Florham Park Chapter 7 and 13 Bankruptcy Lawyers
When you are seriously in debt, you know that every time the phone rings it might be a creditor or collections agency calling to harass you. You have probably done the math and you probably know how long you have to work to pay it all off. You may barely be keeping up with the interest.
With consumer bankruptcy, you can change that. At Levine & Levine, our Morris County bankruptcy lawyers are highly experienced with handling complex financial issues and arrangements. We are a debt relief organization that is prepared to help you reach a new start in your life. We handle both consumer bankruptcy and small-business bankruptcy with experience and care. To schedule a free consultation, call (973) 210-7050 or contact us online today.
Chapter 7 Bankruptcy: Consumer Debt Bankruptcy
With the economy and housing market acting as they are today, we have seen a steady rise in Chapter 7 bankruptcy. Although a Chapter 7 bankruptcy is sometimes referred to as a "liquidation" bankruptcy, qualified filers are entitled to retain exempt assets, discharge your debt, and get a fresh start. The vast majority of those who file for Chapter 7 bankruptcy free themselves from overwhelming debt while keeping their homes, cars, and other assets.
You will need to take debt counseling classes and attend creditors' meetings. Our attorneys will stay with you every step of the way until your debt is finally discharged. We will then counsel you on the proper ways to repair your credit.
Chapter 13 Bankruptcy: Debt Relief for Those With Larger Assets
Chapter 13 bankruptcy may enable you to keep your house and other very significant assets while still obtaining relief from creditors. A structured repayment plan of all or a portion of your debt will enable you to move forward without harassment from creditors and overwhelming bills.
Foreclosure Proceedings
Bankruptcy may be an option if your house is in foreclosure. However, there may be other options such as a short sale. We can help you negotiate with your lender to pursue the best possible result.
Wage Garnishment and Collections Defense
Are creditors harassing you? Are your wages being garnished? Don't let creditors abuse your rights. If your wages are being garnished or a collections agency has threatened to garnish them, we can fight for you.
At Levine & Levine, we provide compassionate, respectful, knowledgeable, and experienced legal representation. To schedule a free initial consultation to discuss bankruptcy, debt consolidation, and other debt relief options, call (973) 210-7050 or contact us online.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
