Struggling with Debt?
Our New Jersey Bankruptcy Attorneys Help 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 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 as you make minimum monthly payments while continuing to charge on the account. Whatever the reason, struggling against debt can be a stressful experience. Overwhelming debt can make you feel helpless, but there are ways to combat it.
Both Chapter 7 bankruptcy and Chapter 13 bankruptcy may help you completely discharge most types of debt. Furthermore, filing bankruptcy can even put an end to harassing creditors. Filing Chapter 13 may stop a pending foreclosure of your home. It does so by allowing you 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? Consider Bankruptcy Alternatives
There are viable non-bankruptcy alternatives. These may include debt settlement, negotiating an IRS offer in compromise for back taxes owed or a mortgage modification. However, you will never know what you can realistically do until you talk to an experienced New Jersey bankruptcy attorney about your debt relief options. We can explore with you the pros and cons of bankruptcy or debt settlement. We can also discuss other options that can help you.
If you are facing overwhelming debt problems, then our Morris County bankruptcy lawyers understand your situation. We have helped thousands of New Jersey residents get their financial lives back on track. Our attorneys understand the impact a financial crisis can then have on you and your family. Because of this, we strive to make this experience as simple and as painless as possible.
Let Us Put Our Years of Bankruptcy Law Experience to Work for You
At Ast & Schmidt, P.C., we only handle debt relief cases. This means you get specialized, personalized help from an experienced legal team. We know the many different options to eliminate and/or resolve your debt. This includes both bankruptcy and non-bankruptcy alternatives.
Since we only deal with finding debt solutions, our attention is never split between divergent areas of law. Our mission is to help our New Jersey community overcome their debt struggles. We assist clients from Budd Lake to Montville as well as to 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
- Foreclosure Defense
- Mortgage Modification and Loan Workout
- Commercial Litigation
- Asset Protection
- Business Debt Solutions
- Back Taxes and Offers in Compromise
Our New Jersey 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.
Free Financial Review with a New Jersey Bankruptcy Attorney
If you are considering filing for bankruptcy, contact a New Jersey bankruptcy attorney at Ast & Schmidt, P.C.. Regardless of the circumstances you face, we will provide you with individualized attention. From there, we can explore options with you to get the right solution for you. Our attorneys offer flexible hours. We are conveniently located across the street from the Morris County Mall with off street parking. Please contact us online or call our office at (973) 984-1300 to schedule a free consultation today.