When you are in tens of thousands of dollars in debt, you may not feel as if you have a way out; however, bankruptcy may be an option for erasing that debt. The economy of the last decade has left many people struggling with credit card bills, medical expenses and personal loans that they cannot pay. After spending years worrying about how to pay these unsecured debts, many people have realized filing bankruptcy is an affordable option for dealing with debt problems. In most cases, people who file bankruptcy are able to keep their assets while getting a fresh start to recover after a financial crisis.
Bankruptcy in New Jersey
Bankruptcy provides relief for families and individuals struggling to pay mountains of debt while putting food on the table and a roof over their head. When you have unpaid bills, it is difficult to concentrate on anything other than how to pay those bills. The stress and anxiety begin to take a toll on your health and your family. However, one you make the decision to file bankruptcy, that stress and anxiety begins to fade as you see the light at the end of the tunnel.
The first step you need to take in order to file bankruptcy is to schedule a free consultation with my office. While the Bankruptcy Code permits individuals to file bankruptcy without an attorney, that is a dangerous and often disastrous decision. Bankruptcy law is complex. Simply reading a few article online about how to file bankruptcy does not give you the information and knowledge you need in order to erase your debts while protecting your assets. In most bankruptcy cases filed in New Jersey, the debtors are able to keep all of their assets while discharging most, if not all, of their debts when they are represented by an experienced bankruptcy attorney.
Likewise, hiring an attorney without bankruptcy experience can be as disastrous as trying to file bankruptcy on your own. You would not let your mechanic perform surgery on your leg; therefore, why would you want a personal injury attorney preparing your bankruptcy petition?
People File Bankruptcy to Get a Fresh Start
Bankruptcy has become more common as people throughout the United States struggle with debt they cannot pay. Congress enacted laws so that the bankruptcy process could provide much needed relief to people as they work to rebuild their lives after a financial crisis. It could be an extended period of unemployment, the loss of a spouse, a medical emergency or simply a failure to manage your money wisely. Whatever the reason for your financial problems, you can file bankruptcy and regain control over your finances again for a brighter future.
Contact an Experienced Mount Holly Bankruptcy Attorney
Personal Approach, Professional Service, Affordable Payment Plans
The Law Office of Travis J. Richards, LLC is a full-service Mount Holly bankruptcy law firm focused on Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, debt consolidation, credit repair, tax liens, student loans and foreclosure. We represent clients in Burlington County and throughout South Jersey.
Contact our office at 609-267-5297 to schedule your free consultation to discuss bankruptcy and non-bankruptcy alternatives. You may also use our convenient online contact form and one of our friendly, professional staff members will contact you to answer your bankruptcy questions and/or schedule a free consultation with Travis J. Richards.
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