Lofaro & Headley, LLC


Divorce And Bankruptcy Attorneys Who Will Fight For Your Rights
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Chapter 7 Bankruptcy: What You Need To Know

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.

We Can Help With The Most Complex Cases

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 40 years of cumulative experience. They can review your situation and determine what resolution is right for you.

Instant Relief From Our 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 a 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 Today

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.