Choosing An Attorney

Attorneys Pass Along Client Work to Someone Else

February 14, 2014Shame on You

As I have pointed out before, I never send someone to stand in on any of my bankruptcy cases nor do I ever pass on your file to someone else to complete.   When you hire me, I meet with you, work through your case, attend all hearings/court proceedings and follow the case to completion.   It is important that I know your case in detail when working with you.

In a recent case (Bankr. E.D. Va. January 14, 2014),  it came to the attention of the Court that the attorney or whoever they had completing the Bankruptcy petition did not render good legal services to their client. Continue reading…

Consumer Debt vs Non-Consumer Debt (Chapter 7)

Bankruptcies –Consumer Debt vs Non-Consumer Debt (Chapter 7)

January 20, 2014

There is still the belief among many that the 2005 amendments to the Bankruptcy Code make it more difficult for consumers to file for Chapter 7 bankruptcy protection.

It is important to note that the majority of the 2005 amendments apply to consumer debtors and consumer debt.   The majority of the amendments do not apply to individuals with primarily non-consumer debt. Continue reading…

Timing of Filing Your Chapter 7 Petition

January 16, 2014 

The timing of filing your petition for a Chapter 7 Bankruptcy for Consumer debts is very important.   Sometimes the difference of one day could disqualify you from meeting the means test eligibility.Timing

When you file for Chapter 7 Bankruptcy, there is a six (6) month look-back period from the specific date you file for bankruptcy when your household income must be disclosed. Continue reading…

Creditor’s Debt for Injuries Survives Bankruptcy of Gang Member

December 27, 2013

Capture Gang.PNG

(2013) Successful Case Declaring Debt Owed to Victim related to Malicious Injury by Gang Member to be Non-Dischargeable.      Bankruptcy Code 11 U.S.C. 523 (a)(6).

In addition to representing debtors for Bankruptcy, I represent clients to pursue their claims as a creditor in Bankruptcy Court.

One such case, my client at age 16 was a victim in a gang attack which resulted in him being left with permanent brain damage.   He can no longer walk and is wheelchair bound for the remainder of his life with ongoing seizures. Continue reading…

Happy Holidays and a Happy New Year

December 22, 2013

To My Clients:

At this time of year, I wish all of my clients and their families a happy, healthy and joyous holiday season with thoughts of a prosperous New Year. I am pleased to have been of service to you all.

Warm Regards,

Ralph A. Ferro, Jr., wreath.jpg

Hiring & Obtaining the Right Match between Client and Attorney & any Professional

November 29, 2013

Hiring and Obtaining the Right Match between Client and Attorney & Any Professional.

Recently a client came to me to recover the damages and original money spent with a roofing contractor in New Jersey.    The advertising that was on the contractor’s website, if true, would have been a perfect fit.   However, after spending over $30,000 with the contractor and her roof was still leaking, my client discovered that the following statements were false and misleading:

BBB accredited – Actually the company had an “F” rating.

100% Satisfaction Guaranteed – Well that was untrue too – after three years of my client calling them and them promising to fix the leaks, they told her to sue them and they would not be back. Continue reading…

What You Should Look For When Hiring a Bankruptcy Attorney?

November 26, 2013

I would suggest when interviewing a NJ bankruptcy attorney   for representation, you assure yourself that this attorney is:

Compassionate: This is a life changing event and explaining the situation to a professional who cares is important to reduce your concerns in a truthful, clear and concerned manner. You want to be able to be open and honest with your attorney without being judged and most of all be given an opportunity to explain how this situation occurred in your life.

Expert in Bankruptcy:  Ask your attorney how many bankruptcy cases, he/she has handled? What is their success rate in approved bankruptcy petitions -Chapter 7, Chapter 11 and Chapter 13?

