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

File Chapter 13 Reorganization to Keep Home

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

File Chapter 13 Reorganization to Keep Home

What happens after filing chapter 13 Bankruptcy in NJ
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Written and Verified by Ralph A. Ferro, Jr., Esq.

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.  

Do you want to keep your home?

Do you want to keep your vehicles?

Do you want to protect your assets?

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

Ralph Ferro File Chapter 13 Bankruptcy
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