WE ARE HERE TO HELP YOU
New Jersey Bankruptcy Lawyer
If debt is making it difficult to keep up with bills, protect your home, or deal with creditor pressure, bankruptcy may give you a path forward. Straffi & Straffi Attorneys at Law helps individuals and families throughout Ocean County, Monmouth County, and nearby New Jersey communities understand their options under Chapter 7, Chapter 13, emergency bankruptcy, and bankruptcy discharge. Our team can review your situation, explain what may apply to you, and help you take the next step with more clarity and confidence.
Chapter 13 bankruptcy may be an option if you have regular income and need time to catch up on debt while keeping important property, such as your home or vehicle. This process allows eligible filers to reorganize debt into a structured repayment plan instead of liquidating assets.
Chapter 7 bankruptcy may help eliminate many unsecured debts, including credit card debt, medical bills, and personal loans. Straffi & Straffi can help determine whether you qualify, what property may be protected, and what to expect before filing.
Many Chapter 7 cases are considered no-asset cases, meaning there may be no non-exempt property available for the trustee to sell. If you are worried about losing your belongings, our team can review your assets, exemptions, and filing options.
If you are facing foreclosure, wage garnishment, repossession, or aggressive collection activity, an emergency bankruptcy filing may provide immediate legal protection through the automatic stay. Straffi & Straffi can help you act quickly when time matters.
A bankruptcy discharge is the court order that eliminates your legal responsibility for certain debts. Our attorneys can explain which debts may be discharged, what debts may remain, and how the process differs between Chapter 7 and Chapter 13.
To learn more about how we can help you, call us today at (732) 341-3800 to schedule a free consultation.
Contact Us
