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What Do Our NJ Bankruptcy Attorneys Think About Debt Consolidation?

Why is Debt Consolidation a Bad Idea?

Don't be the Next Victim of Debt Consolidation.

Speak with a Trusted Attorney Now.

Call Us: 973-200-4662


 


ATTORNEYS AT LAW

CREDITOR HARRASSMENT

 A debt resolution company can’t stop creditors from reporting delinquencies on your credit report.

CREDIT SCORE

Creditors will continue to report late accounts. Collection agencies will start buying the debt and report the debt as a collection account.

NO LEGAL PROTECTIONS

 It doesn’t prevent creditors from commencing civil law suits, from garnishing wages, levying bank accounts, or even force a creditor to take less than it is owed.  That is the simple truth. 

DECEPTIVE CLAIMS 

Debt relief agencies are great at marketing, but are a poor choice in most circumstances.  Debt relief agencies promote that their services are an alternative to bankruptcy, but in truth they are preying on people’s emotions and creating false expectations. 

Paying some agency to hold your money while your credit is ruined, and lawsuits rain down, all the while the amount owed to creditors increasing because of default interest, penalties, and attorney fees, is just not a wise decision.

David Stevens, Esq.

Partner, Attorney At Law

A lot of times debt consolidation companies don't actually settle the debt and the accounts go into default. Then they keep asking for more money.

David E. Sklar, Esq.

Attorney at Law

Let's say it takes 8 months for a debt consolidation company to settle your debt. Your credit score takes a hit each month. With bankruptcy, you only take the hit once.

Guillermo J. Gonzalez, Esq.

Attorney at Law

What people are saying . . .

"Great law firm. Very friendly and helpful. Their team is honest and willing to do what it takes to get the job done as long as you leave it the hand of the professionals to do the job! Well experienced crew."

"The team here was amazing. They were easy to talk to and explained everything in terms i would understand. They kept reassuring me and made me feel at ease about the case. They were prompt on their responses but patient while wait for me. I will continue to use them in the future and would recommend them to a friend or family member."

Marco G.

"Right from the beginning of my consultation till the end of my case, John and his proud staff gave me step by step details, one hundred percent of their attention, and reinforced in every possible caring way that everything was going to be OK. True professionals and always very reach able. They made my case smooth and stress free. I have highly recommended them already and have heard nothing but great things, and "thank you's" for doing so"

Thomas I.

Here are some Google Reviews from our past clients.

Carol M.

"I can’t say enough positive remarks about John Scura. I was super scared to go to my appointment. I did not know what to expect and am pretty intimidated by this whole matter of bankruptcy. He immediately put me at ease. He was so down to earth and reassuring that all would be fine.   He was very thorough, friendly, courteous, kind, helpful, patient, gracious. As I began, I can’t say enough about what an awesome guy he is (but I tried!). I wholeheartedly recommend Mr. Scura and pray God’s blessing on him for all his help."

Jim F.