NJ Bankruptcy Law Firms

66 East Main Street, 3rd Floor
Little Falls, NJ 07424

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

– With 30 Years Of Proven Results! –

  “I Personally Meet with You and Represent You!”

  “I have never Lost a Chapter 7 Bankruptcy Case”

  “Experience = Results”

  “Call for Free In-Person Bankruptcy Consultation”

Chapter 7 Bankruptcy

For:     Individuals & Businesses


  • Wage Garnishments
  • Bank Account Levies
  • Lawsuits
  • Harassing Phone Calls
  • Creditor Letters
  • Evictions
  • IRS Collection Actions


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

Chapter 13 Bankruptcy

For:   Individuals Only

  • Reorganize past-due Mortgage & Car payments
  • Save your House & Car
  • Stop Foreclosures
  • Stop Sheriff’s Sale
  • Stop Property Tax Sales
  • Establish an Affordable Repayment Plan for your Debts
  • Retain your Assets
  • Pay Back What You Can Afford


STOPS all that a Chapter 7 Bankruptcy Does

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

Chapter 11 Bankruptcy

For:    Individuals & Businesses

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

Get Rid of Debts 
Keep Business Running
Keep Your Assets

Chapter 11 Subchapter V

For:   Businesses with less debt or Individuals exceeding Chapter 13 Debt Limits 

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

 Get Rid of Debts 
Keep Business Running
Keep Your Assets

NJ Bankruptcy Law Firm:

Ralph A. Ferro Jr., Esq. Law Offices

As a smaller bankruptcy law firm, we provide you with the results, commitment, and expertise you deserve.

  • Read more to see why we can be your best choice when you need financial advice.

Proven Bankruptcy 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.
  • 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.
  • Releasing 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 debtor’s petition and plan which exceeded debt limits; protected creditor’s claims.
  • Successfully defended an alleged fraudulent transfer of property.
  • Expunged creditors’ late filed proof of claims on behalf of debtors.
  • Obtained non-dischargeable judgment on behalf of creditor against 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.
  • 100% focus on bankruptcy law allows me to provide clients with the expert 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.   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 by 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 getting back to my clients quickly.
  • Clients are never frustrated by not being able to reach me, because my clients are my priority – I provide my cell phone.
  • Call/text me @ (201) 446-5904 or email me ([email protected]), 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 talking with you and meeting with you to discuss your particular 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. Law Offices.  njbankruptcylawfirms.com

NJ Bankruptcy News and Resources

Chapter 7 Bankruptcy

Chapter 11 Bankruptcy

Chapter 11 Subchap. V

Chapter 13 Bankruptcy

Ralph A. Ferro Law Office Building Picture