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Best Bankruptcy Attorneys in Jersey City

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Fazzio Law Offices logo
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Fazzio Law Offices

5 Marine View Plz, Hoboken, NJ 07030
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Student Loan Debt

Business Description

Based in Hoboken, New Jersey, Fazzio Law Offices offers legal services to clients throughout the greater Jersey City metro area. The firm's main areas of practice include bankruptcy, tax, foreclosure, small business, family, and student loan law. The attorneys have adequate experience with foreclosure, Federal and State taxes, eviction courts, the Faird Debt Collection Practices Act, and the Fair Credit Reporting Act. They guide clients in choosing suitable bankruptcy options and rebuilding their financial health.

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
Facebook
5.0 / 5 (9)

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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Fitzgerald & Associates, P.C. logo
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Fitzgerald & Associates, P.C.

649 Newark Ave J, Jersey City, NJ 07306
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Corporate Restructuring
  • Chapter 11 Bankruptcy

Business Description

Fitzgerald & Associates PC is a law firm in Jersey City, New Jersey, with two other offices in West Orange and New York. It has over 25 years of experience in the legal industry and focuses mainly on bankruptcy cases. The attorneys offer advice and free consultations on all matters involving Chapters 7,11, and 13 bankruptcies, helping clients understand whether or not bankruptcy is right for their situation. The firm employs bilingual staff, with communication available in English and Spanish.

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.
3.9
Google
4.6 / 5 (11)
Yelp
2.0 / 5 (4)

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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.
5.0
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Goldman & Beslow LLC logo
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Goldman & Beslow LLC

26 Journal Square Suite 603, Jersey City, NJ 07306
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • Student Loan Debt
  • IRS Tax Debt

Business Description

Goldman & Beslow LLC is a legal practice in Jersey City, New Jersey, that has provided legal counsel and representation to clients within the region and the surrounding areas for over 4 decades. The firm primarily focuses on bankruptcy law, helping clients in distressed debt to obtain relief, such as stopping creditor harassment and discharging most of their outstanding debts. Clients can call for free consultations, and communication is available in English and Spanish.

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
Facebook
4.0 / 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
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Law Offices of Steven J. Abelson, Esq logo
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Law Offices of Steven J. Abelson, Esq

1 Meadowlands Plz Ste 200, East Rutherford, NJ 07073
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement
  • IRS Tax Debt
  • Corporate Restructuring
  • Chapter 11 Bankruptcy

Business Description

The Law Offices of Steven J. Abelson, Esq., is a legal practice located in East Rutherford, New Jersey, serving clients from all over the greater Jersey metro area. Founded in 1990, the firm has been assisting individuals in filing for protection under Chapters 7, 13, and 11 of the United States Bankruptcy Code. The attorneys focus on consumer bankruptcy and related consumer litigation, protecting clients' rights by prosecuting violations by creditors, including actions for damages as appropriate.

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 (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
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Lofaro & Headley, LLC logo
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Lofaro & Headley, LLC

51 Newark Street Suite 305, Hoboken, NJ 07030
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Lofaro & Headley LLC is a law firm based in Hoboken, New Jersey, that serves clients from all over the greater Jersey City metro area and beyond. The firm's main areas of practice include bankruptcy law, and its attorneys handle a range of bankruptcy matters involving Chapters 7 and 13, as well as the stopping of foreclosure. The attorneys also litigate cases involving family and real estate law. Clients can call for a free consultation, and Spanish- and English-speaking staff is available.

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 (3)
Avvo
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
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Mario M. Blanch, Attorney at Law logo
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Mario M. Blanch, Attorney at Law

440-65th St, West New York, NJ 07093
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Corporate Restructuring
  • Chapter 11 Bankruptcy

Business Description

Mario M. Blanch Attorney at Law is a law firm based in West New York, New Jersey, offering legal services to clients in the area and the surrounding communities. Bankruptcy law is one of the firm's core areas of practice, and the attorney helps individuals, couples, and businesses that cannot meet their financial obligations to seek relief from paying some or all of their debt. The firm also handles criminal, family, and real estate 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.
4.6
Google
4.8 / 5 (62)
Avvo
3.9 / 5 (14)
Yelp
1.0 / 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.
4.0
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––
Norgaard O'Boyle, Attorneys At Law logo
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Norgaard O'Boyle, Attorneys At Law

184 Grand Ave, Englewood, NJ 07631
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement
  • Corporate Restructuring
  • Chapter 11 Bankruptcy

Business Description

Norgaard O’Boyle, Attorneys At Law offers legal services to clients in and around Jersey City. Its practice areas include bankruptcy and bankruptcy alternatives, real estate, corporate law, and commercial litigation. It offers compassionate and personalized attention to its clients as well as open communication and transparency. The truly dedicated team of Chapter 7, Chapter 11, and Chapter 13 bankruptcy lawyers in Jersey City brings over 100 years of combined legal experience and crafts lasting solutions to the problems facing its clients. The truly dedicated bankruptcy lawyer in/near Jersey City provide free consultations.