Is your attorney Board Certified? Continue reading…

New Jersey Bankruptcy Attorney Ralph A. Ferro, Jr. Warns of Cut-Rate Bankruptcy Advice

New Jersey Bankruptcy Attorney Ralph A. Ferro, Jr. Warns of Cut-Rate Bankruptcy Advice

November 25, 2013

New Jersey Bankruptcy attorney, Ralph A. Ferro, Jr., warns consumer to beware of cut-rate bankruptcy advice.

These tough financial times have forced many individuals to elect to file for bankruptcy more than ever before.  This need has also caused the emergence of many so called “debt relief agencies/bankruptcy advice companies”.  These companies prey upon the financial and personal vulnerability of financially distressed consumers and often make promises that cannot be kept.   Consumers are advised of delay tactics which only postpone the inevitable with no permanent fix.

These agencies usually require fairly large fees paid in advance and do not deliver.  The consumer ends up spending quite a bit of money and their debt situation has, in fact, gotten worse.

On another side, there are attorneys who charge what appears to be a very low fee compared to the customary rate.  They have no intention of spending a lot of time on your case or with you.    Calls are not returned, your case is handled by an associate or paralegal and there may be a different attorney that appears with you in court.

Remember the old clichés:   You get what you pay for   or  “ the bitter taste of poor quality lingers far longer than the  initial sweetness of a cheap price ”.  

Clients usually make an appointment with a bankruptcy attorney when they have tried all ways to meet their debts and feel completely discouraged; their lives are spiraling out of control.   Clients need and deserve personalized attention to get a fresh start and move forward.

About Bankruptcy Attorney New Jersey: Ralph A. Ferro, Jr. handles his clients’ cases personally from start to finish with a 100% success rate on all filed bankruptcy petitions.  Located in Little Falls, NJ, Mr. Ferro is a Passaic County Bankruptcy Lawyer and offers legal counsel to the entire state of New Jersey including but not limited to Bankruptcy Law, Chapter 7 Bankruptcy and Chapter 13 Bankruptcy.  Ralph A. Ferro, Jr. has over 20 years of Bankruptcy Law experience.    Most of all, Ralph A. Ferro, Jr., truly cares about his clients listening to each unique situation which led to their financial situations.

Ralph A. Ferro, Jr., Esq. – Law Offices

66 East Main Street, 3rd Floor

Little Falls, NJ  07424          Direct Line:  (201) 446-5904

Stand-In Attorneys Don’t Hold Water in Some Courts and Certainly Not in My Practice.

I never send someone to stand in on any of my bankruptcy cases.   You hire me, I meet with you, work through your case, attend all hearings/court proceedings and follow the case to completion.

In a recent opinion by Judge Jeff Bohn (Consumer Bankruptcy News – Volume 23, Issue 19) he stated:

“The use of appearance attorneys deprives clients….Such a practice is insulting to the client, the Court, and the principles upon which the judicial system is built.   Attorneys are not fungible.  Attorneys are not all equal to each other, either in their courtroom abilities, their understanding of the law, or in their communicative skills.

Clients choose a firm and an attorney for a reason, and clients have a right to be represented by the attorney of their choice during all portions of their case.

The justification for certain consumer bankruptcy attorneys that their business model will not work unless they are allowed to use appearance attorneys HOLDS NO WATER with this Court.   If a firm’s business model conflicts with the professional standards of the legal profession, the former must give way to the latter,” the court said.

I agree fully.  Be sure to ask when you interview or have your first meeting with an attorney, who will be handling my case?

  • An assistant,
  • Another attorney
  • Appearance attorney???

Compassion is a Key Component When Hiring a Bankruptcy Attorney

November 20, 2013

Having a degree in Psychology helps me understand my clients.    As an attorney in private practice, I am always dealing in some way with people, their personalities, emotions and how they are feeling at the time.

I believe it is very important to show compassion and caring for your clients. It is important to listen carefully and understand their needs and most importantly where they are in the process of their financial situation. Not only am I talking about their debts, but also how are they accepting and understanding the process.

Continue reading…

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