66 East Main Street, 3rd Floor
Little Falls, NJ 07424
NJ Bankruptcy Law Office Logo (Transparent) dictating Ralph A. Ferro Jr., Esq's Law Practice

Ralph A. Ferro, Jr., Esq. Bankruptcy Lawyer

Board Certified in Consumer Bankruptcy

New Jersey Bankruptcy Lawyer!

With 29 Years Of Proven results!
"I personally meet with You and represent You!"
"I have never Lost a Chapter 7 Bankruptcy Case"
"Experience = Results"
NJ Bankruptcy Law Firm showcases Ralph A. Ferro Jr, Esq. a board certified bankruptcy attorney
American Board Certification in Chapter 7, Chapter 11, and Chapter 13 Bankruptcy, earned by Ralph A. Ferro JR., Esq, a bankruptcy attorney operating in New Jersey

Board Certified in Consumer Bankruptcy Law

Proven Results:
I have over 28 years of proven results representing both individuals and businesses in NJ Bankruptcy Law. I have worked on a multitude of cases ranging from Chapter 7 Bankruptcy Cases, Chapter 11 Bankruptcy Cases, Chapter 11 Subchapter V Cases, and Chapter 13 Bankruptcy Cases as well. I have a 100% success rate for all cases filed via Chapter 7 Bankruptcy.

Practice Focus:
My practice focuses entirely on bankruptcy. Bankruptcy is a very specialized field. 100% focus on this particular area of law allows me to provide clients with the best bankruptcy representation and attention to their needs.
I devote my practice to bankruptcy and continually keep current with the challenges of bankruptcy and diverse situations that arise.

Board Certification:
As part of my commitment to provide superior legal representation, I am Board Certified in Consumer Bankruptcy Law by the American Board of Certification. Board Certification assures you that I have passed rigorous testing and demonstrated my bankruptcy knowledge and case results to meet the requirements by the American Board of Certification. Only one other bankruptcy lawyer is Board Certified in Consumer Bankruptcy Law in Northern New Jersey.

Commitment to Clients:
Here at NJ Bankruptcy Law firm we understand that filing bankruptcy is both an emotional and a trying time for clients. I take the time to meet with clients, understand their goals and needs and provide recommendations. There are times when I inform clients that bankruptcy is not the correct option. My goal is to enable and support my clients to obtain financial success. From the time I meet with a client, I handle the case from start to finish. You are never passed on to an associate.

I handle all aspects of bankruptcy law: litigation, Chapter 7 Bankruptcy, Chapter 11 Bankruptcy, Chapter 11 Subchapter V Bankruptcy, Chapter 13 Bankruptcy, debtor/creditor rights, and mediation.

We, at NJ Bankruptcy Law firm take personal pride in our commitment to our clients; clients can reach me directly. I return all of my phone calls. I treat every case as my most important. I always make time to speak with my clients. Clients are never frustrated by not being able to reach me, because my clients are my priority.

Please do not take my word for it, read my clients’ reviews.

Contact Me for a Free Bankruptcy Consult: (201) 446-5904 & speak with me personally. I provide my cell phone number so you can reach me directly and quickly. I look forward to talking with you and meeting with you to discuss your particular financial situation and how I can best serve you.

Chapter 7 Bankruptcy


  • Wage Garnishments
  • Bank Account Levies
  • Lawsuits
  • Harassing Phone Calls
  • Creditor Letters

Keep Exempt Property
Get Rid of Debts
Pay Zero Back to Creditors

Chapter 11 Bankruptcy

  • Reorganize Debts
  • Stay Operational
  • Reject Unfavorable Executory Contracts and/or Leases
  • Strip Off/Down liens
  • Shed Debt & become more Profitable 

Get Rid of Debts 
Keep Business Running
Keep Your Assets

Chapter 11 Subchapter V

  • Reorganize Debts
  • Stay Operational
  • Reject Unfavorable Executory Contracts and/or Leases
  • Strip Off/Down liens
  • Shed Debt & become more Profitable 

Streamlined & Less Expensive than a traditional Chapter 11 Bankruptcy.

Get Rid of Debts
Keep Your Business Running
Keep Your Assets

Chapter 13 Bankruptcy

  • Reorganize past-due Mortgage & Car payments
  • Save your House & Car
  • Establish an Affordable Repayment Plan for your Debts

STOPS all that a Chapter 7 Bankruptcy Does

Payback ONLY what YOU can afford
YOU set your repayment terms – NOT your creditors

Chapter 7 Bankruptcy Blog
Chapter 11 Subchapter V Blog
Chapter 13 Bankruptcy Blog
NJ Bankruptcy Law Firm Logo showcasing 'The Law office of Ralph A. Ferro JR., Esq leading New Jersey Bankruptcy Attorney