Filing for NJ bankruptcy is a step that you may be thinking
about to help with your current debts. In order to determine if bankruptcy is
in fact the best option for your case, it is crucial to review all outstanding
debts and monthly income. Bankruptcy can allow you to rise above an
overwhelming amount of debt and pave the way to a stronger financial future.

If you are not able to make payments because of a job loss or other unforeseen
circumstances, you may be able to make alternate arrangements with creditors..

Paying only your minimum monthly balance on high interest
credit cards is something that can be put to an end after declaring bankruptcy.
A common misconception in regards to resolving credit card debt has been
transferring balances to a card with a lower interest rate. While this option
consolidates your debt, the amount will remain the same.

Filing for bankruptcy is also a wise choice is you are no
longer able to keep up with a lease or finance car payment. This is a common
situation that can happen to an individual who once made higher wages at a
previous job and cannot continue making their required payments.

What Kind Of Bankruptcy Am I Eligible
For?

Ralph A. Ferro Jr. Esq. is an experienced
New Jersey Bankruptcy lawyer
 who treats all of his clients with
great care, guiding them through every step of the bankruptcy process. He
specializes in helping individuals and businesses who require relief from their
debt. With over 18+ years of practicing law and specializing in bankruptcy law,
Ferro can analyze your unique debt situation and find the best possible
solution for you!

Filing for Chapter 7 bankruptcy can allow you to gain approval to
no longer pay back your debts. This type of bankruptcy is considered for
individuals who are unlikely to be able to pay back their outstanding debts.
Most of our clients have had their debts either discharged or erased after
filing for bankruptcy. To see if you are eligible and get on the road to a
healthy financial future, contact Ralph Ferro, Jr., Esquire today!

Ralph A. Ferro, Jr., Esq. has a 100%
success rate with all Chapter 7 filed NJ Bankruptcy petitions.