Insurmountable debt often results from circumstances beyond an individual's control, yet creditors keep calling and bills continue to arrive in the mail. The pressure may seem unrelenting, but there are solutions.
The experienced bankruptcy lawyers at Lofaro & Headley, LLC, in Hoboken, New Jersey, help individuals, couples and businesses assess their situation and determine the best means of resolving their financial woes. When you select us to represent you, you have direct access to our attorneys throughout the process. We answer every question and take the time to explain each step so you can be part of the decision-making process.
Chapter 7 bankruptcy provides the most straightforward and comprehensive relief to debtors. If you have limited assets and you are able to make good on any past due amounts you owe on your home or a car, then Chapter 7 bankruptcy may be the best solution for you. Our bankruptcy attorneys have more than 20 years of cumulative experience. They can review your situation and determine what resolution is right for you.
To be eligible for debt relief under Chapter 7, you must pass a "means test" required by the bankruptcy reforms of October 2005. We will help determine if you are eligible during an initial consultation.
Instant Relief From Our Jersey City Debt Relief Lawyers
We can enforce an immediate automatic stay on your assets, enforceable through the Federal Bankruptcy Court. The court filing can also protect you from creditor harassment and unfair debt collection under the Fair Debt Collection Practices Act (FDCPA).
If you qualify for Chapter 7, we can help you:
- Put an immediate stop to the foreclosure process
- Stop wage garnishment, bank levies, judgments against you, attachments, lawsuits and repossessions
- Eliminate unsecured debt, including credit card debt, personal loans, medical debt and other debt not attached to property, as well as some tax debt
- Enact property exemptions for things you depend on such as your home, car, pension, 401(k) and other assets
Our lawyers are devoted to helping people in debt trouble and people in danger of losing their homes find relief. We can help you avoid the long-term consequences of debt problems and help you gain financial freedom again.
Schedule A Free Consultation With The Same Lawyers Who Will Work On Your Case
We offer a free consultation in which our Hoboken Chapter 7 bankruptcy lawyers can answer your questions and assess your situation in order to recommend the best steps to take. Call 201-467-4020 or email us to schedule an appointment.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.