File Chapter 13 Reorganization Bankruptcy to Keep Your Home
- Filing Chapter 13 bankruptcy can benefit a debtor; however, a Bankruptcy Lawyer is key to achieving your goals.
- Filing Chapter 13 bankruptcy requires specific requirements and deadlines.
- A Debtor can keep their home or car (and assets such as retirement) in a Chapter 13 reorganization.
- An expert lawyer in Bankruptcy law knows the bankruptcy process, bankruptcy code, and court rules.
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.
I will achieve your goals for you. If you want to keep your home or your car, that is how I can help you.
No one has ever lost their home or car under my watch. I closely monitor your case from start to finish. I will stop a Foreclosure. I will stop a vehicle repossession
I will advise you if you should file Chapter 13 reorganization or another Chapter of Bankruptcy.
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.
My key focus is bankruptcy law, and I have been a bankruptcy lawyer for over 30 years, practicing in Chapter 7, Chapter 11, and Chapter 13.
I provide my clients with solid legal knowledge and experience in NJ Bankruptcy.
Filing Chapter 13 - Without An Attorney - Bad Result
Filing Chapter 13 - With an Attorney who is not Experienced in Bankruptcy Law
RESULTS
Background/Facts
Outcome
- The debtor filed Chapter 13 Bankruptcy pro se.
- The first Chapter 13 case was dismissed
- The debtor hired a lawyer unfamiliar with Chapter 13 bankruptcy law
- Sheriff’s sale was scheduled. (see basics of a sheriff sale as an example)
- Lawyer filed 2nd Chapter 13 case for Debtor.
- 2nd bankruptcy was filed within 12 months of dismissal of the prior case.
- The lawyer dropped the ball.
- He did not apply to the Court within 30 days of the filing of the 2nd Bankruptcy.
- The automatic stay expired 3 days after filing the 2nd Bankruptcy case.
- Filing of the 2nd bankruptcy had no value to Debtor.
- Sheriff’s sale proceeds.
- Debtor loses their home because their lawyer dropped the ball.
- The Debtor should not have tried to go it alone without an attorney.
- The Debtor should have hired a Board-Certified Bankruptcy Lawyer.
Bankruptcy is a specialized field that requires a lawyer who specializes in bankruptcy law.
STOP A SHERIFF'S SALE - CALL ME - FOR AN EMERGENCY FILING
I can Stop a Sheriff’s Sale or Tax Sale – Immediately – even the day of the scheduled saler.
Board Certification in Bankruptcy Law is Important
I am Board Certified by the American Board of Certification since 2015 and I have specialized in Bankruptcy Law for over 30 years.
My entire practice is focused on NJ Bankruptcy Law.
Experience = Results
For example in over 30 years, I have never lost a Chapter 7 Bankruptcy. I will not advise you to file any bankruptcy if that is not a good fit for you and your specific financial situation and goals.
- You can reach me on my cell phone at (201) 446-5904.
- Your calls are not screened.
- You can reach me directly.
Please read my client reviews:
I hope I have the opportunity to meet with you if you need expert advice on the benefits of filing for Bankruptcy

