Choosing An Attorney

Don’t Go Alone to Bankruptcy Court – Hire a Bankruptcy Professional

Do not go aloneApril 5, 2016

The bankruptcy Court has very specific deadlines and rules regarding filing and responses.

Case Issues:

  • Debtor filed for Chapter 13 relief on July 6, 2015.
  • Case was dismissed on October 20, 2015 for failure to file required schedules or Plan.
  • Debtor refiled his Chapter 13 again.
  • Two creditors filed motions with the Court requiring the Debtor/his legal counsel to respond and the Court to confirm that the automatic stays had terminated.
  • Debtor did not file a response but appeared in Court for the hearing. Advised the Court that he did not know why his attorney just did not show up or file a response.
  • Court adjourned the case.
  • Debtor’s attorney failed to attend the hearing again.

Continue reading…

Don’t File the Wrong Bankruptcy – You May Not Get a 2nd Chance

November 18, 2015

It is critical that an Attorney looks at all your assets and your entire financial situation before he/she recommends whether you should file a Chapter 7 or a Chapter 13 Bankruptcy.    An experienhome falling in cracksced bankruptcy attorney will ask to meet with you and review your situation before giving any recommendations.  In addition, an attorney will have a clear understanding of your goals. Continue reading…

Wage Garnishments – Due Back to Debtors

April 15, 2015

There are many instances where deadlines are set but they are not strictly enforced.  That is nDeadlineot the case in Bankruptcy.

Wage Garnishments:    If you wages are garnished 90 days prior or on the 90th day of your bankruptcy filing date, these funds are may be due back to the Debtor.   However, the key is the actual date of the transfer.    One court held that the date of the Writ of Garnishment is the key date.    A judgment creditor obtains a prior right which cannot be defeated except by failing to obtain his/her judgment. Continue reading…

American Board of Certification – Awards Ralph A. Ferro, Jr., – Certification in Consumer Bankruptcy Law


April 2, 2015 — The American Board of Certification announced that Ralph A. Ferro, Jr., attorney in Little Falls, New Jersey has successfully completed the requirements for national certification in Consumer Bankruptcy Law.

To become certified, Mr. Ferro satisfied the following requirements:

+   full time practice of law for at least five years;

+   good standing in the bars of all states in which where a license to practice Jaw  is held;

+   devoted at least 30% of practice time and at least 400 hours to bankruptcy related matters in the last three years;

+   documented  involvement  in consumer  bankruptcy  by providing  information  on cases practiced;

+   demonstrated  commitment  to continuing  legal education  by earning  at  least 60 hours of bankruptcy education in the past three years.

+   passed an extensive, day-long written examination covering consumer bankruptcy issues.

The American Board of Certification (ABC) is a non-profit organization dedicated to serving the public and improving the quality of the bankruptcy bar. The rigorous ABC certification  standards  are designed  to encourage  bankruptcy  practitioners  to strive toward excellence and to recognize those attorneys who are experts in the bankruptcy field.   The ABC offers separate certification programs in business and consumer bankruptcy and creditors’  rights. All three ABC certification programs are accredited by the American Bar Association.  For a complete listing of certified attorneys, see our web page at:

Even Congress  has recognized  the value  of certification  by adding  it to  the  list of Section 330 compensation factors in the new bankruptcy Jaw. Legislators and courts recognize that the successful operation of the bankruptcy system depends upon the involvement  of  professionals  with  special  expertise.  This  new  law  recognizes  that Board certification provides a simple, meaningful, and objective measure of skill and expertise in the bankruptcy field.

The ABC is co-sponsored by The American Bankruptcy Institute and the Commercial Law  League  of  America.    The  ABC  Board  of  Directors  consists  of  many  of  the nation’s   finest  bankruptcy  and  creditors’   rights  lawyers,  former  judges,  and  Jaw professors. # # #

Press Release: Ralph A. Ferro, Jr., Esq. – NJ Bankruptcy Attorney Achieved Board Certification in Consumer Bankruptcy from the American Board of Certification

April 3, 2015ABCLOGODownload

Ralph A. Ferro, Jr., Esq. of Little Falls, New Jersey, has achieved the distinguished Board Certification from the American Board of Certification in the area of Consumer Bankruptcy Law.

In the entire State of New Jersey, there are only 7 other attorneys that have achieved this highly regarded certification.

The American Board of Certification’s (ABC) programs are designed to identify and recognize those attorneys in bankruptcy that have met or exceeded rigorous certification standards relating to experience, continuing legal education, integrity, and peer review; in addition to demonstrating a sophisticated understanding of the law in their specialty area.

Mr. Ferro successfully completed a comprehensive day-long written examination in the specialized area of bankruptcy law.  In order to qualify for the examination, Mr. Ferro demonstrated significant experience in the field of Consumer Bankruptcy law including, but not limited to, Motions, Adversary Proceedings, and Contested Matters in the U.S. Bankruptcy Court for New Jersey.

Obtaining this certification distinguishes Ralph A. Ferro, Jr., Esq. from other attorneys in the area of Consumer Bankruptcy and provides further assurance to clients of his legal skills, professionalism and legal ethics.

Honest is the only policy in Bankruptcy – Half Truth is a Whole Lie

Half truthJuly 13, 2014

Recently Bankruptcy Court ruled that a debtor could not pursue a personal injury claim when she failed to disclose that in her bankruptcy petition.

While in a Chapter 13 bankruptcy, a debtor got fired from her job at the hospital.   The hospital failed to provide adequate accommodations due to her disability. Continue reading…

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