New Jersey Debt Relief Lawyers
You don't have to put up with creditor harassment. If you have been enduring wage garnishments, bank levies, harassing creditor calls, demanding collection letters or other attempts to collect overdue debt, it is important to understand that you have rights and options to stop creditor harassment. Talk to the experienced bankruptcy attorneys at Minion & Sherman to learn how we can help.
Responsive, Family-Oriented Legal Counsel
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We Offer Night and Weekend Appointments
Most people who find themselves in financial turmoil are honest, hardworking people. A single event, such as a divorce or job loss causes financial upset. One late payment turns into two. Before long, debt engulfs you. Creditors call demanding payment. It is not your intention to fall behind on bills and repayment. However, overwhelming debt can make it difficult to manage any aspect of your finances.
Although bankruptcy is not the appropriate answer for everyone, bankruptcy may provide the debt relief you need. Additionally, once you file for bankruptcy, the court orders an automatic stay that brings all creditor activity to a temporary halt during bankruptcy proceedings. An automatic bankruptcy stay can:
- Stop harassing phone calls from creditors
- Stop repossession of your vehicle or other personal property
- Stop foreclosure proceedings from moving forward
- Stop bank levies on your accounts
- Stop wage garnishments attached to your paycheck
- Stop any pending litigation from moving forward until the close of your bankruptcy case
Additionally, once you file for bankruptcy, you can direct any creditors that contact you to your attorney. Any further contact could result in sanctions against the creditor for violating the Fair Debt Collection Practices Act (FDCPA).
At Minion & Sherman, we can help you stop creditor harassment and address your other financial burdens through a bankruptcy filing under Chapter 7 or Chapter 13 of the Bankruptcy Code. We understand the difficult decisions you are struggling with. We can carefully examine your situation and advise you of the most appropriate debt relief solution based upon your needs and goals.
Contact Us
We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code. We are available for a free initial consultation to discuss your situation and how we can help. Contact us, in West Caldwell, New Jersey to schedule an appointment. We offer evening and weekend appointments to clients throughout Essex County, Passaic County, and Morris County.
