Best Bankruptcy Attorneys in Toms River

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Last updated: October 1, 2022

Cerbone Law Firm

2430 New Jersey 34, Manasquan, NJ 08736

Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Settlement
IRS Tax Debt

Cerbone Law Firm caters to the needs of residents and businesses in Toms River and its neighboring areas. It handles cases involving matters like personal and business debt, wage garnishments, foreclosures, tax issues, and car repossessions. The practice’s team of bankruptcy attorneys has been offering legal solutions for more than 25 years. James J. Cerbone, the firm's director, is a board-certified business bankruptcy lawyer. He is also licensed to practice law in federal and state courts in New York.

Gillman Bruton Capone Law Group

770 Amboy Avenue, Edison, NJ 08837

Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

Gillman, Bruton, Capone Law Group focuses on filing bankruptcies for individuals, married couples, and businesses in the Toms River area. The firm uses Chapter 11 bankruptcies to protect small businesses from overwhelming debts. It prepares Chapter 7 and Chapter 13 bankruptcies for consumer bankruptcies. The firm also helps clients avoid foreclosure through legal action and direct negotiations with lenders. Cofounding attorney Justin M. Gillman has presented bankruptcy-related seminars to numerous organizations, including the New Jersey Bar Association and the National Business Institute.

Law Office of David A. Semanchik

248 Washington Street, Toms River, NJ 08753

Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

The Law Office of David A. Semanchik, a small law firm based in Toms River, has been assisting clients with bankruptcy filings since it was founded in 1995. The firm always makes the effort to educate clients all about two major types of bankruptcy, Chapter 7 and Chapter 13, before formally filing bankruptcy in federal court. It helps clients keep foreclosure at bay by renegotiating mortgages for more reasonable monthly payments.

Law Offices of Steven J. Abelson, Esq.

915 Lacey Road, Forked River, NJ 08731

Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Chapter 11 Bankruptcy

Serving the Toms River area, Steven J. Abelson Esq. PC is a bankruptcy law firm that has helped individuals in a difficult financial situation since 1990. The firm assists clients in the process of filing for protection under Chapters 7, 13, and 11 of the U.S. Bankruptcy Code. It also counsels them on alternative solutions to their monetary problems, including debt negotiations and referrals to consumer credit counseling organizations or qualified mortgage brokers.

Lee M. Perlman, Esq.

200 Main Street, Toms River, NJ 08753

Chapter 7 Bankruptcy

Since 1994, Lee M. Perlman Esq. has helped individuals and businesses in and near Toms River to obtain debt relief. His firm handles bankruptcy under Chapters 7, 11, and 13, guiding its clients throughout all the applicable legal proceedings. It works to stop and prevent evictions, garnishments, repossessions, foreclosures and sheriff's sales, utility shutoffs, and mortgage disputes, as well as collector and creditor harassment. Initial consultations are free of charge.

Manchel New Jersey Bankruptcy Law

1 Hadley Avenue, Toms River, NJ 08753

Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

Manchel New Jersey Bankruptcy Law is a civil law firm based in Toms River that solely practices bankruptcy law. The firm thoroughly explains the basics of bankruptcy during initial consultations to empower clients to make good financial decisions with conviction. Manchel New Jersey Bankruptcy Law primarily uses Chapter 13 and Chapter 7 bankruptcies. The firm also helps clients resolve foreclosures to save their homes from repossession. Founding attorney Robert Manchel is a board-certified consumer law bankruptcy attorney per the American Board of Certification.

Regina L. Gelzer, Attorney-at-Law, LLC

802 Main Street, Toms River, NJ 08753

Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Settlement

Regina L. Gelzer Attorney at Law LLC is a bankruptcy law firm serving the Toms River area that's led by an attorney with over three decades of legal experience. The firm represents individual debtors and small businesses in Chapter 7 and 13 bankruptcy cases. It analyzes each client's unique situation, including income, assets, and types and amounts of debt, to help them choose the best course of action. Clients can schedule free consultations.

Straffi & Straffi Attorneys at Law

670 Commons Way, Toms River, NJ 08755

Debt Settlement

Straffi & Straffi Attorneys at Law provides legal counsel to residents of the Toms River area who find themselves in the midst of a financial crisis. In order to help them obtain relief from credit card debt, medical bills, and collection calls, it handles bankruptcy cases under Chapters 7, 11, and 13, representing individuals, businesses, and creditors. The firm also offers assistance with loan modifications, foreclosure defense, and debt negotiation and restructuring.

The Law Office of MaryBeth Schroeder

802 Main Street, Toms River, NJ 08753

Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

The Law Office of MaryBeth Schroeder provides legal representation to clients in the Toms River area. The firm's bankruptcy attorney helps clients file for chapters 7 and 13 and assists with related matters like creditor harassment, evictions, and home foreclosure. It likewise offers legal solutions to business owners facing bankruptcy and guides them through the process of bankruptcy-related litigation. The firm's principal lawyer, MaryBeth Schroeder, served as the Chief Judge of the District of New Jersey's Bankruptcy Court.

The Law Office of Piotr Rapciewicz

445 Brick Boulevard, Brick, NJ 08723

Debt Settlement

The Law Office of Piotr Rapciewicz helps individuals and corporations near Toms River file for debt relief under the bankruptcy code. Its attorneys assess the client's eligibility and determine whether to file for Chapter 7 or 13 bankruptcy. To help business owners resolve their debts and remain in operation, they can petition the court for Chapter 11 bankruptcy. The firm also works on immigration, estate planning, business, and immigration law. Founder Piotr Rapciewicz is a member of the New York City Bar Association.

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Frequently Asked Questions

Q: Can anyone file bankruptcy?

A: 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.

Q: How bad is it to file bankruptcy twice?

A: 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.

Q: Can they take my car in Chapter 7 bankruptcy?

A: 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.

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