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New Jersey Bankruptcy Attorney

GeorgetteMillerLaw.com > Locations > New Jersey Bankruptcy Attorney

Our New Jersey Office

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335 Evesham Avenue Lawnside, NJ 08045

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The attorneys at the Law Offices of Georgette Miller & Associates, P.C. are dedicated to meeting the individual needs of our clients. We have opened 5 offices in order to meet our clients face-to-face whenever possible, believing that personal interactions facilitate the best possible results.

Fax: (856) 546-5200

9:00-5:00

Call For Free Consultation

866-96-GMLAW

Opening Hours Mon. – Fri.

Our New Jersey office is located in close proximity to the New Jersey Turnpike, Route 295, and White Horse Turnpike. Our office location makes it convenient for clients in New Jersey or Chester County, Pennsylvania to get the individualized attention that they deserve, including people living in the following towns:

  • Bergen County
  • Burlington County
  • Camden County
  • Cape May County
  • Cumberland County
  • Essex County
  • Gloucester County
  • Hudson County
  • Hunterdon County
  • Mercer County
  • Middlesex County
  • Monmouth County
  • Morris County
  • Ocean County
  • Passaic County
  • Salem County
  • Somerset County
  • Sussex County
  • Union County
  • Warren County

By focusing our practice areas to bankruptcy, modification, and real estate law, our attorneys develop the necessary expertise to provide the best possible advice for our clients. We are dedicated to the idea of zealous advocacy, but never forget that what matters most is the best interests of our clients.

Bankruptcy Lawyers With Real Experience In New Jersey

When a person or business entity faces serious financial hardships that make it impossible to pay the incoming bills and meet ongoing financial obligations, it may seem like bankruptcy is the only option.

While our attorneys believe that bankruptcy provides a critical mechanism to permit someone to discharge or restructure debt to the point where they can manage the payments, we always consider alternatives with our clients. When the hardship that has led to the contemplation of a bankruptcy filing is temporary, it is possible to negotiate with creditors in order to arrive at a solution that works for everyone.

Many times, creditors would prefer this to taking their chances with a bankruptcy case where other creditors may have priority over them and they are left with little or no payment at the end of the action. However, when bankruptcy is the right decision, we will ensure that all the prerequisites are met, including credit counseling for individuals, and that the proper documentation is submitted so that the determination of the bankruptcy trustee is as favorable as possible for our clients.

What are the Benefits of Filing a Bankruptcy?

Bankruptcy: everyone dreads it. The reality is no one wants to go through a bankruptcy. Unfortunately, life does happen and people make poor or bad financial decisions. These typically make filing for bankruptcy very important. Thankfully, it’s not all bad news. if anything, some good can come out of filing for bankruptcy.

While bankruptcy might seem like the end of the world for some people, the benefits can help them get back on their feet. These include:

Helps with Restructuring Debt

Filing for bankruptcy gives you the opportunity to find a way to restructure your debts, so you can conveniently pay back your creditors. This means you can actually come up with solid payment plans that will help ensure you stay afloat while gradually settling your debts.

Triggers an Automatic Stay of Debt Recovery by Creditors

When debtors file for bankruptcy, it can trigger a stay of action on debt recovery by the creditors. As a result, your creditors won’t be able to take your vehicle, property, assets or contact you regarding their debts. Most bankruptcy filings automatically activate a “stay away” warning that prevents the other party from even suing, mailing, calling or threatening you. This buys you the time to figure out a feasible plan of action that will help pay off those debts.

You Get to Keep Your Property

Filing bankruptcy usually means the introduction of certain exemptions that makes it impossible for your creditors to touch your property.

Types of Bankruptcy Filings

A seasoned NJ bankruptcy lawyer knows that there are two types of bankruptcy filings. Clearly differentiating between the two is important when you’re filing for bankruptcy.

Chapter 7 Bankruptcy

Known as a “Liquidation Chapter”, this can help protect some of your assets from certain liquidation. When you file this, all collection processes from the creditors -including calls, threats, lawsuits and paycheck garnishments- will stop. This essentially protects you from all the hassles that the average debt faces from their creditors.

