We are New Jersey and New York Bankruptcy Attorneys
Chapter 7 Bankruptcy
Often called a “fresh start” bankruptcy
because it can eliminate many unsecured debts—such as credit card balances, medical bills, and certain personal loans—through a court-supervised process.
In most cases, a Chapter 7 case proceeds by reviewing assets and applying available exemptions that may protect essential property. When eligible, individuals can often obtain a discharge within a few months. Eligibility and outcomes depend on income, assets, and the nature of the debts involved, and certain obligations—such as many taxes, domestic support, and most student loans—may not be dischargeable.
We help you start a new debt-free journey.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is a reorganization option for individuals with regular income that allows you to propose a court-approved repayment plan—typically lasting three to five years—to address debts in a structured, manageable way.
It is commonly used to stop collection activity and foreclosure proceedings and to catch up on mortgage or car loan arrears over time, while you keep your property and make monthly plan payments. Depending on your income, assets, and the type of debt, Chapter 13 can also help manage priority obligations (such as certain taxes and domestic support), and may reduce or eliminate some unsecured balances after successful completion of the plan. The specific payment amount and plan terms depend on statutory requirements, your budget, and how creditors’ claims are treated under the Bankruptcy Code.
We help you reorganize your debts, while saving your home and other valuable assets.
Business Bankruptcy:
Chapter 7 & Subchapter V
A Business Chapter 7 Bankruptcy case is a court-supervised liquidation. A trustee is appointed to collect and sell nonexempt assets (subject to valid liens) and distribute proceeds to creditors under the Bankruptcy Code’s priority scheme. It is typically an “orderly wind-down”.
Subchapter V is a streamlined Chapter 11 reorganization framework designed for qualifying small business debtors. Its purpose is to facilitate a quicker, less procedurally burdensome reorganization while the debtor typically retains control of operations.
We help businesses navigate through bankruptcy.
