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 7

New Jersey Bankruptcy Lawyer!

With 28 Years Of Proven results!
"I personally meet with You and represent You!"
"I have never Lost a Chapter 7 Bankruptcy Case"*
"Experience = Results"
NJ Bankruptcy Law Firm showcases Ralph A. Ferro Jr, Esq. a board certified bankruptcy attorney

Filing Chapter 7 Bankruptcy


  • Individuals
  • Corporations
  • Business Entities (Sole Proprietors/Partnerships)
Chapter 7 Bankruptcy Attorney Filling Bankruptcy

Chapter 7 Bankruptcy is a liquidation of a debtor’s non-exempt assets. Although it is called liquidation, many times there are no assets to liquidate and you obtain approval to no longer pay any of your debts.


  • High debt
  • Low possibility of being able to pay back your debts to creditors
  • No or little assets


  • When your Bankruptcy is completed, my clients have most of their debts erased or discharged and start over with a clean slate.

If eligible, a person or business has a great opportunity to eliminate debts (both consumer and non-consumer) and move forward in a relatively short period of time (approx. 3 months)

When we file your Chapter 7 Bankruptcy Petition, you are immediately protected so that no creditors may contact you

Keep in mind, there are some debts that are non-dischargeable, such as child support, alimony, Student loans and some tax debts.

I offer a free consultation. When I meet with you, I review your situation to determine if you qualify for a Chapter 7 and  whether filing a Chapter 7 Bankruptcy is in your best interests for your future success.

Call me now for a Free Consultation: Ralph A. Ferro Jr., Esq. (201) 446-5904

NJ Bankruptcy Law Firm
NJ Bankruptcy Law Firm
American Board Certification in Chapter 7, Chapter 11, and Chapter 13 Bankruptcy, earned by Ralph A. Ferro JR., Esq, a bankruptcy attorney operating in New Jersey
NJ Bankruptcy Law Firm Logo showcasing 'The Law office of Ralph A. Ferro JR., Esq leading New Jersey Bankruptcy Attorney