A seasoned New Jersey bankruptcy lawyer will help ensure this by:

  • Preventing your creditors from repossessing your vehicle
  • Making sure all liens and paycheck garnishments cease immediately
  • Provide legal advice that will help you recover and get rid of your debt

Chapter 13 Bankruptcy

Filing a Chapter 13 protection is a necessity if you’re dealing with excess debt, and having to fend off the creditors or collection agencies. This gives you the necessary reprieve you need to catch your breath and get some debt relief. This is why you should contact a seasoned New Jersey attorney Georgette Miller Law to help you get this.

Filing a chapter 13 bankruptcy protection might be necessary if you do not qualify for other bankruptcy protections. And with the proper legal expertise of your attorney, you just might be able to retain your assets, properties, and vehicles.  Under this chapter, debtors will propose a feasible repayment plan that usually extends over a predetermined length of time -usually 3-5 years.

It has some advantages over chapter 7 bankruptcy filing. Come talk to an attorney at Georgette Miller, so we can help clarify their difference.

Which Bankruptcy Type is Best for Your Situation in New Jersey?

After we review your case, we’ll be able to tell you which bankruptcy filing will be best for your situation in New Jersey. Our focus at Georgette Miller Law is to help you draw up a feasible plan of action that’ll help you settle your debt quickly, and get your creditors out of your hair. 

Can the Courts Deny Your Request for Bankruptcy?

Yes, the courts can mostly on the grounds of poor paperwork filing. Here’s the truth: you need a New Jersey Bankruptcy lawyer to help with the bankruptcy filing process. Our attorneys are uniquely skilled at this because we’ve handled many bankruptcy filings in the process.

Remember that most times, the difference between keeping your home and losing it is timing. If your bankruptcy filing gets thrown out, it could give the creditor just the time they need to kick you out of your home or execute the necessary repossession to recoup the debt.

Be smart about this, and let a highly qualified New Jersey bankruptcy lawyer help you today.

New Jersey Bankruptcy Lawyer – How Can Georgette Miller Law  Help?

A key part of the bankruptcy process is coming up with solid plans that’ll help prevent the case from going south. We’ll come up with solid debt management and repayment plans, that’ll make it easy for your creditors to get off your back, thus providing the relief you so ardently need.

Every GMLaw attorney is a skilled New Jersey bankruptcy attorney. Which means we can guide you and help you secure a fair outcome in accordance with the local laws. If you have any questions or need some qualified legal consultation, feel free to call the Georgette Miller Law’s local office on (856) 323-1100 today. 

NEW JERSEY LOAN MODIFICATION ATTORNEYS

Individuals looking for a loan modification are confronted with many of the same issues as those who have contemplated bankruptcy. When there is a change in circumstances or a financial hardship, it may be difficult for an individual to foresee a time when they can make their mortgage payments again. Our attorneys will go through a detailed analysis with our clients in order to determine whether or not it will be possible to reduce the house payments to a level where the homeowner can make them regularly – typically this means that the payment is about one-third of the income of the individual or household. Then, we will work with the homeowner and the lender to negotiate a reduction in payments through a decrease in interest rates, a longer loan term, and possibly a reduction in the principal balance. Lenders are aware that they frequently receive far less in a foreclosure than in a successful loan modification, so they are willing to negotiate.

NEW JERSEY REAL ESTATE LAWYER

In a real estate transaction, the finances of the deal play a primary role throughout the process. At the Law Offices of Georgette Miller & Associates, P.C., we understand how to analyze a deal and arrive at the appropriate conclusions about feasibility and practicality. We are skilled at negotiating deals and drafting purchase or sale contracts, structuring financial packages, and ensuring that all relevant details are addressed in order to avoid unexpected surprises at closing or afterwards. For individuals and families making a residential purchase, we know how to make the entire experience as stress-free as possible.

The attorneys at the Law Offices of Georgette Miller & Associates, P.C. are focused on a commitment to our clients. Whether it is through a visit to our Lawnside, New Jersey office or any other office in New York or Pennsylvania our clients will find professionalism and a commitment to providing the best possible legal services. Please contact us to schedule an evaluation of your legal needs in the New Jersey area. To schedule an appointment, call us at 1-866-96-GMLAW (866) 964-6529.

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