- Debtor filed Chapter 13 Bankruptcy pro se.
- First Chapter 13 case was dismissed
- Debtor hired a lawyer unfamiliar with Chapter 13 bankruptcy law
- Sheriff’s sale was scheduled. (see basics of a sheriff sale https://www.bcsd.us/sheriff-sales .
- Lawyer filed 2nd Chapter 13 case for Debtor.
- 2nd Bankruptcy filed within 12 months of dismissal of the prior case.
- Lawyer dropped the ball.
- He did not file an application to the Court within 30 days of the filing of 2nd Bankruptcy.
- The automatic stay expired 3 days after filing of 2nd Bankruptcy case.
Outcome:
- Filing of the 2nd bankruptcy had no value to Debtor.
- Sheriff’s sale proceeds.
- Debtor loses their home because their lawyer dropped the ball.
Law has many facets and specialties. You should hire a Board-Certified Bankruptcy Lawyer for bankruptcy matters. The range of issues in law are far reaching. I specialize in one field: Bankruptcy.
Chapter 7, Chapter 11 and Chapter 13 Bankruptcy Law is my key focus. I have been a bankruptcy lawyer for over 30 years.
I provide my clients with solid legal knowledge and experience in NJ Bankruptcy.
If you are considering filing a bankruptcy and want to keep your home, I am here to help you. Call me for a free consult: Ralph A. Ferro, Jr., Esq. (201) 446-5904.
