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

Choosing NJ Bankruptcy Lawyer

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

Choosing NJ Bankruptcy Lawyer

Choosing NJ Bankruptcy Lawyer, nj bankruptcy lawyer

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

Choosing NJ Bankruptcy Lawyer –



Look for an experienced, Board Certified  bankruptcy lawyer 

  • Avoid bankruptcy law firms that utilize Stand-in/Appearance lawyers.
  • Stand-in and/or Appearance Lawyers  do not hold water in some courts and certainly not in My Practice.

Whenever you are looking to hire a NJ bankruptcy lawyer (for filing Chapter 7, Chapter 11, Chapter 13 Bankruptcy), you deserve to know who you will be representing you.    Trusting your case to an experienced bankruptcy lawyer is important.   When you have taken the time to interview what you believe is the best bankruptcy lawyer, this lawyer should handle your case from start to finish.

  • An important question you should ask when you interview a bankruptcy lawyer:  Who will be my bankruptcy lawyer and will there be a stand-in lawyer throughout my case?

I never send a stand-in/appearance lawyer on any of my bankruptcy cases.

When you hire me, I:

  • meet with you for the initial meeting,
  • work with you throughout your case,
  • attend all hearings/court proceedings
  • follow the case to completion
  • answer all of your questions
  • return your calls personally
  • am reachable on my cell phone (201) 446-5904.

In an opinion by Judge Jeff Bohn, he stated:

“The use of appearance attorneys deprives clients….Such a practice is insulting to the client, the Court, and the principles upon which the judicial system is built.   Attorneys are not fungible.  Attorneys are not all equal to each other, either in their courtroom abilities, their understanding of the law, or in their communicative skills.”

This has been the opinion of many bankruptcy judges.

What is an appearance bankruptcy lawyer?

Appearance attorneys get their name because they ‘appear’ in court on behalf of the client’s primary attorney. Think of them as substitute legal representation when your lawyer does not attend a Court proceeding.

Is that what you want?   Someone who has not worked with you and is not totally familiar with your case?

Clients choose a firm and a lawyer for a reason.   Clients have a right to be represented by a lawyer of their choice during all portions of their case.

Chapter 13 Bankruptcy Petitions – New Format Client Chooses

In new Chapter 13 Bankruptcy cases, a client must be informed whether there will be substitute lawyers.    You can stipulate in the new Chapter 13 Petition form that you do not want a stand-in/appearance attorney.

However, certain consumer bankruptcy lawyers state that their business model will not work unless they are allowed to use appearance lawyers or stand-in lawyers.   That  HOLDS NO WATER with many courts and judges.   If a firm’s business model conflicts with the professional standards of the legal profession, the former must give way to the latter.

Key Question to Ask When Choosing a Bankruptcy Lawyer:

Who will be handling my case?

  • An assistant,
  • Another attorney,
  • Appearance/Bankruptcy Lawyer with no Stand-in lawyer,
  • A Board Certified Bankruptcy Lawyer??

When screening your bankruptcy lawyer, emphasize no stand-in lawyer in your case.

Here are some other tips when you are looking to hire a bankruptcy lawyer:

  • Experience: Look for an attorney who has experience in bankruptcy law. You can ask the lawyer how many bankruptcy cases they have filed and what their success rate is.
  • Demonstrated Successes:   I have a 100% success rate with all filed Chapter 7 bankruptcies since I began practicing approximately 30 years ago.
  • Board Certification in Bankruptcy Law: Bankruptcy is a very specialized field of law.    Besides myself, there is only one other Board Certified Bankruptcy Lawyer in northern NJ.
  • Reputation: Ask your friends, family, or colleagues for recommendations for bankruptcy lawyers. You can also read online reviews to get an idea of what other clients have said about a particular lawyer.
  • Client Reviews – Read the client reviews.
  • Communication: Choose a lawyer who is easy to communicate with. You should feel comfortable asking questions and getting clear answers.  I take the time to learn about each client’s goals and their specific financial situation.   You are never rushed through the initial free consultation with me.
  • Trust: Choose an attorney who you trust. This is an important decision, and you should feel confident that the lawyer you choose is working in your best interests.

When you find a lawyer who meets your criteria, schedule a consultation to meet and discuss your case. This will give you a chance to ask questions and determine the lawyer’s personality and style.

  • Call me today to schedule a free bankruptcy consult:   
  • I am Board Certified in NJ Consumer Bankruptcy Law.   
  • You hire me and I stay with you from start to finish.   

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

Choosing a NJ Bankruptcy Attorney

Is an important decision, a smaller bankruptcy law firm may be best to be sure you are important and your case will be handled by the NJ Bankruptcy Attorney you met with and hired.