Urgent Bankruptcy Relief Backed by 40 Years' Experience
We handle Chapter 7, Chapter 11, and Chapter 13 bankruptcy filings, as well as family law and divorce matters.
Straffi & Straffi, Attorneys at Law, help families and businesses across Central New Jersey get a fresh financial start. Led by the father-and-son team of Daniel Straffi, Sr. and Daniel Straffi, Jr., our bankruptcy law firm combines more than 40 years of legal experience with the personal, compassionate service you deserve when facing debt, foreclosure, or financial hardship.
Filing for bankruptcy can stop wage garnishments, lift bank levies, pause foreclosure and repossession proceedings, and put an end to collection calls. Straffi & Straffi helps you regain control of your finances and rebuild. Over our four decades serving Monmouth County and Ocean County clients, we’ve helped thousands of clients navigate New Jersey bankruptcy law and secure their financial future. In addition to bankruptcy representation, our legal team can help you with loan modifications, debt negotiation and restructuring, as well as adversary and trustee litigation.
Explore your full range of bankruptcy filing options with Straffi & Straffi:
Chapter 13 Bankruptcy
Chapter 13 is a reorganization plan for individuals that allows you to keep your property while repaying creditors over a three- to five-year, court-approved plan. It’s commonly used to catch up on a mortgage or car loan and stop foreclosure or repossession.
Chapter 7 Bankruptcy
Chapter 7, or liquidation bankruptcy, allows you to discharge most unsecured debts, such as credit card balances and medical bills, by selling off non-exempt assets through a court-appointed trustee. Many filers can keep exempt property while wiping out qualifying debt and starting fresh.
Chapter 11 Bankruptcy
Chapter 11 is a reorganization option most often used by businesses, and sometimes higher-debt individuals who want to restructure their obligations while continuing to operate. It allows a debtor to propose a repayment plan to creditors rather than liquidating assets outright.
Foreclosure Defense
If you’re behind on your mortgage and facing foreclosure, time matters. Our attorneys can help you understand your options, from negotiating with your lender to filing for bankruptcy protection, to delaying or stopping a sheriff’s sale and exploring paths to keeping your home.
Daniel Straffi, Jr. has represented individuals and businesses throughout Central and Southern New Jersey since 2004. He is admitted to practice in New Jersey and Pennsylvania, as well as the District Court of New Jersey. Mr. Straffi is an active member of the NJ and Ocean County Bar Associations, where he serves as Co-Chair of the Bankruptcy Panel, and works as a certified mediator and early settlement panelist in Ocean County.
Clients consistently describe Mr. Straffi as patient, knowledgeable, and genuinely invested in guiding them through some of the most difficult moments of their lives, from complex bankruptcy filings to high-conflict divorce proceedings.
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We’ll review your personal or business finances, explain your legal protections, and determine the most advantageous bankruptcy chapter for your specific situation.
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Your legal team gathers the required financial documentation, prepares the complex petition, and files it with the court. This immediately triggers an “automatic stay,” legally halting creditor harassment, collections, and foreclosures.
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After filing, we’ll prepare you for and represent you at this mandatory hearing, where a bankruptcy trustee will review your petition and ask questions under oath.
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Case Administration and Court Approval
Depending on your chapter, your attorney will either protect your property during the liquidation of non-exempt assets (Chapter 7) or advocate for the judge’s approval of your proposed debt reorganization or repayment plan (Chapters 11, 12, and 13).
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Final Discharge and Resolution
Once all chapter-specific legal requirements are met, whether shortly after the trustee’s review or upon the successful completion of a court-approved payment plan, the court issues a final order formally discharging your eligible debts.
For four decades, Straffi & Straffi Attorneys at Law has helped New Jersey families navigate the complexities of bankruptcy law. Our firm provides the compassionate, focused legal representation needed to protect your property and put an end to creditor harassment.
Take the first step towards debt relief and financial recovery. Schedule your free consultation with Straffi & Straffi, Attorneys at Law.
Straffi & Straffi Attorneys at Law | Bankruptcy Attorney and Divorce Lawyer
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Straffi & Straffi break down bankruptcy and family law topics in plain language, episode by episode.
A bankruptcy lawyer will ask for your Income Proof, Loan Documents, Income Tax Returns, Property Documents, Credit Card Statements, and Bank Statements to assess your case and provide a proper solution.
Chapter 7 (liquidation) discharges most unsecured debts by selling non-exempt assets, while Chapter 13 (reorganization) lets you keep your property and repay debts over a three-to-five-year plan. Chapter 13 is often used to stop foreclosure or repossession.
Court filing fees are $313 for Chapter 7, $383 for Chapter 13, and around $1,738 for Chapter 11. Attorney fees vary by case complexity, typically $1,000–$3,500 for Chapter 7 and $2,500–$6,000 for Chapter 13. We offer payment plans to help make filing affordable.
Yes. New Jersey requires a pre-filing credit counseling course (about $15, one hour) and, after filing, a debtor education course (about $15, two hours) before your debts can be discharged.
Yes. Filing triggers an automatic stay, which immediately halts most collection calls, lawsuits, wage garnishments, and bank levies while your case is pending.
It depends on which chapters you’ve filed previously and when. Generally, you must wait 8 years between Chapter 7 filings, and shorter waiting periods apply between other chapter combinations. An attorney can review your filing history and advise on eligibility.
Certain debts typically survive bankruptcy, including most student loans, recent tax debts, child support, alimony, and debts arising from fraud. An experienced attorney can tell you exactly how your specific debts will be treated.
