Facing overwhelming debt can be one of life's most stressful experiences. At PBNJ Law, we understand the emotional and financial burden you're carrying. Our experienced bankruptcy attorneys provide compassionate, non-judgmental guidance to help you regain control of your finances through Chapter 7 or Chapter 13 bankruptcy.
We've helped hundreds of individuals and families in New Jersey and New York achieve debt relief and a fresh financial start. Let us guide you through every step of the bankruptcy process.
Also known as "liquidation bankruptcy," Chapter 7 allows you to discharge most unsecured debts in as little as 3-4 months. This option is ideal for individuals with limited income and few assets.
Chapter 13 allows you to reorganize your debts and create a manageable 3-5 year repayment plan. This option is ideal for individuals with regular income who want to keep their assets.
Filing for bankruptcy triggers an automatic stay, immediately stopping creditor harassment, collection calls, wage garnishments, and foreclosure proceedings.
We handle all paperwork and documentation, ensuring your bankruptcy petition is accurate, complete, and filed correctly the first time.
We represent you at the 341 Meeting of Creditors and handle all communications with the bankruptcy trustee and creditors.
We provide advice on rebuilding your credit and managing your finances after bankruptcy to ensure long-term financial stability.
No. Both New Jersey and New York have generous exemption laws that protect most of your assets, including your home equity, car, retirement accounts, and personal belongings. We'll review your assets and ensure maximum protection.
Chapter 7 bankruptcy remains on your credit report for 10 years, while Chapter 13 stays for 7 years. However, many clients see their credit scores improve within 1-2 years as they rebuild their credit history without the burden of overwhelming debt.
Yes. Filing for bankruptcy triggers an automatic stay that immediately stops foreclosure proceedings. Chapter 13 is particularly effective for homeowners, allowing you to catch up on missed mortgage payments over 3-5 years while keeping your home.
Schedule a free consultation to discuss your situation and explore your options. There's no obligation, and all consultations are completely confidential.
Available 24/7 for emergencies