NJ Bankruptcy Law Firms

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

Bloomfield NJ Bankruptcy Law Firm

New Jersey 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"
About Ralph A. Ferro Bankruptcy Lawyer
Bloomfield Bankruptcy

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

Bloomfield NJ Bankruptcy Law Firm

Bloomfield NJ Bankruptcy Law Firm

Are you having financial difficulties and want to find a nearby?

Bloomfield NJ Bankruptcy Law Firm

  • Ralph A. Ferro, Jr., Esq. Law Office is Conveniently located in nearby Little Falls, NJ,
  • Bloomfield is only approximately 7 miles and 10 minutes from my office in Little Falls, NJ
  • I am here to provide you with a free in-person bankruptcy zero-obligations consultation.
  • I hope I have the opportunity to meet with you.
  • Please see my client reviews.

Are you struggling to meet?

            Monthly expenses.    Little, if any, discretionary money is left in your budget.

            Mortgage payments.   Falling behind with payments or knowing it will be impossible to make full payments moving forward. 

            Medical Bills.   Out of pocket medical costs are preventing you from meeting your basic monthly expenses.

            Credit Card Payments.   Making the monthly minimum payments but the balances are sky-rocketing.

            Business Expenses.   Want to keep your business operating while you get your business expenses to be manageable.

            Car Payments.   Leased car is worth less than the balance of payments.

            Foreclosure:   The bank is attempting to take your home.

            Tax Sale:    If you are behind in your property taxes, the Township can sell your tax debt.   In addition, your house can be sold by the person who bought your delinquent taxes in a tax sale.

Foreclosure on Your Home?

Property Tax Sale?

If you are scheduled for a Foreclosure or Tax Sale, don’t wait;

Call me immediately at (201) 446-5904.     

  • Although it is not the best way to stop your foreclosure or tax sale, I can stop the sale immediately. 
  • That means hours before the sale.   
  • I am not recommending waiting until the last minute, but I want you to know the sales can be stopped.

Filing for Bankruptcy is a frightening proposition. However, by learning the ins and outs of this financial tool, you will see it as a strategic tool for financial freedom.   At our law firm, we work hard to help you navigate the complicated bankruptcy world for clients in Bloomfield, NJ.

Filing for Bankruptcy in Bloomfield, NJ: A New Beginning

Contrary to common opinion, filing for bankruptcy is not the end of the world. It is a fresh start, a way out of severe debt. When handled well by a lawyer specializing in bankruptcy (Board Certified Bankruptcy Lawyer), it is a legal process that will assist individuals and organizations in eliminating or repaying some of their obligations while being protected by the federal bankruptcy court.

Understanding Your Options in Chapter 7 vs. Chapter 13

Individual bankruptcy falls into two main categories: Chapter 7 and Chapter 13.

Sometimes known as “liquidation bankruptcy,” it allows debtors to erase unsecured obligations while keeping significant assets.

On the other hand, Chapter 13 is a reconstruction bankruptcy designed for debtors with regular income who can repay a portion of their obligations through a repayment plan.

Choosing the appropriate chapter is determined by financial condition, goals, debt, and income characteristics.

A Path to Financial Stability After Filing Bankruptcy

Your financial path does not have to finish with bankruptcy.   If you take the appropriate actions, you may restore your credit and emerge from bankruptcy with a brighter, more stable financial future.

Several tactics, ranging from budgeting to credit management, might assist you in regaining financial stability. With careful planning, bankruptcy can be a stepping stone to a financially secure future.

To summarize:

  • Filing for Bankruptcy is a feasible alternative for individuals or corporations in debt.
  • You can turn this difficult situation into a fresh financial start by:
    • learning its processes,
    • dealing with an experienced attorney and
    • planning for life after bankruptcy.

Remember that bankruptcy is not about failure but finding a method to overcome financial difficulties.

You should feel confident in the bankruptcy lawyer you choose.   Not only should the bankruptcy lawyer have bankruptcy expertise, but also should be a good fit for your specific needs and style.     

At Ralph A. Ferro, Jr., Esq. Law Firm, we offer a free bankruptcy consultation.   

See why choosing a smaller bankruptcy law office provides essential benefits to you.

Read my client reviews and hope you contact us to make an appointment to meet in person. 

 

Is Filing for Bankruptcy Right for You?

Call me today and let me help you determine the best option for your financial future and get rid of your debts.

I will meet with you personally – Ralph A. Ferro, Jr., Esq.

  • I realize that the decision to file bankruptcy is an important decision.   The decision to file bankruptcy should not be made without consultation with an experienced Bloomfield, NJ bankruptcy lawyer.

It is almost impossible to undo if you decide to file bankruptcy when it is not in your best interest.   For that reason, you need a Board-Certified Bankruptcy Lawyer, a bankruptcy law firm that serves the County of Hackensack, and a law firm that devotes 100% of its law practice to NJ bankruptcy law to:

    • advise you,
    • guide you, 
    • help you through the process so that you are sure you understand bankruptcy and how it will affect you.   
 Contact me today, and I will meet with you personally.
 
Ralph A. Ferro, Jr., Esq.  (201) 446-5904

 

 I always meet with my clients personally. In this way, you can be sure that you have hired the best bankruptcy attorney for your specific needs.

                  • You are never rushed through an appointment with me.   
                  • I do not keep my clients waiting.   
                  • We meet promptly at the time set for your consultation. – I know your time is valuable.
Ralph A. Ferro Law Office Bankruptcy Attorney
bankruptcy lawyer board certified
(201) 446-5904