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

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

Chapter 13 Reorganization to Keep Home

filing Chapter 13 bankruptcy to Keep your Home

Written and Verified by Ralph A. Ferro, Jr., Esq.

  • 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.


  • 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.