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What to Expect During the New Jersey Bankruptcy Process

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What to Expect During the New Jersey Bankruptcy Process


If you are considering filing for bankruptcy in New Jersey, you may feel overwhelmed. The bankruptcy process can be intense at times, and it does involve a lot of paperwork and hearings. Thinking about the process can create a kind of “stress paralysis” in which a person becomes stressed into inaction. While filing for bankruptcy is a big step, hiring skilled bankruptcy lawyers can make the process much easier for you and your family. Understanding an overview of the bankruptcy process can also help you feel more at ease.

Step 1: Speak to a Skilled Lawyer

At Georgette Miller & Associates, our law firm focuses on helping people like you through the process of bankruptcy. Contact our bankruptcy law firm today to learn how we can help you. Every financial situation is unique. There is no single solution that will work for every single New Jersey resident. Our lawyers investigate each clients’ financial situation to create a unique solution. We can help you decide whether bankruptcy is the best option for you.

If bankruptcy is the best option, we can help you decide whether or not to take New Jersey or federal property exemptions. Our lawyers can also help you determine whether you meet the bankruptcy means test requirement before you file a petition. Getting your paperwork organized is an important part of preparing to file for bankruptcy.

Step 2: Filing Your Bankruptcy Petition

After investigating your financial situation and gathering necessary documents, we will help you file your bankruptcy petition. Our lawyers will review all of your documents and determine whether you qualify to file for Chapter 7 bankruptcy, or you will need to file for Chapter 13 bankruptcy. If you do qualify for Chapter 7 bankruptcy, we will put together a petition that lists all of your assets and debts. We will file your petition with the federal bankruptcy court in New Jersey.

Step 3: Take Credit Counseling and Going to Bankruptcy Court

You will need to finish a Credit Counseling Course as part of a Chapter 7 bankruptcy in New Jersey. The course must be taught by a certified instructor and can be taken on the phone, online, or in person. After filing your petition, you will need to go to your bankruptcy hearing. You will also need to take a financial management course. Around 30 days after you file for bankruptcy, you will need to attend a 341 meeting, also called a creditor’s meeting. The meeting usually only takes around 15 minutes.

Our Bankruptcy Lawyers can Help

At Georgette Miller & Associates, our lawyers have helped thousands of clients through the New Jersey bankruptcy process. When you hire our legal team, you can rest assured that we will take charge of your bankruptcy case and represent your best interests throughout the entire process. Our goal is to help New Jersey residents get out of debt and start a new financial journey. Call 1-866-964-6529 and start your path to financial freedom.