Hamilton, NJ Bankruptcy Lawyer

Most people have the wrong idea about what bankruptcy really is.  When a person files for bankruptcy, it does not mean that he or she will lose their possessions, forfeit future loan eligibility, or permanently ruin their credit. On the contrary, consumer bankruptcy is actually an excellent way to begin strengthening and repairing your financial affairs.

Bankruptcy has the power to protect your possessions, erase your debts, and help you get a fresh start on a stable and independent future free from collection notices and creditor harassment.  Many individuals who have a bankruptcy in their past are able to purchase cars or homes in the future after rebuilding good credit.  If debt and creditors are invading your life with stress and anxiety, you may be a perfect candidate for the many benefits consumer bankruptcy has to offer.

Why Should You File Bankruptcy?

We understand that people who are considering bankruptcy are often hesitant to hire a lawyer. Our attorneys are sensitive to our bankruptcy clients’ financial concerns, and we always offer affordable representation with flexible and accommodating payment options.  But why should you hire a bankruptcy lawyer in the first place?

To begin with, the United States Bankruptcy Courts recommend explicitly against filing without an attorney (known as filing pro se).  While filing for bankruptcy without a lawyer is perfectly legal, pro se filers almost always struggle to navigate the notoriously technical and jargon-packed U.S. Bankruptcy Code — in addition to the New Jersey bankruptcy regulations, and the regulations enforced by his or her particular court.  To quote the U.S. Bankruptcy Courts:

“Pro se litigants… are expected to follow the rules that govern procedures in the federal courts. Pro se litigants should be familiar with the United States Bankruptcy Code, the Federal Rules of Bankruptcy Procedure, and the local rules of the court in which the case is filed.  […] It is very important that a bankruptcy case be filed and handled correctly.  The rules are very technical, and a misstep may affect a debtor’s rights.  […]  Bankruptcy has long-term financial and legal consequences — hiring a competent attorney is strongly recommended.”

At Young, Marr, Mallis & Associates, we are dedicated bankruptcy attorneys with over 20 years of experience. We are here to answer all of your bankruptcy questions, and will help:

• Evaluate the different types of consumer bankruptcy.
• Protect your assets and possessions.
• Ensure your creditors respect your legal rights as a debtor.
• Maximize your financial benefits.
• Assemble, prepare, and file your paperwork.
• Negotiate with your creditors to structure a repayment plan.

To speak confidentially with a Hamilton, New Jersey bankruptcy lawyer, call us today at (609) 755-3115 in New Jersey or (215) 701-6519 in Pennsylvania.

Erase Your Debts with Bankruptcy

Bankruptcy is more common than you may think.  According to the U.S. Bankruptcy Court for the District of New Jersey, in 2013 Mercer County reported:

• 754 Chapter 7 bankruptcies
• 352 Chapter 13 bankruptcies

Together, that’s nearly 100 consumer bankruptcies every month in Mercer County alone.
Bankruptcy’s popularity stems largely from one major benefit: sweeping freedom from debt.  In many cases, consumer bankruptcy is able to discharge (eliminate) most major classes of debt, including but not limited to:

• Medical Debt
• Credit Card Debt
• Utility Service Debt
• Overdue Rent Payments
• Personal Loan Debt
• Social Security Overpayments

But debt elimination isn’t the only benefit of filing for bankruptcy.  In addition to debt discharge, bankruptcy petitioners also enjoy the advantages of an injunction called the automatic stay — which come into effect immediately.  The automatic stay halts and prohibits:

• Wage Garnishment
• Creditor Contact
• Collection Actions

The automatic stay has the power to postpone utility service shut-offs from nonpayment, repossessions of vehicles, and even foreclosure on your home.
For over a century, bankruptcy has helped countless Americans erase outstanding debt, banish aggressive creditors, and begin repairing their credit.  Debt doesn’t have to control your life any longer — take back control with bankruptcy today.

Our Hamilton, NJ Bankruptcy Lawyers Can Help

To arrange for your free and confidential case evaluation with a bankruptcy lawyer from Young, Marr, Mallis & Associates, or if you simply have questions about bankruptcy, call (609) 755-3115 in New Jersey or (215) 701-6519 in Pennsylvania, or contact us online.