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 (18)

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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Raymond and Raymond logo
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Raymond and Raymond

7 Glenwood Ave Ste 408, East Orange, NJ 07017
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • Student Loan Debt
  • IRS Tax Debt

Business Description

RAYMOND AND RAYMOND is a city in East Orange, New Jersey, serving clients in the greater Jersey City metro area and the adjoining neighborhoods. The firm handles Chapter 7 and Chapter 13 bankruptcy cases, helping clients find ways to clear of some or all of their debts or modify their loans to find a more affordable and convenient payment plan. Partner Herbert Raymond has practiced bankruptcy law for over 25 years and is a member of the National Association of Consumer Bankruptcy Attorneys.

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
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
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Scarinci Hollenbeck logo
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Scarinci Hollenbeck

1100 Valley Brook Ave, Lyndhurst, NJ 07071
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  • Chapter 11 Bankruptcy
  • Creditor Representation
  • Corporate Restructuring

Business Description

Scarinci Hollenbeck is a firm based in Lyndhurst, New Jersey, providing legal services to clients in the greater Jersey City metro area. Bankruptcy law and creditor's rights are some of the firm's primary areas of practice. Its attorneys advise creditors regarding their rights and remedies in bankruptcy, under the Uniform Commercial Code, foreclosures, and other types of recovery of real and personal property, secured and unsecured transactions, and other areas of commercial 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
Facebook
4.6 / 5 (30)
Google
5.0 / 5 (8)
Avvo
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
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Schneider Freiberger, P.C. logo
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Schneider Freiberger, P.C.

621 Shrewsbury Avenue, Shrewsbury, NJ 07702
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  • Chapter 7 Bankruptcy
  • Credit Card Debt
  • Debt Settlement
  • Student Loan Debt

Business Description

Schneider Freiberger, P.C. offers the legal expertise of professionals, from criminal defense attorneys to bankruptcy lawyers. The law firm represents clients in areas around Jersey City and Shrewsbury. For over 35 years, its attorneys have worked on a wide range of practice areas, which are divided into two main categories: criminal defense and civil law. Under civil law, the lawyers handle consumer bankruptcy cases such as chapter 7 bankruptcy filings.

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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Serna Law Firm logo
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Serna Law Firm

5300 Bergenline Ave, West New York, NJ 07093
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy
  • Corporate Restructuring

Business Description

Serna Law Firm offers legal assistance and representation for clients in Jersey City. The legal office aids individuals and businesses going through financial problems in filing for chapter 7 and chapter 13 bankruptcy. Its sole practitioner, Steven A. Serna, helps clients navigate the process and accomplish the paperwork needed. With over 15 years of experience, Serna also deals with real estate, business law, and municipal court concerns. The staff members of Serna Law Firm are fluent in English and Spanish.

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
3.9 / 5 (23)
Avvo
4.7 / 5 (21)
Yelp
3.5 / 5 (3)

(+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 Patel, Soltis & Cardenas logo
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The Law Offices of Patel, Soltis & Cardenas

574 Newark Ave Ste 307, Jersey City, NJ 07306
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • Student Loan Debt
  • IRS Tax Debt
  • Corporate Restructuring
  • Chapter 11 Bankruptcy

Business Description

The Law Offices of Patel, Soltis & Cardenas is a legal practice based in Jersey City, New Jersey, with two other offices within the state and three offices in neighboring New York. The firm focuses on bankruptcy, foreclosure litigation, loan modifications, probate, and real estate transactions. The attorneys help clients by going over all their options to help devise the best course of action, and free consultations are available via call or web chat support.

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
Google
4.6 / 5 (65)
Yelp
5.0 / 5 (18)
Facebook
4.6 / 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

Consumers utilizing Expertise.com are free to communicate and contract with any lawyer they choose. Expertise.com is not involved in the confidential attorney-client relationship. Featured lawyers pay a reasonable advertising cost to market their legal services with Expertise.com and must meet similar selection criteria as other lawyers. All cases are different. Prior results do not guarantee a similar outcome.

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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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