NJ Bankruptcy Law Firm

Proven Bankruptcy Lawyer Results:

Over 30 years of proven results representing both individuals and businesses in New Jersey Bankruptcy Law. I have worked on a multitude of bankruptcy cases, ranging from:

• Chapters 7, 11, 11 Subchapter V,  and 13 Bankruptcy Cases as Debtors’ counsel.
• Creditors’ counsel in claims litigation and adversary proceedings.
• Creditor’s counsel in preventing a debtor from filing Chapter 13 Bankruptcy to avoid a debt to my client
  • •    (reported case Case #20-18987 Chapter 13 – 2020 Bankr: LEXIS 3182 *; 2020 WL 6701335) 
• Representation of non-debtors in adversary proceedings.
• 100% success rate for all filed Chapter 7 Bankruptcy cases.
• Mediator for Adversary Proceedings with positive settlement results.
• Recouped Wage Garnishments.
• Release of Bank Levies.
• Stripping Off 2nd Mortgages
• Cramdowns of 1st Mortgages on Commercial Mortgages.
• Successfully objected to claims by the NJ Division of Taxation.
• Successfully defended businesses in  “clawback“/preference actions.
• Successfully litigated against creditors for violating the automatic stay.
• Successfully objected on behalf of a creditor to the debtor’s petition and plan, which exceeded debt limits; protected the creditor’s claims.
• Successfully defended an alleged fraudulent transfer of property.
• Expunged creditors’ late-filed proof of claims on behalf of debtors.
• Obtained a non-dischargeable judgment on behalf of the creditor against the debtor for consumer fraud.
• Objected to and reduced medical liens on personal injury proceeds for a debtor.

Practice Focus:

• My practice focuses entirely on bankruptcy. 
• Bankruptcy is a very specialized field.
• Focusing 100% on bankruptcy law enables me to deliver expert bankruptcy representation and personalized attention to my clients’ needs.

I devote my practice to bankruptcy and continually keep current with the challenges of bankruptcy and diverse situations that arise.   This is evident by virtue of my Board Certification status.

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 (ABC). 

Board Certification guarantees clients that I continually pass rigorous testing, demonstrated by my bankruptcy knowledge and case results, to meet the strict requirements of the ABC. Only one other bankruptcy lawyer is Board Certified in Consumer Bankruptcy Law in Northern New Jersey.

Commitment to Clients at NJ Bankruptcy Law Firms:

• Understand that filing bankruptcy is both an emotional and a trying time for clients.
• I take the time to personally meet with clients, understand their goals and needs, and provide recommendations.
• There are times when I advise 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.
• No stand-in attorneys.    I am completely familiar with your case at all stages of the bankruptcy proceedings.
• I am reachable before, during, and after you hire me. No one likes to feel like their case does not matter. You can always reach me by phone.   I commit to responding to my clients promptly.
• Clients are never frustrated by not being able to reach me, because my clients are my priority – I provide my cell phone.
• I am available 24/7 –  Here is a client review that demonstrates that I live up to my commitments:

  The best Bankruptcy Lawyer ever. Treats you like family, takes your calls anytime even late at night Mr Ralph A. Ferro. Will take your calls 24/7 trust me one of a kind. Guide you through every step Mr Ralph, you deserved more than a five star review. Thank you very much am very grateful.
  May God continue to bless you for me. Thank you and thank you again from the bottom of my heart.                                 S.B., Essex County, 4/24/2025

• Call/text me @ (201) 446-5904 or email me (ralphferrojr@msn.com), I will speak with you, and I return all of my calls/texts/emails. 

    (201) 446-5904 is my cell phone, so you can reach me directly and quickly.  

 Read my clients’ reviews.  My clients’ reviews demonstrate my commitment.

• I look forward to speaking with you and meeting to discuss your specific financial situation and how I can best serve you.
• Call me today for a free bankruptcy consultation.

        (201) 446-5904 – Ralph A. Ferro, Jr., Esq. New Jersey Bankruptcy Lawyer.  njbankruptcylawfirms.co