My Style in Working with Clients:
- I take on the responsibility of clients’ bankruptcy so my clients can be calm from the time they file until the end of their
- When you go to a doctor, you do not need to know how he performs the surgery; you only need to know what will happen and what you can I do not want my clients to worry about the bankruptcy process; that is my responsibility.
- Your plan payments and eligibility are a function of what you own, earn, and owe.
- I care about my clients and aim to help them achieve their goals.
- I am accessible – clients have my cell phone.
- Clients have informed me their reservations about hiring attorneys is that once they sign up with the attorney, they are difficult to reach. – I am committed to my clients being able to reach me.
- My calls are not screened, you contact me directly.
Filing Chapter 13 Bankruptcy with the Wrong Attorney?
- I attended a Court hearing recently in another case where the Judge told the attorney that he did not understand the bankruptcy case. The judge told the lawyer that he needed to understand his client’s case rather than just provide a one-sentence submission related to a motion.
- When the Judge asked the attorney questions, it was obvious that the lawyer did not know the case and was not knowledgeable about
What You Can Expect When you File for a Chapter 13 Bankruptcy in NJ with Me:
Initial In-Person Free Bk Consultation
- I always require an in-person consultation with me.
- Get to know me.
- In-depth review of your Financial Situation
- Recommend if bankruptcy is right for you.
- Recommend the right bankruptcy for you.
- Go over in detail the process and the benefits and results that will be achieved.
- Answer any questions.
- I know my cases and am well prepared before, during, and after hearings for follow-up.
- Cases are not delayed.
- I work effectively and efficiently when you file for bankruptcy. I ensure that your case goes smoothly and there are no unnecessary delays.
Agreement:
- Client and I enter into a representation agreement.
- Decide we are a good fit to work together.
- We will be working together a significant amount of time in the beginning and then I am still your lead for the 36- or 60-month period of your Plan.
Preparation of the Bankruptcy Petition and Plan
- I do not require my client to fill out forms, prepare spreadsheets summarizing their expenses, etc.
- Sometimes, clients give me a bag of bills and leave them with me. This is not ideal for me, but I understand the emotions that prevent them from going through all their bills.
- Even going through their bills creates more stress. If I can help with that, I do whatever I can. You meet me, provide me with the information required, and I will do the rest.
- I prepare the draft petition, and we meet so you can review and approve it. It is important that my clients review their petitions. It is their bankruptcy, and they must be sure all the information is correct.
Bankruptcy Petition and Bankruptcy Plan are filed.
- Creditors can appear to ask questions. This is the only court hearing the clients must At this time, all 341a Meetings are held online.
- If my clients feel more comfortable coming to my office, I welcome them.
Bankruptcy Plan is approved.
- If I have done my job well, the Plan will not be delayed and will be
Creditors are Notified.
- Creditors have the opportunity to file a claim of their debt to you.
- I monitor each claim so that my clients have a clear summary at the end of the period when creditors can submit it.
- I also monitor the claims to be sure they are valid and properly classified.
NJ Chapter 13 Bankruptcy – Debtor Education Courses Required
- 2 required financial guidance courses, both online:
- one before the petition is filed and
- one before the end of the bankruptcy period (3 -5 years). I always recommend taking the second course when the plan is approved rather than waiting until the end.
- These courses are simple and easy to complete online
Ongoing Process During the Bankruptcy Plan
- There will be minimal communication or costs if my client pays their monthly plan payments in a timely manner.
- However, I closely monitor cases and work immediately to resolve any Motions or issues with the bankruptcy.
Chapter 13 Plan is Achieved.
- At the end of filing Chapter 13 Bankruptcy, your unsecured debts are
- Your mortgage is up-to date and
- You can keep your car if you want
- You pay your car payments outside the Plan and your mortgage payments.
- Your mortgage arrearages are paid through the plan, and you are current at the end of the bankruptcy.
What Happens After Filing Chapter 13 Bankruptcy in NJ?
- You are debt-free and have achieved a new beginning and new chapter in your life.
- Your life is better, and you are on your way to continued success.
The bankruptcy process is in-depth and has no one-size-fits-all- hiring the best attorney is what clients need to be sure of.
I hope I can provide my services to you. I am Board-Certified in Consumer Bankruptcy, and you can rely on my expertise to help you get debt-free.
What Happens When you File Chapter 13 Bankruptcy in NJ?
- Call me today on my cell phone (201) 446-5904
- Learn whether filing Chapter 13 BK is right for you
Learn more about me:
Filing Bankruptcy is a significant decision.
I go over filing bankruptcy with my clients before they decide on bankruptcy and accept my recommendations.
My clients need to understand the process. However, I am responsible for overseeing and completing the Chapter 13 Plan and process for them.
As you can see from my client reviews, I make the process easy for them. You work with me only and are never passed on to work with an associate or paralegal.
I look forward to meeting you and providing expert advice to achieve financial success. I care about my clients.
