The Hackensack bankruptcy attorneys of Scura, Wigfield, Heyer, Stevens & Cammarota have assisted individuals and businesses in Hackensack file for bankruptcy relief since 1972. Our bankruptcy lawyers understand the bankruptcy process and how to use the bankruptcy system to help you eliminate debt and protect your property. If you are unable to pay your debts, there is an affordable solution. You do not need to worry or struggle financially any longer. You can get the fresh start you need to rebuild your finances after a financial crisis.
Deciding whether to file for bankruptcy relief is a serious decision that should not be made without consulting an experienced Hackensack bankruptcy lawyer. Once you file a Chapter 7 or Chapter 13 bankruptcy case, it can be difficult or impossible to undo the consequences. However, for many individuals, filing a bankruptcy case is the best way to get out of debt quickly. They just need an attorney who has experience handling bankruptcy matters to guide them through the bankruptcy process.
There are many reasons why you may want to consider a bankruptcy filing to resolve your debt problems. People file bankruptcy for many different reasons. If you are having trouble deciding whether bankruptcy is the best debt relief option for you, try answering these questions:
If you answered yes to any of the above questions, you might need to file a Chapter 7 or Chapter 13 bankruptcy case to resolve your debt problems. Our Hackensack bankruptcy attorneys carefully evaluate and analyze your financial situation during a free consultation to determine if you qualify for Chapter 7 or Chapter 13 and whether a bankruptcy case is your best option for debt relief.
At Scura, Wigfield, Heyer, Stevens & Cammarota, our core beliefsfocuson our desire to help our clients find an affordable solution to debt problems. We understand that good people find themselves in terrible situations. In many cases, the things that happen in our lives are out of our control. Unemployment, accidental injuries, illnesses, divorce, loss of a spouse, and other life events can lead to a financial crisis. Sometimes, it is impossible to recover from a financial crisis without the assistance of the bankruptcy court.
Whatever the reason may be for your financial situation, we are not here to pass judgment or question why you may need help. It is our job to provide compassionate and experienced legal counsel, support, and guidance as you take steps to resolve your debt problem. Our legal team takes this job very seriously. We desire to help you gain the fresh start you need to recover from whatever life event brought you to our office.
This concern keeps many people from calling a Hackensack bankruptcy lawyer. The truth is that very few people lose property when they file a Chapter 7 or a Chapter 13 bankruptcy case in New Jersey. Bankruptcy exemptions protect the equity in your property from your creditors and the bankruptcy trustee.
Our lawyers thoroughly review your case to determine if any assets may be at risk if you file a bankruptcy case. Depending on your financial situation, it might be in your best interest to surrender some property to get out of substantial debt. The first step is to allow our attorneys to review your situation during a free consultation.
If you are one of the few people who have equity in your assets that exceed the protection of bankruptcy exemptions, it is then up to you how you want to proceed. You are never under any obligation to retain our law firm or file a case after your initial consultation. We just want you to have the information you need to make a decision that gives you the best chance of getting out of debt while keeping your property.
Most unsecured debts are discharged when you file a bankruptcy case. Debts such as medical bills, personal loans, credit card debts, personal judgments, old utility bills, and payday loans are discharged through bankruptcy. However, some debts are not dischargeable through bankruptcy.
Alimony, child support, restitution, and most debts owed to government entities are not eligible for a discharge. Most personal taxes are not dischargeable, although some old personal income tax debt may be eligible for a bankruptcy discharge. Student loans are typically not dischargeable, unless you qualify for a hardship discharge.
Bankruptcy offers a way to get rid of most of the debts that you cannot pay. Once you complete your Chapter 7 or Chapter 13 case, you could be debt-free, depending on your current financial situation. Talk to an experienced bankruptcy attorney to discover how much debt a bankruptcy filing can eliminate.
Contact our bankruptcy law firm in Hackensack by calling 973-870-0434 or 888-412-5091. A knowledgeable representative can give you additional information and schedule a free consultation with one of our Hackensack bankruptcy lawyers.