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

Best Bankruptcy Lawyer Near You

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

Best Bankruptcy Lawyer Near You

debtor rights bankruptcy lawyer

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

Choosing the Best Bankruptcy Lawyer Near You

Is an important and sometimes life-changing event.

You need to obtain expert bankruptcy advice to recommend which bankruptcy is best for your particular situation:

Here are some topics to consider when you are meeting with a bankruptcy lawyer:   


This is a life-changing event.   You need to explain your situation to a lawyer who cares.   The lawyer should display the ability to reduce your concerns in a truthful, clear and concerned manner.  You are to be open and honest with your bankruptcy lawyer without being judged.   You should be given an opportunity to explain how this situation occurred in your life and your future goals.

Bankruptcy Expertise:

Determine how many bankruptcy cases, the lawyer has handled.   The success rate is key in all chapters of bankruptcy cases (Chapter 7, Chapter 11 and/or Chapter 13).

Is the attorney Board Certified in Bankruptcy?    I am Board Certified in Consumer Bankruptcy Law by the (ABC) American Board of Certification.

Bankruptcy is a specialized area of law.   As a bankruptcy lawyer, I do not mix bankruptcy law with other fields of law in my practice cases.    Your lawyer should be a member of the Bankruptcy Associations.  In this way, you determine if the attorney is committed to the specialty of bankruptcy law.   Bankruptcy lawyers keep up to date on current laws by becoming and remaining Board Certified in bankruptcy law.

Personal Involvement in Your Bankruptcy Case:

Does the lawyer you are meeting with handle your case personally?

In other words, not just one who meets with you only on the first appointment.  After the first appointment, a lawyer should not pass your case to either a paralegal or associate to handle.   To assure continuity, one person should handle your bankruptcy case from start to finish.


Deadlines need to be met and various information needs to put together in your bankruptcy petition.   

You may have questions after hours or on weekends.   To facilitate your case, be sure you are able to reach your bankruptcy lawyer by email, phone and/or text after hours and on weekends.     Appointments need to be flexible around your schedule.   The lawyer should return your phone calls promptly.   Nothing is more frustrating than not getting a return phone call.  You do not need your lawyer to be a source of more stress for you.

Protection of Your Debtor Assets and Rights: 

The lawyer looks at your individual priorities and plans for the future.   

You need to decide about keeping your assets (e.g. home and/car).   

  • Your attorney should make this a priority in assuring that your home/car (assets) are not lost.   
  • No one has lost their home under my watch unless they no longer want to keep their home.

The best bankruptcy lawyer protects your rights.   

If you would like to keep your car(s), be sure the attorney discusses reaffirmation agreements with you so that your cars are not taken or repossessed.

Ralph A. Ferro, Jr., Esq.   (201) 446-5904

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Best Bankruptcy Lawyer Near You