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Bergen County Bankruptcy Lawyer

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Financial Problems Can Happen to Anyone: Serving Bergen, Passaic and Hudson Counties

Due to the current economic situation, more and more people are struggling to pay their bills and mortgages on time. You are not the only one under financial pressure or facing foreclosure or repossession. You do not have to feel alone or embarrassed.

Regardless of why you are under financial stress, help is available. Our Oradell bankruptcy lawyer at the Law Offices of Susan S. Long can explain your options for handling excessive credit card debt, medical bills, foreclosure prevention, or filing for bankruptcy. Our goal is to help you get back on your feet.

If you are considering filing for bankruptcy, contact our Bergen County law office today. We are always there to answer questions and provide support, whenever or wherever you need it.

How Bankruptcy Can Help Your Particular Situation

There are many issues that can lead people to consider filing for bankruptcy, including:

  • Unemployment/job loss or reduction in hours: If you lost your job or your hours were reduced at work, credit cards and other debts that were previously manageable may now be impossible to pay in full or on time. Filing for Chapter 7 bankruptcy or Chapter 13 can help you by allowing you to discharge debt that you will not be able to repay, including excessive credit card debt.
  • Medical bills: A car accident, injury, illness or disability can lead to huge medical bills. Even with insurance, you can end up owing far more than you can ever repay. Bankruptcy can discharge medical debt allowing you to concentrate on caring for yourself or family.
  • Divorce: This is not only an emotional strain but a financial one as well. With divorce, there may be no longer two people making money together. If your income has been slashed in half, although you may try to adjust it just might not be enough. No matter how hard you may try to adjust to this, it might not be enough. Filing for bankruptcy can help. Furthermore, if you are considering filing for divorce, it is sometimes suggested you file for bankruptcy first. That way you do not end up paying for more debt than you actually owe.
  • Home foreclosure: Record numbers of homeowners are facing home foreclosure due to job loss, higher interest rates on an adjustable-rate mortgage, or a balloon payment coming due. Both Chapter 7 and Chapter 13 bankruptcy will temporarily stop a foreclosure proceeding, giving you time to come up with a plan. Filing for Chapter 7, may discharge your debts and therefore free up money to pay your mortgage. With a Chapter 13 you can reduce your overall debts, use the repayment plan to become current on any late mortgage payments, and possibly even strip a second mortgage from your property. There are several options and strategies concerning mortgages.

Keep in mind that filing for bankruptcy puts a stop to collections harassment, harassing phone calls and attempts to collect debt.

Contact The Law Offices of Susan S. Long

Financial problems can happen to anyone. Consider bankruptcy. Contact our bankruptcy law office online or call 201-749-5418 for a free consultation with our New Jersey bankruptcy lawyer. Evening and weekend hours are available by appointment.