66 East Main Street, 3rd Floor Little Falls, NJ 07424

Chapter 7

27 Years Proven results in New Jersey Bankruptcy Law

"I have never Lost a Chapter 7 Bankruptcy Case"*
"I personally meet with you and represent you!" "Experience = Results"

Filing Chapter 7 Bankruptcy


  • Individuals
  • Corporations
  • Business Entities (Sole Proprietors/Partnerships)

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

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