ARE YOU LOSING SLEEP DUE TO OVERWHELMING DEBT?
We protect your rights.
Don't trust your financial future to just anyone!
RELIEF From Creditors STOP Foreclosure and Save Your Home
We Have Provided Our Clients Cost Effective Bankruptcy Solutions For Over Two Decades.
When you're filing for bankruptcy, it is critical to understand your legal rights. Bankruptcy laws protect consumers from financial ruin and the potential to be abused by creditors. By allowing consumers to have their qualifying debts eliminated, bankruptcy offers all Americans a second chance at controlling their debt.
As a skilled Hackettstown New Jersey Bankruptcy Attorney, I have helped hundreds of clients throughout New Jersey reorganize and eliminate debt, saving homes, cars and wages from overly aggressive creditors. I am highly qualified and have the know-how to navigate the complex new bankruptcy laws.
I can advise you of all your legal options and help you decide if bankruptcy is the best choice for you. I provide solid legal guidance in the following areas:
- New Bankruptcy Laws
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Chapter 11 Bankruptcy
- Real Estate
- Credit Counseling
- Debt Consolidation
- Adversary Proceedings
Bankruptcy law is a unique type of law based on forgiveness rather than punishment. As of October 17, 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act took effect, enforcing tougher restrictions on consumers trying to file under Chapter 7 bankruptcy. As a respected Hackettstown New Jersey Bankruptcy Attorney, I have the necessary expertise to determine the qualifications you must meet in order to file for bankruptcy.
New Chapter 7 & 13 Mortgage/Loan Modification Program
If you are behind on your mortgage payment I would urge you to contact Attorney Joan Lavery Sirkis to discuss your options regarding the new Chapter 7 & 13 bankruptcy loan modification program. This is a new program The United States Bankruptcy Court District of New Jersey has initiated.
The Mortgage Modification Mediation Program is a new program designed to help qualified Chapter 7 and Chapter 13 debtors keep their homes by modifying their mortgage to an affordable payment. To qualify for this program you must have steady income. The bankruptcy court and your bankruptcy lawyer will work to set up an informal meeting between the borrower and mortgage lender to help get you caught up on your mortgage payment. The mediator cannot force a lender to modify a mortgage, but can help the debtor and the lender reach an agreement. This program is a way for the borrower and the lender to discuss whether modifying the mortgage is possible. The goal is to encourage the borrower and the lender to agree to a permanent mortgage modification which ultimately may help you get caught up on your mortgage payments.
This program is different from others because it has the weight of the Bankruptcy Court behind it to encourage mortgage lenders to cooperate with their borrowers to achieve a mortgage modification that is acceptable to all parties involved. The brand new program for those who need immediate help to save their homes.
Call Joan Sirkis Lavery today at 866-615-3475, or complete the contact form provided on this site to schedule your initial consultation.