West Caldwell Bankruptcy Lawyers
Tough financial problems call for serious debt relief solutions. If you are tired of trying to keep up with mounting personal or business debt, bankruptcy may be right for you. At the West Caldwell law offices of Minion & Sherman, we can help you resolve financial struggles through Chapter 7 or Chapter 13 personal bankruptcy. We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code.
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Bankruptcy is not right for everyone, but it may provide you with options you did not know were possible. At Minion & Sherman, we know how hard it can be to struggle with debt and the difficult decisions that follow. That is why we offer free initial consultations for clients considering bankruptcy. It doesn't cost you anything to come in and speak directly with an attorney who will help you understand if bankruptcy is the right approach to get the debt relief you deserve. We can also explain your rights and options and offer experienced clarification regarding common bankruptcy myths.
We will help you identify what type of debt you have, what assets you have and what solutions may be appropriate for you. Based on your current situation and long-term financial goals, we will help you decide if Chapter 7 or Chapter 13 consumer bankruptcy may be right for you:
- Chapter 7 Bankruptcy: This may allow for a complete forgiveness of your eligible debt, and if you qualify for Chapter 7 bankruptcy, you could be debt-free in months. Chapter 7 is commonly known as a liquidation plan.
- Chapter 13 Bankruptcy: Stop foreclosure and save your home by filing for bankruptcy under Chapter 13 of the Bankruptcy Code. If you have a mortgage and other assets you want to protect, Chapter 13 bankruptcy will allow you to maintain your assets by paying off your debt at a rate you can afford. Chapter 13 is commonly known as a reorganization of your debt or a “wage-earner” plan.
Filing for consumer bankruptcy effectively stops all creditor activity against you, including wage garnishments and creditor harassment. Our experienced bankruptcy lawyers can explain the many benefits bankruptcy can offer that other debt relief solutions cannot offer and help you determine if bankruptcy is appropriate based upon your situation.
The 2005 changes to the federal bankruptcy law established a requirement for all consumers filing for bankruptcy to complete a credit counseling and financial management course. We can offer resources for you to complete these requirements in the West Caldwell area.
Chapter 11 Bankruptcy: While our bankruptcy practices focus on consumer bankruptcy, we are available to advise clients seeking business bankruptcy solutions. If you have a business and you need debt relief, it may be possible to reorganize your business to consolidate debt and recover from insolvency. Typically, you can even continue business operations as usual while the court approves a plan for reorganization.
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Whether you have medical bills you are unable to pay, credit card debt, or are facing mortgage foreclosure, hiring an experienced bankruptcy lawyer is an important step in reducing your debt or obtaining a fresh start. At Minion & Sherman, we offer free initial consultations and night/weekend appointments, so you can know what to expect from our firm during the bankruptcy process. Contact us today to find out how we can help. We represent clients throughout Essex County, Passaic County, and Morris County.
