Top Teaneck, NJ Chapter 13 Bankruptcy Lawyers Near You
Chapter 13 Bankruptcy Lawyers | Serving Bergen-Passaic Metro, NJ
Attorney David Finkler has been successfully representing clients in bankruptcy matters since 1990. Call today!
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600 Campus Drive, Florham Park, NJ 07932
Waterview Plaza, 2001 US Hwy 46, Parsippany, NJ 07054
40 West Ridgewood Avenue, Ridgewood, NJ 07450
One Riverfront Plaza, Suite 730, Newark, NJ 07102
206 Claremont Avenue, Montclair, NJ 07042
411 Hackensack Avenue, 10th Floor, Hackensack, NJ 07601
1107 Goffle Rd, Hawthorne, NJ 07507
1 Gateway Center, 25th Floor, Newark, NJ 07102
One Gateway Center, Suite 2600, Newark, NJ 07102
500 Campus Drive, Suite 400, Florham Park, NJ 07932
7 Giralda Farms, Suite 340, Madison, NJ 07940
830 Morris Turnpike, 4th Floor, Short Hills, NJ 07078
103 Eisenhower Parkway, Roseland, NJ 07068
1 University Plaza Dr, Suite 208, Hackensack, NJ 07601
PO Box 293, Mountain Lakes, NJ 07046-0293
27 Warren St, Suite 101, Hackensack, NJ 07601
376 South Ave E, Westfield, NJ 07090
374 Main, Hackensack, NJ 07601
405 Lafayette St, Newark, NJ 07105
67 E Park Place, Suite 900, Morristown, NJ 07960
750 Broad Street, Suite 3, Shrewsbury, NJ 07702
800 Kinderkamack Road, Suite 202N, Oradell, NJ 07649
184 Grand Ave, Englewood, NJ 07631
649 Newark Avenue, Jersey City, NJ 07306
4 Chatham Road, Summit, NJ 07901
Teaneck Chapter 13 Bankruptcy Information
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What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy reorganizes your debts with a repayment plan to help you get a new start. Chapter 13 is known as a “wage earner’s bankruptcy,” where you use your income and assets to make payments over three to five years under the payment plan. Chapter 13 filing puts a stop to collection actions, including foreclosure. After making the necessary payments, your dischargeable debts are cleared.
What Are Some Examples of Situations Where I Might Need a Chapter 13 Bankruptcy Lawyer?
Many people struggle to decide between filing a Chapter 13 or Chapter 7 bankruptcy filing. A Chapter 13 filing may be more beneficial for you if you:
- Are employed and earning money
- Own a home but are behind on mortgage payments
- Earn too much income to qualify for a Chapter 7 filing
- Want to hold onto more of your most valuable assets, like a business
How Can a Lawyer Help Me With Bankruptcy?
An experienced bankruptcy lawyer can give you the knowledge and backing you need to navigate the legal system and find the best possible results for you. Because laws regarding bankruptcy exemptions and the property you can keep vary from state to state, speaking with a lawyer near you with knowledge of Illinois’s laws is critical in understanding your situation and making the best decisions. A bankruptcy lawyer can help with:
- Legal advice and counsel
- Negotiating with creditors
- Filing legal motions and taking care of administrative duties
- Improving your chances of keeping your assets and getting everything settled favorably
What Could Happen if I Don’t Hire a Bankruptcy Lawyer?
Not hiring a bankruptcy lawyer can lead to costly errors and prolonged financial stress. If you don’t hire a bankruptcy lawyer, you might make mistakes in the bankruptcy process. These mistakes could lead to your case being dismissed. Without a lawyer’s guidance, you could miss out on important protections, such as stopping creditor harassment or preventing foreclosure. You might also choose the wrong type of bankruptcy, resulting in more financial trouble. Handling bankruptcy alone increases the risk of losing assets you could have kept and wanted to keep. Additionally, you may struggle to negotiate with creditors without a lawyer. This makes it harder to achieve a manageable debt repayment plan or discharge.
What Questions Should I Ask When Trying To Find a Bankruptcy Lawyer in Chicago?
These questions can help you decide if you feel confident that a lawyer has the qualifications, experience, and ability to manage your case well. Many lawyers offer free consultations that allow you to understand your options and get specific legal advice before hiring them. Top questions include:
- What is your experience in handling bankruptcy cases? Have you managed cases like mine? What was the outcome of these cases?
- Do you have experience resolving issues like this in Illinois?
- What is your approach to handling bankruptcy cases?
- What is your record in negotiating favorable debt repayment plans?
- How do you communicate with clients about the progress of their cases?
- How much input will I have about the case strategy?
- What are your fees and billing structure?
Tips for Hiring a Bankruptcy Lawyer
Finding a lawyer who is right for you and will represent your best interests is an important first step in protecting your rights. Find a lawyer who understands your case, knows your needs and goals, and has the experience to get the best outcome. Things to do:
- Ask for recommendations
- Research lawyers online
- Schedule consultations
- Review experience and expertise
- Talk about billing and fees
- Trust your instincts