Bankruptcy

New Jersey Bankruptcy Lawyers

If it is impossible to pay your monthly bills and you are harassed by collections agencies, bankruptcy might be your answer for debt relief and a fresh financial start.

At the law firm of Purrazzella & Purrazzella, we offer a free initial consultation to help you decide if bankruptcy is the best way to resolve your debt problems and:

• Save your family home from foreclosure
• Eliminate or reduce unsecured debt such as credit card debt
• Stop repossessions of cars
• Stop wage garnishments
• Stop creditor harassment
• Stop bank levies
• Stop collections lawsuits

Types of Bankruptcy

The two most common types of personal bankruptcy are Chapter 7 and Chapter 13. Chapter 7 bankruptcy - also known as straight bankruptcy - is the simplest way to erase debt through sale of assets to pay off some of the debt and discharge the rest. Chapter 13 bankruptcy helps wage earners set up a debt repayment plan. Chapter 13 may be right for debtors who do not qualify for Chapter 7 bankruptcy, or for those who have assets that would not be protected by filing for Chapter 7 bankruptcy.

At Purrazzella & Purrazzella, our attorneys have extensive experience in helping individuals file for Chapter 7 and Chapter 13 bankruptcy. Our goal is to help you decide if bankruptcy is right for you and then guide you through the form of bankruptcy protection that is best for your financial situation.

A Note about Changes in Bankruptcy Law

You may have heard that changes in bankruptcy law make it impossible for even honest debtors to qualify for bankruptcy. This is untrue. While the new bankruptcy laws make it more difficult to qualify, bankruptcy is still a viable and useful way to get out from under crushing credit card debt, huge medical bills, or other overwhelming debt.

If you have tried and failed to pay your monthly bills or mortgage and have no where else to turn, we can help. We can help you save your home from foreclosure, discharge credit card debt, stop creditor harassment, and get a fresh start.

Contact the bankruptcy lawyers at Purrazzella & Purrazzella today to arrange a consultation. We are located on the corner of Hooper and Franklin Avenues in Toms River, New Jersey.

Do you have questions about filing for bankruptcy? See our Bankruptcy FAQ.

The New Jersey bankruptcy lawyers at Purrazzella & Purrazzella in Toms River serve clients in Ocean County and Monmouth County, including Brick, Berkeley, Bayville, Jackson, Lakewood, Manasquan, Point Pleasant, Brielle, Forked River, Asbury Park, Lacey, Manahawkin, Howell, Barnegat, and Manchester.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.