visit WebsiteWebsite

Walter D. Nealy P.C.

100 S. Van Brunt St, Englewood, NJ 07631
Visit WebsiteWebsite
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Walter D. Nealy P.C. is a law firm that creates custom-made solutions for individuals and families in the Clifton metro and nearby areas. Its legal team assists clients in declaring bankruptcy, filing the necessary paperwork, and crafting repayment plans. The team utilizes legal options for foreclosure defense, creditor harassment respite, and debt discharge. Walter Nealy has been addressing the legal needs of the community for more than 20 years and also handles criminal defense cases.

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.
4.2
Google
4.2 / 5 (6)

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
Back to Providers

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.

Read all FAQs