Struggling with Debt?
Our New Jersey Bankruptcy Attorney Team Can Help You Get Your Financial Life Back on Track
Debt has a way of seeming manageable right up until the day you realize you are facing more debt than you can possibly handle. Maybe you were managing to get by with your current debt burdens until a financial crisis, such as a job loss or unexpected medical bills. It can even be the high interest on credit cards that builds up over time into a huge credit bubble that keeps expanding as you make minimum monthly payments while continuing to charge on the account. Whatever the reason, struggling against debt can be a stressful experience and negatively impact upon your performance at work or even interfere with your marriage.
Overwhelming debt can make you feel helpless, but there are ways to combat it and gain control of your future. Both Chapter 7 and Chapter 13 bankruptcy may help you obtain a fresh financial start by completely discharging most types of debt. Filing bankruptcy can even put an end to harassing creditors. Filing Chapter 13 may stop a pending foreclosure of your home to resolve the mortgage arrears over a period of time, or it can allow you time to obtain a mortgage modification utilizing the Bankruptcy Court’s loss mitigation program.
Should I File Bankruptcy? Bankruptcy Alternatives
If you think that bankruptcy is not the answer, then debt settlement, negotiating an IRS offer in compromise for back taxes owed or a mortgage modification may be a viable non-bankruptcy alternative. However, you will never know what you can realistically do to get your debt back under control until you talk to an experienced New Jersey bankruptcy attorney about the debt relief options available for your financial situation. We can explore with you the pros and cons of bankruptcy or debt settlement, or whether other options exist that can help you get your financial life back under control.
If you are facing overwhelming debt problems, the Morris County bankruptcy lawyers at David Alan Ast, P.C. understand your situation. We have helped thousands of New Jersey residents in similar situations get their financial lives back on track. A financial crisis can happen to anyone. When it does, life can become frightening and complicated. Our attorneys understand the impact this can have on you and your family, which is why we strive to make this experience as simple and painless as possible.
Let Us Put Our Years of Bankruptcy Law Experience to Work for You
At David Alan Ast, P.C., we only handle debt relief cases. This means you get specialized, personalized help from an experienced legal team who knows about the many different options to eliminate and/or resolve your debt, including bankruptcy and non-bankruptcy alternatives.
Since we only deal with finding debt solutions, you know that our attention is never split between divergent areas of law. Our mission is to help our New Jersey community overcome their debt struggles. Our services extend from Budd Lake to Montville and all of Morris County, Sussex County, Union County, Essex County and Passaic County.
Our Morris County bankruptcy lawyers focus primarily on the following practice areas:
- Creditor Harassment
- New Jersey Tax Laws
- Bankruptcy Abuse Prevention & Consumer Protection Act of 2005 (BAPCPA)
- Chapter 7 Bankruptcy
- Chapter 11 Bankruptcy
- Chapter 13 Bankruptcy
- Debt Relief for High Income Earners
- Debt Negotiation and Settlement
- Bankruptcy Litigation
- Mortgage Modification and Loan Workout
- Commercial Litigation
- Asset Protection
- Business Debt Solutions
- Back Taxes and Offers in Compromise
Our NJ bankruptcy law firm offers solutions to a wide range of debtor/creditor-related problems. We emphasize personal attention and communication with our clients. We also offer efficient, cost-effective legal services and reasonable bankruptcy attorney fees to help ease your financial burdens.
Call Today or Submit an Online Form to Schedule a Free Financial Review
If you are considering filing for bankruptcy, contact a New Jersey bankruptcy attorney at David Alan Ast, P.C. to discuss your situation. Our attorneys offer flexible hours and our office is conveniently located across the street from the Morris County Mall with off street parking.
Regardless of the circumstances you face, we will provide you with individualized attention and will explore options with you to seek to obtain favorable solutions to meet your specific needs. Contact us online or call our office at (973) 984-1300 to schedule a free consultation today.